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The primary financing options for tubal ligation reversal surgery are personal loans, flexible spending accounts, in-house payment plans, and getting insurance to cover the procedure or outcome.

All patients should take advantage of a flexible spending account if they have access at work. Nothing beats the below-zero interest rates associated with pre-tax payroll deductions. It is the best alternative regardless of borrowing qualifications.

Those without access through their employer can turn to outside companies. Online personal loan lenders give you the flexibility to choose the best surgeon. Payment plans lock you into the practice.

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Tubal Ligation Reversal Financing Bad Credit

Financing tubal ligation reversal surgery with bad credit requires some out-of-the-box thinking. Patients with poor borrowing qualifications need to seek out alternative methods to get the funding they need.

Specialty online companies and a common employee benefits program are two places to turn.

No Credit Check

Request a personal loan (Affiliate Link) here to fund your tubal ligation reversal procedure. The specialty online company may base their decision on income and affordability without a mainstream credit check (Equifax, Experian, or TransUnion) showing your poor FICO score.

The company may pull alternative consumer reports
and use different credit scores to determine eligibility. 

If approved, they send the money directly to your bank account – rather than the surgical practice. This gives you the flexibility to choose any provider.

People with bad credit need to provide extra information in order to qualify.  Be prepared with this documentation.

  • Demonstrate sufficient income to make payments
    • Time employed
    • Employer name
    • Employer phone number
  • Verify your identity
    • Driver’s license number
    • Social security number
  • Input your bank routing number and account number
    • 3rd level of identity verification
    • Consent to auto withdrawals

Guaranteed Approval

Surprisingly, the IRS offers guaranteed approval for tubal ligation reversal financing through a Flexible Spending Account (FSA). No legitimate company will automatically lend money to every bad credit patient. Only the USA federal government would do something so silly.

  • Couples who have access through their employer can use their FSA for a medical loan.
  • Elect to contribute during the annual open enrollment
  • Schedule the procedure at the beginning of the plan year
  • Your employer must reimburse all qualifying expenses immediately
  • You have up to 52 weeks to repay the loan with pre-tax payroll deductions
  • Reduce the amount of federal income and FICA taxes paid
  • No credit check required to participate
  • Guaranteed approval for IRS deductible medical expenses

Tubal Ligation Reversal Payment Plans

Tubal ligation reversal surgery payment plans are a second financing option worth exploring. However, in the USA, these programs are rarely what they seem.

You may not want to lock yourself into a practice offering payment plans through a third party finance company, and might want to explore other options.

Get Insurance to Pay

Getting insurance to pay for tubal ligation reversal is the most affordable payment plan option. With this method, you make monthly premium payments and the company picks up a portion of the tab. Three types of policies can help make the surgery or outcome more affordable.

Health Insurance

Getting health insurance to pay for tubal reversal surgery is very difficult in the USA. Most policies exclude coverage for any surgical reversal of previous sterilization.

  • Sixteen states have a mandate requiring coverage of certain infertility treatments. However, each mandate specifically excludes sterilization reversals.
  • Women suffering from a documented case of Post Tubal Ligation Syndrome (PTLS) may have a better case. It may be medically necessary. Obtain pre-certification to be sure.
  • The intended pregnancy is easy to address. Take the time to optimize the plan for her upcoming prenatal care and hospitalization. Pick a plan with a local NICU in-network if mom is older or high-risk.

Disability Insurance

Getting short-term disability insurance to pay for the tubectomy reversal outcome is a more viable payment plan option. The policy will not cover the surgery itself but it will address the intended goal – provided you start the coverage prior to conception – which is now.

Short-term disability replaces a portion of income during the time that a mother-to-be is unable to work.

  • Pregnancy complications before giving birth
  • Recovery from normal labor and delivery
  • Accidents and illnesses unrelated to motherhood

This is critical to have as most states do not have a mandatory program.

  • California SDI is a public program with solid benefits
  • Texas requires people to purchase a private policy
  • Louisiana does not have a mandatory benefit

Hospital Indemnity

Getting hospital indemnity insurance to pay for the tubal reversal outcome is another viable payment plan alternative – provided you act prior to conception – which is now. A hospital indemnity policy pays a benefit directly to the patient after overnight confinement.

Hospital indemnity does not coordinate benefits with any other policy. You receive the full amount after mom checks into the hospital for her normal childbirth experience. In addition, it pays an additional amount if your child requires specialized care in a Neonatal Intensive Care Unit – which is very common.


Finding an office that offers in-house tubal ligation reversal payment plans often proves misleading. Very few surgical centers want to involve themselves in pulling credit reports, verifying income and employment, and sending out collection notices to delinquent patients.

Their specialty is performing delicate operations to untie fallopian tubes and help women restore their fertility. They want the money upfront – before they begin any procedure. Therefore, they refer patients to a third party company.

These third-party patient finance companies act like the man behind the curtain making payment plans possible. If approved, they send the funding to the practice – not the patient. Keep this in mind. Do you want to pick the surgeon with the best success rate or the one that lets you pay in installments?

A personal loan with monthly installments gives you more flexibility.