Tubal Ligation Reversal Cost: Insurance and Financing

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

• Unreimbursed medical deductions: your out-of-pocket costs may be tax deductible.  Depending upon your costs and income, a substantial tax savings may be available to you.
• 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 the costs, leaving you fifty two weeks to repay the loan using pre-tax contributions.

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 greatly exceed the premium you pay.

Tubal reversal increases the risks of ectopic pregnancy.  Supplemental maternity insurance 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 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 will not be covered, but any hospitalization needed as a result of complications such as post operative infections may pay benefits.

Hospital indemnity insurance will cover mom's normal labor and delivery. It pays cash benefits directly to the insured. By timing the coverage start date with your surgery, mom's benefit for normal delivery may greatly exceed the premium you might pay. Use the surplus to offset your surgical costs.