Couples can take several steps take may lower their costs of tubal ligation reversal surgery. Defining the problem is the first step. You have the price, and then you have consequences. What may happen after is not cheap!

Look at the bigger picture to lower your costs of tubal reversal and make the procedure more affordable. Insurance may cover the surgery for a tiny minority with specific medical conditions. It will cover the consequences for a large majority, provided you act before you conceive. Variations in state laws complete the picture.

  • Prices with and without insurance
  • Implications of the intended result
  • Regulations in your state

Cheapest Tubal Reversal Comes With Insurance

The cheapest tubal ligation reversal surgery occurs when your insurance company agrees to pay for the procedure. Obviously, this minimizes your out-of-pocket expenses. However, this outcome is extremely rare for most women.

Specialized financing and loans may help you get started. The most likely outcome is that you must pay entirely by yourself. You may be able to utilize insurance in unique ways to reduce what you spend.

Without Insurance

The cheapest tubal ligation reversal without insurance takes the fullest advantage of the tax code. The amount you pay for the medical testing, surgery, anesthesia, hospital, and travel are tax-deductible expenses. The average cost of a bilateral procedure comes in about $10,000. This provides plenty of opportunities to reduce what you pay Uncle Sam.

Government grants and financial assistance come primarily through refunds and deductions you make throughout the year. Some private companies and non-profits may help. Proper tax planning makes the biggest dent in what you spend.

With Insurance

You are not being cheap by asking your insurance company to pay for a portion of your tubal ligation reversal. It is a smart move to make, even though your odds of a favorable response are very low. Two exceptions may apply.

PTLS and Complications

Health insurance sometimes covers tubal reversal. Carriers routinely classify the procedure as not medically necessary. It is elective.

The surgery may be inexpensive if you suffer symptoms from PTLS, or experience an ectopic pregnancy. You may require medically necessary treatment. Work with your gynecologist to build a narrative describing why this is the best course to alleviate these symptoms. Submit the narrative to your carrier for precertification.

In Vitro Fertilization

While neither procedure is inexpensive, many couples weigh the price differences of getting your tubes united reversal versus In Vitro Fertilization. Each has advantages and disadvantages. Insurance rarely covers a reversal of a voluntary sterilization. However, nine states have laws mandating insurance coverage for IVF.

If your employer headquarters in a mandate state, IVF may be the better option. Scroll down to the state variation sections of this article for further information.

Lowest Cost Tubal Reversal Includes Outcomes

The lowest cost tubal ligation reversal surgery considers the intended outcome. Do not think about the procedure in isolation. By including expenses related to your intended outcome, you can dramatically lower what you spend bringing home a baby.

Remember your goal is to become pregnant, and take maternity leave. The only way to lower these downstream costs is to make changes before you conceive. That time is now!

Lost Income

The lowest cost for getting your fallopian tubes unclamped addresses the lost income associated with the intended pregnancy. Most women in the United States do not enjoy paid maternity leave while recovering from childbirth. Twenty-five percent of pregnancies encounter one or more complications, requiring mom to miss work prior to delivery.

Short-term disability insurance helps lower the costs of lost income. You must purchase the coverage prior to conception in order to qualify. The policy may cover lost income associated with surgical complications, so get it started right away.

Pregnancy Expenses

The lowest cost tubal ligation reversal also addresses the additional medical expenses associated with the intended pregnancy. Every pregnancy increases unreimbursed expenses. You may need to fund extra copays, co-insurance, and hospital deductibles.

Maternity insurance plans may help lower these unreimbursed costs. Every plan must cover preexisting conditions with no waiting period. However, you cannot buy or alter your plan whenever you want. You must abide by open enrollment rules. Plan appropriately. Pick a plan optimized to cover your expected childbirth before you conceive.

State Programs Make Tubal Reversal Most Affordable

Specific state laws and programs make tubal ligation reversal surgery most affordable. Once again, you should not look at expenditures for the procedure in isolation. You should consider all the related issues surrounding your intended goal of having another child after your voluntary sterilization.

Consider application state regulations that make alternative treatments and the intended outcome more affordable. Then review the laws in the state where you work.

Applicable State Regulations

Many state-based regulations make the outcome of tubal ligation reversal more affordable. Three categories of laws and mandates reduce what you may end up paying to bring home your baby.

  • Infertility mandates always exclude coverage for reversal of a voluntary sterilization. However, you still may need other fertility treatments even after your tubes are untied. You may be in luck if your employer headquarters in a mandate state.
  • Temporary disability programs automatically enroll workers in programs that replace income. These programs make maternity leave and pregnancy complications much more affordable.
  • Paid family leave programs replace income for both parents when they stop working to care for a newborn at home. This makes baby bonding time more affordable.
  • Unemployment compensation may apply if your state allows you to collect because of a “compelling family reason.” Some states include an employee’s own disability in this definition. Most include care of a sick family member.
  • State family leave programs provide unpaid job protections beyond FMLA. Losing your job is not affordable. These additional laws may prevent this from happening to you.

Affordability by State

State-based financial assistance programs can make the outcome of untying your fallopian tubes more affordable for your family. The state laws pertain where you work, rather than where you live.

  • Arkansas
    • Permits unemployment compensation for an employee’s own disability
  • Arizona
    • Allows unemployment compensation for a “compelling family reason”
  • California
    • Allows unemployment compensation for a “compelling family reason”
    • Insurance mandates for infertility
    • Mandated short term disability
    • Paid family leave
    • Pregnancy disability job protections
    • Extended family leaves
  • Colorado
    • Allows unemployment compensation for a “compelling family reason”
  • Connecticut
    • Insurance mandates for infertility
    • Allows unemployment compensation for a “compelling family reason”
    • Extends job protections for family leave
  • Florida – nothing
  • Indiana – nothing
  • Illinois
    • Permits unemployment compensation for an employee’s own disability
    • Mandates that insurance cover IVF
  • Louisiana
    • Has an infertility mandate
  • Massachusetts
    • Mandates that insurance cover IVF
    • Extends job protections during maternity leave
  • Michigan – nothing
  • New Jersey
    • Mandates that insurance cover IVF
    • Mandated short term disability
    • Paid family leave
    • Extended family leaves
  • New York
    • Allows unemployment compensation for a “compelling family reason”
    • Insurance mandates for infertility
    • Mandated short term disability
  • North Carolina
    • Allows unemployment compensation for a “compelling family reason”
  • Pennsylvania – nothing
  • Ohio
    • Mandates infertility coverage
  • Rhode Island
    • Allows unemployment compensation for a “compelling family reason”
    • Mandates that insurance cover IVF
    • Mandated short term disability
    • Paid family leave
    • Extended family leaves
  • Texas
    • Insurance mandates for IVF
    • Allows unemployment compensation for a “compelling family reason”
  • Utah – nothing

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