Tubal Reversal Payment Plans: Bad Credit Financing

Payment plans for tubal ligation reversal spread the upfront cost of surgery ($7,500 average) out over time.

For example, a patient with a fair credit score (650+) might pay $250 every thirty days for thirty-six months.

You have multiple ways to make this happen, including medical loans, credit cards, “in-house programs,” and Flexible Spending Accounts (FSA).  Therefore, do your homework.

Finally, patients with bad credit history can turn to online subprime lenders and your FSA again – something you do not want to overlook.

Payment Plans for Tubal Reversal Surgery

Payment plans for tubal ligation reversal spread the cost of a surgery over months or years, making the procedure more budget-friendly. However, your local provider is unlikely to underwrite this service themselves.

Instead of looking for a nearby surgeon that offers installment agreements, you are best served by exploring all alternatives beforehand in order of financial impact.

  1. Get insurance (Medicaid) to cover costs
  2. Qualify for grants to lower spending
  3. Borrow money and pay it back each month  

Medical Loans

Request a medical loan (Sponsored Link) to establish a tubal reversal payment plan. If approved, the lender will deposit the money directly into your checking account, enabling you to pick the surgeon with the best record of restoring fertility after voluntary sterilization.

You will repay the lender in fixed monthly installments beginning several weeks after the funding date. The amount owed each month will depend on several variables.

  • How much you borrow to pay for surgery
  • The cost of using the lender’s money (interest)
  • How long you take to repay (number of months)


Surgical centers offering tubal reversal payment plans in-house are not what they seem, and waiting until the last minute could hurt your approval chances.

Would you stop by your neighborhood bank and ask them to untie your tubes? Of course, that would be silly. Likewise, surgeons rarely finance in-house. Instead, they refer patients to third-party companies like one of these.

In-house financing offers convenient one-stop shopping but does nothing to increase your approval odds since a third party is often involved. You risk rejection if the one company they refer patients to has strict criteria.

Credit Cards

A medical credit card is another financing option to set up a tubal reversal payment plan available through Care Credit and other companies. With these revolving arrangements, patients have the luxury of elastic installments, which can be a blessing or a curse if you do not read the fine print.

  • Zero percent interest: via promotional offers provided you repay the entire balance within a set period of six or twelve months
  • 26.99% deferred interest: if you fail to repay the promotional balance within the designated time.

FSA Loans

A Flexible Spending Account (FSA) offers the most affordable alternative for a tubal reversal payment plan – if available through your employer.  Elect to contribute the full amount ($2,750 per person) during open enrollment and schedule your surgery at the beginning of the FSA plan year.

Your employer must reimburse all qualifying expenses immediately (Essure reversal is eligible). You then have up to twelve months to repay your FSA loan to your employer with pre-tax dollars, which reduces the taxes owed significantly based on your marginal rate.

  • Federal brackets: 10% to 37%
  • FICA: up to 7.65%
  • State brackets vary based on where you work
    • California: 1% to 12.3%
    • Texas: 0%
    • Florida: 0%
    • New York: 4% to 8.82%
    • Pennsylvania: 3.07%
    • Illinois: 4.95%
    • Ohio: 0% to 4.8%
    • Georgia: 1% to 5.75%
    • North Carolina: 5.25%
    • Michigan: 4.25%

Financing Tubal Reversal with Bad Credit

Financing tubal ligation reversal with a bad credit history requires some out-of-the-box thinking. Patients with insufficient borrowing credentials must seek alternative methods to get the funding they need for surgery.

Specialty online companies and your FSA (see above) are two places to turn when you have low FICO scores – assuming you cannot find a grant or free services.

No Credit Check

Financing tubal ligation reversal without a credit check is a popular strategy for people with adverse histories appearing on their consumer reports. Online companies and FSA offer alternatives.

  • No credit check lenders may emphasize income more than your FICO score. However, they will probably still pull a report from an alternative bureau that supplies non-traditional information such as social media profiles and posts, utility, and apartment rental history.
  • You can participate in an FSA without a credit check. Under IRS rules, your employer cannot pull a copy of your consumer report and must allow you to participate even if you have lousy scores.

Guaranteed Approval

Guaranteed financing for tubal ligation reversal is an unrealistic expectation for patients with bad credit history and low FICO scores – unless the government steps in to suspend all logic.

  • Subprime lenders are private companies and cannot guarantee they will fund your request. At best, their approval rates are below 40% for applicants with lousy credit.
  • The Internal Revenue Service establishes FSA rules, translating into two separate guarantees for people with lousy credit.
    • Employers must allow all employees to participate
    • Employers must reimburse all qualifying expenses