To find funding for tubal reversal leaves the woman and her family wanting it searching high and low. As the surgery can be very costly and most of us don’t have a few thousand or ten thousand lying around to be used for this, we have to find other means. So the financing becomes a major obstacle to getting her tubes untied.

This means most women will be searching for some other way to come up with the requisite money to pay the doctor’s fees and all other associated costs such as the anesthesiologist and surgical facility. While having the full amount in one’s bank account would be the best scenario, it usually doesn’t happen that way. There are more or less eight ways to come up with the amount of your tubal reversal costs.

Let’s start our list with the old tried and true savings account. In this you will put “extra” money. If you have a jar to catch the extra change you hate to carry in your purse or your husband hates to carry in his pocket, empty it every week into your savings account. Look around for whatever ways you can find of cutting costs in your home and add these savings to your account. The web and the libraries are full of information and books on budgeting and living frugally. You might even consider having a savings account set up just as your tubal reversal fund. Nothing gets pulled from it till it’s time to pay the doctor.

One good way to add to your fund is to get a job, whether it’s babysitting if you’re a stay at home mom or a Walmart cashier if you can get away from home. One of you might even consider getting a second job if you both work now, however hard that might be. It will only be for a little while till you have the amount your need.

One method that might be open to you is a sort of lay away plan at the surgeon you have chosen. For instance, if you choose one of the doctors at Chapel Hill Tubal Reversal Center, you can open a payment plan with $250. After that you can pay as much as you can when you can. I would suggest weekly if at all possible. The longer it stays in your hands the easier it is for it to disappear. Talk to the staff at Chapel Hill Tubal Reversal Center to get further details.

Some women use their family’s income tax refund to pay for the tubal reversal surgery. Depending upon your personal situation, you might have to wait a few years if just depending upon a tax refund. This is why some will use their tax refund to supplement their savings plan.

Many people will think about insurance paying for the procedure as their first thought when looking at funding for tubal reversal. Some insurance companies will cover the surgery as part of their plan. However, if someone at your insurance carrier says they will, get it in writing. You may find that one person at the company says, “Yes”, and then the next will say, “No.” There are too many cases of a woman going in for the surgery thinking it was covered only to find out after wards that the insurance would pay nothing. Get it in writing!

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.

Hopefully one of the above ideas will be the right funding for tubal reversal for you. Decide upon the one that best fits your lifestyle and situation. Only you know what is right for you.

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