Sterilization Reversal

Insurance Coverage And Financing Tubal Ligation Reversal

NOTE: The one thing most visitors to this site seem to be interested in is some way to finance a tubal ligation reversal or a vasectomy reversal. As you can read in the following article and elsewhere, one way to do this is by having an insurance provider provide you with appropriate health insurance .

You will find that your eligibility for coverage and the available policy types will vary depending upon the information you provide and possibly even where you live. You will need to have any questions answered directly by the health insurance carrier you choose. Using eHealthInsurance will allow you to request information on various insurance plans and carriers. You can even apply for health insurance plans on the site. Any questions you have should be discussed with the carrier during the approval process.

The variety of insurance carriers and policies available on eHealthInsurance should provide excellent potential to fulfill your search for the proper health insurance carrier. (End Note)

You've definitely decided that your are going ahead with your tubal reversal. Now you need to know how you are going to go about financing tubal ligation reversal. The answer is going to come down to, "Ask."

First what you will need to look at is if there is insurance coverage for tubal reversal with your insurance company. This may not be as easy as it seems at first thought. You may need to read your policy to look for exclusions. As many companies will consider this elective surgery since you chose to have your tubes tied in the first place, don't be surprised if this sterilization reversal is excluded.

But you may be lucky enough to have a company that will cover some of the testing or anesthesia or some other part of the operation. You will need to get the codes from your doctor and check with your insurance company. At this time, the insurance code (ICD-9) for bilateral tubal occlusion is 628.2. The procedure code (CPT) for tubotubal anastomosis is 58750. Verify these with your doctor.

One company that has covered some tubal reversals is Blue Cross/Blue Shield. If they will cover for you could depend on several things such as whether your procedure will be done in state or out and the legal requirements on insurance companies in your state (some require fertility procedures be covered - whether tubal reversals meet this is open to debate). Most likely the insurance company will not pay till after the reversal is done and it may require months of follow-up. Be prepared. And if the insurance company will pay for the surgery, the surgeon may require written statement from the insurance company stating so before the procedure is done.

If you do luck out with your insurance coverage for the tubal reversal, you may not luck out with your specialist. Some tubal revesal centers will help you with the insurance paperwork by filing for you. Some will not even accept the insurance. You will have to pay up front and do all the filing after the surgery hoping to collect and pay back what you have spent.

If insurance coverage is out of the question, you are left with using a payment plan if your surgeon allows such. This way you make payments till you have the total paid to them and then get to schedule the surgery. Also look into whether you or your husband has a flexible spending account plan at work that will allow you to pay with the funds in it.

Some tubal reversal centers and doctors will allow you to pay with a credit card or even several credit cards. Others will have nothing to do with credit cards. While cashier checks, bank to bank transfers, or money orders may be accepted you could find your center does not accept personal checks or even Western Union transfers.

Your last real choice for financial assistance for tubal revesal is getting a loan. You could start with trying for a personal loan from your personal local bank. If that doesn't work there are institutions that offer financial help for tubal reversal such as MediCredit, MedProva, Capital One Health Care Finance, Reliance Medical Finance, SurgeryLoans and CareCredit.

One last option available is if you are seeking a tubal ligation reversal for religious reasons. There are some charities that may finance the surgery under certain circumstances. One such reviewed required much input from your pastor and a waiting list. While on the waiting list you are required to assist them yourself every month.

By reading the above, you can understand why we said that financing tubal ligation revesal all comes down to "Ask." You will have to ask your insurance company, your tubal reversal center/doctor, your personal bank, and maybe even some loan institutions to find the financial assistance for a tubal reversal.

Copyright 2007, Sandra Wilson