Finding financial assistance for tubal reversal is the one of the first things you start looking for after making the decision that you want the surgery. It can be rather expensive and if you can get some help, that will make it more likely you can go through with what you want to do.
Finding some financial assistance will usually start with looking at your own health insurance to see if it will cover some or even all of the costs, if you are lucky. This can take some looking on your part. That will start with looking through your insurance policy at surgical procedures and the testing required before surgery to see what exclusions are made.
Unfortunately, many insurance companies consider tubal ligation reversal to be elective surgery. Whereas the original surgery may have been covered, to undo it is considered something you are simply choosing to do for non-medical reasons. That makes it a procedure they don’t want to cover.
Yet there are some companies that once you have read through the policy documentation you will find that they cover some of the procedures involved but not all of them. These companies may well cover the costs for the tests and anesthesia but not for the actual operation itself.
The best way to check exactly what your current health insurance allows for and what it does not is to get hold of details of the procedure and diagnostic codes from your doctor. You can then provide these to your insurance provider and they will be able to tell you almost immediately whether insurance coverage is provided or not.
Finding out you are fortunate enough to have an insurance that might cover this tubal ligation reversal surgery is good. Keep in mind that there may still be other factors that weigh in on whether you will get coverage or not.
Some insurance companies will need to know whether the operation will be carried out in the state where you live or not. Also some companies will need to know that the operation is able to meet with certain legal requirements and if they do you may well find that some types of fertility procedures are covered under this, but it does not mean that tubal reversal will.
Unfortunately, even after you go through all the hoops above and finally discover that your insurance company will provide the financial assistance for tubal reversal, you could find that they will not pay up front. They will want you to have the procedure and the follow ups as required by the surgeon and only then will they pay. To cover himself, the doctor will probably want written confirmation before he proceeds and it would be a good idea for you as well, just in case the insurance company decides to change policy during your process.
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