Tubal Ligation Reversal Cost: Insurance and Financing

Tubal ligation reversal costs can range from $5,000 to $15,000 depending upon the surgery required. There may be charges for the surgery, anesthesia, and hospital or surgical center. Micro-surgical techniques can reattach fallopian tubes with fewer incisions, faster recovery times, and often without the need for a hospital stay.

• Affordable Tubal Reversal - tax deductions lower what you spend 
• Tubal Reversal Financing - get an interest free loan from your employer 
• Reversal Insurance - how to recoup your payments after delivery

Affordable tubal reversal is possible if you pay attention to details and plan ahead. Because most health insurance plans do not provide coverage, you may need to pay the entire amount upfront. The U.S. tax code provides two mechanisms to help you reduce your out-of-pocket charges:

• Tax deductible medical deductions: your out-of-pocket expenses for tubal reversal are deductible. Depending upon your payments and income, a substantial tax savings may be available.
• Flexible Spending Accounts: provides two advantages over taking them as a deduction:
  • You save on both Federal income taxes and FICA taxes (7.65%).
  • You get first dollar tax savings. The 7.5% AGI threshold does not apply.

Tubal ligation financing can be self generated: take an interest free loan from your employer, and take advantage of published success rate data. Pregnancy rates for women ongoing tubal reversal range from 20% to 80%, and results for women using microsurgery are higher.

Get interest free tubal ligation and infertility financing from your employer by paying via your flexible spending account. Time your surgery at the start of your plan year and your employer will fund your qualified expenditure, leaving you fifty two weeks to repay the loan using pre-tax contributions. Use of pre-tax dollars to repay your loan can reduce your total cost by one third or more depending upon your tax bracket. 

If your projected success rates are high, purchase supplemental maternity insurance before getting pregnant and you can create maternity leave income, while also protecting against pregnancy complications, delivery complications, and premature birth. Your benefit for normal delivery may fund premium payments for several years. Your premium cost will be a fraction of the amount receive for normal childbirth alone.

Tubal reversal increases the risks of ectopic pregnancy. Supplemental maternity coverage will also provide important protection in case things don't go exactly as planned. Any time missed from work or extra hospitalizations for complications will be covered as well. In addition, your child will be covered in case of premature birth or an illness that requires a stay in the Neonatal Intensive Care Unit (NICU).

Tubal ligation reversal insurance won't be found where expected: your existing health insurance plan. It is considered elective surgery and your costs won't be covered.

Hospital Indemnity Insurance can be leveraged to pay benefits that may offset some of your expenses associated with your surgery. Purchase the coverage prior to your surgery. The surgery may not be covered, but any hospitalization needed as a result of complications such as postoperative infections may pay benefits.

Hospital indemnity will cover mom's normal labor and delivery. It pays cash benefits directly to the insured. By timing the coverage start date with your procedure, mom's benefit for normal delivery may surpass the premium she pays. Use the surplus to offset your surgical outlay.

Many states have legal requirements that mandate health plans to cover certain infertility treatments. Often reversal of elective sterilizations is specifically excluded from the mandate. Check the rules in your state to verify. The states with mandated infertility coverage are: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas, and West Virginia.

Other large states such as Pennsylvania, Florida, Michigan, Georgia, and North Carolina have no infertility mandates. Check with your carrier to verify coverage if any.