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If you have decided that you want your tubes untied to either have another child or for relief of post tubal ligation syndrome, then funding for tubal reversal becomes one of your major considerations. With tubal reversals being in the thousands and tens of thousands of dollars, most women cannot afford to pay the costs out of pocket.

As most women will not have the full amount required for the surgery in their bank account, this means coming up with another way to get the money for the doctor’s fees, testing and whatever else is needed to carry out the procedure. Below we have included several different methods for finding the funding for tubal reversal.

Let’s start our list with a special savings account just for your tubal reversal. I think it best to set up a separate one from your existing one. And make a rule that they only time anything is withdrawn from this account is to pay the surgeon. Come up with ways to start putting money into this account. What are you paying for that is just an extra that you can give up? Do it and put that money into your savings account instead. Take a good hard look at how you spend your money and you could be surprised to find that you are able to add $50, $100 or even $200 to your special account each month. After all, what’s more important, getting that tubal reversal or going to Starbucks every day?

A variation or addition to the first method is to get a job. This could be a second job if you work now or a regular job if you don’t work now. Take as much of this as you possibly can and add it to your savings. If you are making ends meet now without it, then you should be able to put most of it away into your special fund.

If you use a top notch surgeon like Dr. Gary S. Berger of Chapel Hill Tubal Reversal Center, you will be able to create a payment plan with his office. This begins with an initial payment of $250 to open the account. After that, you send in payments of any amount you want or can as often as you would like. If you can, do it weekly. That gets the money out of your hands and into a special account where you can’t dip into it for the winter snow tires or whatever. Think of it as a special baby layaway plan.

One way to get a big chunk of money to add to your fund is to use your income tax refund. If you depend upon this alone, you could find it takes a few years to save up the money you need and things have a way of happening to make the money disappear. That’s where something like the payment plan mentioned last paragraph comes in handy. Send in the tax refund and it’s out of your hands and not so easy to spend.

Usually the first place you will look for funding for tubal reversal is your health insurance provider. However, most will not cover this type of elective procedure though some may cover some of the initial testing. I hate to say it, but it all depends. It will really take a call to your company to get the real scoop and even then two different people there may tell you two opposite answers. If you do get someone to tell you a tubal reversal is covered, then get it in writing. You don’t want to be surprised after the surgery and find you have to pay it all with no reimbursement.

As this is an elective procedure you probably won’t get insurance coverage for it. But there just might be a way around it. You could try having your primary care physician state in writing that you need to have your tubes repaired. This might work if your reason for a tubal ligation reversal is due to post tubal ligation syndrome and your doctor is willing to help you. Repair work on your tubes, rather than a tubal reversal, might just be the secret words. Then again, if your insurance has a cap on how much you have to pay toward your health expenses, it might pick up whatever amount over that cap the surgery puts you. These are by no means sure methods, but they just might work.

Lacking health insurance to pay for the tubal ligation reversal, you might be lucky enough to have a flexible spending account for health at your or your husband’s employment. Some of these will allow you to take out the full amount in advance. You’ll just have to see what the particulars are during your enrollment season. As the amount you pay into the flex spending account is pulled from the paycheck before you ever see it, you most likely won’t even notice it.

Yet one other source of funding for tubal reversal is your, or your husband’s, IRA or 401(k). Penalties will have to be paid for early withdrawal and you are robbing your retirement as well. But it is one more method that you can consider.

Lastly is using your credit card in some form. It could be that your doctor will accept your credit card. If he does not, then maybe you can get a cash advance to pay for the surgery. However, be very aware of the high interest rate you may have to make paying back this advance. Make very sure you pay higher than minimum monthly payments on your credit card or you will be paying a very long time for the surgery. It might also be possible to use your credit card to “purchase” a cashier’s check to pay for your tubal reversal.

I hope these ideas above will give you some food for thought to decide on your funding for tubal reversal. Discuss this with your husband or significant other to decide which will best fit your situation. Some are slow and some will get you there faster. Good luck.

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