Can you get your tubes untied for free?
You can try.
Doctors may offer pro bono tubal ligation reversal for a handful of low-income patients. Non-profits may receive donor funding or government grants and earmark financial aid for couples who change their minds about having another baby.
Unfortunately, the number of couples looking for free surgical care is far greater than the funding available to help them. You may have to adjust your expectations.
Finding ways to lower your costs is more realistic.
Free Tubal Ligation Reversal Services
Finding free tubal ligation reversal will not be easy. This delicate major surgery involves much more than just removing clips or clamps. A portion of your fallopian tubes always sustains damage. Therefore, the surgeon must also reattach two healthy ends together.
Finding pro bono services that lower a portion of your overall costs may be a more realistic expectation. Thinking ahead to when you have a baby gives you more opportunities to save money. Timing is a big factor. Act before conception.
Using a Flexible Spending Account (FSA) is an option for interest-free financing for a portion of your tubal reversal expenses. A couple can choose to contribute up to $2,700 each (2019) into a healthcare FSA during their annual open enrollment period.
Time the elective surgery for the beginning of the FSA plan year. Your employer must reimburse all qualifying medical expenses immediately – even if you have yet to make any pretax contributions into the account. If you terminate employment during the year, the money is yours to keep
- Your employer cannot charge interest on the loan
- Pretax payroll deductions actually save you money
- Lower federal income taxes
- Eliminate FICA taxes on the amounts
- Possible state income tax savings
Having your private or public health insurance plan pay is another option for getting your tubes untied free. Insurance rarely covers the reversal of voluntary sterilization. Therefore, this alternative will work for only a very small fraction of people who fit into one of three categories.
- Women with a medically necessary reason such as PTLS or dysmenorrhea
- Active servicewomen who can schedule the surgery on a military base
- Couples working in mandate states can get coverage for IVF instead
Also, insurance may pay for the medically necessary portions of your procedure. Pre-operative blood tests and ultrasounds, removal of lesions and fibroids, and post-surgical complications are examples of what your plan may pay for (cover).
Volunteering to participate in a clinical trial is another alternative that could lead to free tubal reversal. In a clinical trial, participants may receive pro-bono services in exchange for being a human Guinea pig on experimental protocols.
Begin at the government clinical trials website. Enter search terms that relate to symptoms you may be experiencing. The system will present the related studies, which may be in foreign countries.
- Other symptoms
However, the odds are not very good that you will qualify. Most of the studies centered on tubal occlusions and other disease-related conditions – not the negation of earlier voluntary sterilizatio n.
Reversing tubal ligation naturally is another free option with low chances of working. Your fallopian tubes would have to reconnect without surgery in order to restore your fertility.
The two natural methods touted online have very low success rates. In addition, both of these methods have little or no scientific data backing them up.
- Fertility massage to increase blood flow to your reproductive organs
- Taking castor oil by mouth to promote natural healing
Free Tubal Ligation Reversal Grants
Free tubal reversal grants is money that you do not have to repay – if you can find an entity willing to give you this funding with no strings attached. However, this will not be easy.
The federal government awards grants to universities, state agencies, and non-profit organizations – not to individuals or couples. Begin at the Grants.gov website and identify possible recipients in your regional area. Apply with the local university or non-profit organization to get your tubal reversal paid for by a third party.
The federal government also awards grants in the form of unreimbursed medical expense deductions. Your unreimbursed costs for tubal reversal surgery qualify for this tax saving deduction.
However, taking deductions on Schedule A is a fallback alternative. Couples without access to an FSA, or who missed the annual open enrollment can take this route. Taking deduction is the fallback option because you must meet two different thresholds in order to qualify for any tax savings.
- The amount of unreimbursed medical expenses must exceed a percentage of your Adjusted Gross Income (AGI).
- 5% in 2019
- 0% in 2020
- Your total itemized deductions must also exceed your standard deduction. The Tax Cuts and Jobs Act raised the standard deduction, which means that fewer people will benefit by itemizing.
Consult your certified public accountant for advice on whether itemizing deductions will lower your tax bill.
Non-profit tubal ligation reversal financial aid is another option worth exploring – but with poor chances for the desired outcome. Non-profit charitable organizations often have limited funding and resources. Therefore, they can help only a very small number of couples.
Each non-profit may use four or more revenue models to raise funds.
- Government grants sometimes trickle down (see above)
- Rely on the generosity of donors
- Charge upfront application fees
- Help people raise money from friends
Unfortunately, these revenue models do not appear to work very well. As you will quickly see, non-profit tubal reversal financial aid is for more myth than reality.
- Tubal Reversal Angels appears to be defunct
- Fit To Be Untied is also inactive
- The Lord’s Heritage– appears to be an ongoing faith-based ministry