How much does it cost to reverse a vasectomy?
The average cost of vasectomy reversal can range from $5,000 to $20,000 depending on the complexity of your procedure. There may be separate charges for the surgery, anesthesia, and the hospital or outpatient center.
Unfortunately, insurance rarely covers the surgery itself. Financing programs can help you get started if you need the cash.
However, several kinds of insurance may address the goal of your vasectomy reversal: your partner’s pregnancy. The time to act is BEFORE conception, which is now!
Make the outcome much more affordable by thinking about the big picture.
Financing Vasectomy Reversal Costs
Many men find that they must finance their vasectomy reversal costs because insurance rarely covers the procedure (see below). It can be hard to get started with the average price ranging from $5,000 to $20,000.
Request a personal loan to fund the procedure if you do not have enough cash on hand to pay the surgeon all at once. Repay the lender over time in smaller monthly installments. Use your Flexible Spending Account to the maximum ($2,700 per spouse in 2019 and 2020) to make a dent.
Monthly payment plans can make your vasectomy reversal more affordable. Smaller bites are much easier to swallow than one large mouthful. Just be aware of the three primary options and their pros and cons.
Choose the alternative that works best for your budget.
- Personal loans deposit money in your bank account and put you in control of choosing the surgeon with the best success rates
- Patient finance companies affiliate (revenue share) with practices and send the funds directly to participating urologists
- Medical credit cards have low-interest promotional rates that skyrocket if you do not repay the full balance before the end of a set period
FSA Financial Assistance
Flexible Spending Accounts (FSA) are the ideal means of financial assistance for a vasectomy reversal. Your unreimbursed medical expenses qualify for immediate disbursement from the FSA account – if you chose to participate during your employer’s annual open enrollment. You can schedule this elective surgery at your convenience, so timing should not be an issue.
Pay the provider using your FSA debit card, or file a claim after the operation. Using pretax payroll contributions actually lowers your after-tax costs for the procedure. You will enjoy up to three different types of savings – without having to meet spending thresholds.
- Federal Income Taxes
- FICA Taxes: 7.65% for employees
- State Income Taxes
Deducting your vasectomy reversal costs on your April tax return may be less fruitful. You must meet two separate spending thresholds before seeing any savings.
- 10% of Adjusted Gross Income for medical expense deductions on Schedule A
- Itemized expenses on Schedule A must exceed your standard deduction
Vasectomy Reversal Costs Covered by Insurance
Most insurance plans will not cover vasectomy reversal costs and surgery recovery expenses. The elective procedure is not medically necessary. Medically necessary means services or supplies needed to diagnose or treat an illness, injury, condition, disease or its symptoms.
However, there are several types of coverage impacted by related reasons. You can lower what you expect to spend to accomplish your objective (having another baby) by making smart choices while it still matters.
Most health insurance plans do not cover vasectomy reversal. This elective surgical procedure undoes the work of prior elective sterilization and is not medically necessary. In addition, state regulations routinely exclude reversals of voluntary sterilizations from infertility mandates.
However, there is one notable exception to the rule.
- The Blue Cross Blue Shield Association (BCBS): consists of 37 different member companies
- Medicaid: addresses the primary needs of low-income residents
- Medicare: helps citizens over the age of 65 and some people with long-term disabilities
- The Veterans Administration (VA): provides services to former uniformed service members, and is the one option that does cover vasectomy reversal
- Tricare: assists uniformed service members and their families
Most health insurance plans (public and private) will address the objective of your microsurgical vasectomy reversal – your wife’s pregnancy. Focus on making the delivery of your baby more affordable. This is something you can influence by picking the optimal plan.
Switching plans in the middle of her pregnancy could be difficult due to the timing of open enrollment periods. Therefore, make the change while you can, and avoid troubles in the future.
Short-term disability insurance does not cover vasectomy reversal surgery directly. The procedure is not medically necessary. However, a policy may provide income replacement benefits for the intended and unintended side effects of the operation.
- Your wife may become pregnant and will need to take time off from work to recover from childbirth and bond with your newborn infant. However, you must buy a policy before conception to enjoy this coverage.
- Sperm return rates range from 70% to 90%
- Pregnancy rates vary from 30% to 76%
- Men may experience a variety of complications that make it difficult to return to work when expected. However, you must have coverage in force at least one year before the elective operation.
- Bleeding in the groin area – a collection of blood called a hematoma may form
- Sperm granuloma – leaking sperm may cause your immune system to overreact
- Hydrocele – fluid buildup may cause painful swelling
- Post-surgical infection – a common risk factor
Costs by State
Various state financial assistance programs indirectly affect the overall costs of vasectomy reversal when you factor in the bigger picture: mom bringing home your infant child. Therefore, the variation within individual states for the procedure itself is quite small compared to future expenses.
Three categories of state laws may affect your surgery and baby-related related charges.
- State mandates require coverage for other treatments that your female partner may need in order to conceive
- Other infertility treatments (√)
- IVF which is the main alternative (+)
- State disability and/or family leave insurance replaces a portion of income
- Mom during maternity leave
- Dad if medical complications arise from the operation
- State family leave laws supplement federal job protections
- Extending the time
- Expanding the number of people who qualify