Post Tubal Ligation Syndrome and Insurance

Will Health Insurance Companies Pay for Tubal Reversal Done for Tubal Ligation Side Effects?

Most women who undergo having their tubes tied have few if any side effects of tubal ligation to cope with. However in a small proportion of cases, Post Tubal Ligation Syndrome may be encountered. This is a hotly disputed area if you do suffer from the symptoms with many doctors refusing to accept the existence of PTLS at all. Here we will look at Post Tubal Ligation Syndrome and insurance companies view on the subject.

Tubal Ligation Side Effects

Some 14 tubal ligation side effects were well documented by Dr. Vicki Hufnagel in 1980 in her very comprehensive study of tubal ligation patients. Some of the effects are minor, both physically and psychologically, and may fade with time.

But unfortunately there are recorded cases of a much more serious nature. Violent mood swings, depression, hair loss and heavy bleeding represent real dangers and risks both to the patient and those around her.

How to Recover from Post Tubal Ligation Syndrome

In such serious cases, the only and best answer is tubal ligation reversal in the hopes of restoring the body’s balance. This is where things get a little tricky to say the least. Not with the procedure, which is highly successful and safe, but with financing this reversal operation. This is down to the fact that not every medical profession agrees with the studies that have been done so far.

Tubal Reversal and Health Insurance

A standard tubal reversal, not driven by a medical need, generally will not qualify under your insurance if done for non-medical conditions. It is classed as an elective procedure. Pretty much all private health insurance companies take this view.

Claims for a tubal reversal due to Post Tubal Ligation Syndrome and coverage from insurance can result in a different outcome. Where we are talking about pressing medical needs, or a recommendation by a doctor, we start to approach a borderline decision for these companies. But Post Tubal Ligation syndrome and insurance companies don’t always see eye to eye

In all likelihood, your health insurance company will want to see all of the medical files associated with your case. They may appoint their own experts to assess it and maybe even examine you themselves.

Problems PTLS Sufferers Face with Insurance

For PTLS sufferers this is where problems can start as it is not widely accepted or recognized in the medical profession. You may have a fight on your hands. It is best to accede to their demands in the first instance of letting them see your medical records especially if your doctor is on your side and has well documented your case until you know where you stand.

The key in all of this is to work closely with all of your health care professionals and speak to your insurance company as early as possible. By actually introducing this dialogue at a stage where they do not feel pressured by its urgency, you might actually get a few breaks.

If this still doesn’t work, there are some insurance companies, such as Looking for Anthem Blue Cross Health Insurance Plans? Visit Blue Cross Blue Shield (and you can get a free quote from eHealthInsurance), who will pay for reversal operations in certain locations under certain conditions. This will often pay for reversal to remedy the tubal ligation side effects and will benefit the suffering patients accordingly.

Get Part of Your Tubal Reversal Paid For

In any event even if your insurance company will not finance the whole procedure, you might be able to exploit a loophole to cover a portion of the surgery. This is likely to be the pre and post examinations/consultations, testing and some exploratory costs. So you could be looking at getting things like any initial consultations, blood tests and some parts of the operative costs like the anesthetist paid for.

What is the most important thing is to ensure that your Post Tubal Ligation Syndrome symptoms and the health insurance company are dealt with as swiftly as possible before your symptoms make your life unbearable if you should have the worst of the tubal ligation side effects.