Vasectomy Reversal Cost: Insurance, Financing
Vasectomy reversal costs can range from $5,000 to $20,000 depending upon the complexity of your surgery. There may be separate charges for the surgery, anesthesia, and the hospital or surgical center.
Most health insurance plans will not cover the cost of your vasectomy reversal or any the reversal of any elective sterilization, so it pays to plan ahead and utilize several key strategies:
Vasectomy Reversal Surgery
Many men undergo a vasectomy thinking they are done having children. But life can throw unexpected changes. Remarriage, loss of a child, and testicular pain are common reasons why men undergo a sterilization reversal surgery.
More Affordable Vastectomy Reversal
Because most health insurance plans do not provide coverage, you may need to pay the entire cost of vasectomy reversal upfront. The U.S. tax code provides two mechanisms to help you reduce your out-of-pocket expenses, and make your procedure more affordable:
Offset Vasectomy Reversal Risks
You can offset vasectomy reversal costs and risks by using supplemental insurance. Supplemental coverage can be leveraged to pay benefits that will pay back many of your out of pocket expenses. There are several risks associated with any surgery, and reversing a sterilization procedure has one other: mom may get pregnant, deliver a baby, and take an unpaid maternity leave.
Supplemental maternity 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 repay your surgical costs.
Vasectomy Reversal Success Rates
Vasectomy reversal success rates are broken down into two categories:sperm return, and pregnancy rate. Time since the original vasectomy drives your odds of success. Sperm return rates varies from 70% to 90%, and the pregnancy rate from 30% to 76%. Consider the bigger picture when evaluating reversal success rates: what if it works and my wife gets pregnant, and what if it doesn't; what do we do then?
Insurance: Vasectomy Reversal or ICSI and IVF?
Patients often explore using Intracytoplasmic Sperm Injection (ICSI) in combination with In Vitro Fertilization (IVF) in case vasectomy reversal is unsuccessful. The surgery is tried first because costs are much lower, and the conception experience is more intimate and natural. Having a baby by IVF is very clinical. IVF and ICSI may be far more affordable than vasectomy reversal for some couples, and may make more sense as a first option for some.
Fifteen states mandate infertility coverage by group health plans. Reversal of sterilizations is almost always specifically excluded by the mandates. Of that group nine specifically require coverage of IVF, and a subset includes benefits for ICSI. If the employer of one or both spouses is headquartered in one of these states, then vasectomy reversal may be the less affordable option, because the health plan is covering the IVF expenses.
Vasectomy Reversal Financing
Get interest free vasectomy reversal and infertility financing from your employer by paying your surgical costs 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.
Remember that if you require a loan to finance your procedure you plan on repaying using future income. Many couples require both incomes to make ends meet. Don't borrow money to fund your procedure without making certain that both incomes will continue. Your reversal is designed to get your wife pregnant, which leads to her maternity leave. Or in other words, lost income needed to repay your loan. Make sure she purchases short term disability before getting pregnant.