How much does it cost to get your fallopian tubes untied if you change your mind about having more children in the future? Life circumstances often evolve.
Tubal ligation reversal surgery is expensive – and rarely covered by insurance.
Defining the problem is the first step. You have the price range for the procedure itself, optional services and expenses, and then you have consequences (becoming pregnant and then taking unpaid maternity leave).
The three combined together are not cheap! However, you can take steps to keep the operation, additional services, and consequences more affordable, and find resources near where you live that might help.
Tubal Ligation Reversal Cost Factors
Estimating your tubal ligation reversal surgery costs mean looking at a wide range of factors. Average figures provide a starting point. Then you can adjust your budget forecast up or down based on what your clinic will charge, what insurance might pay, and any finance charges.
Request a short-term disability quote before you begin. A new policy will probably not cover the initial procedure. However, you want to become pregnant in the future and may want to enjoy paid maternity leave benefits. You cannot buy this coverage after conception – so the time to act is now!
The average cost of tubal ligation reversal surgery in the USA appears to be about $7,500. However, the amount that each patient might spend out-of-pocket can range much higher or lower depending on many factors.
An average figure is a starting point. Your actual charges depend on the type of clamping, tying, or burning you want to undo, the testing needed, optional services, and the length of your facility stay.
The price of your tubal reversal surgery will vary based on the previous procedure you want to undo. The surgeon may need to take fewer or more steps during the operation and will charge accordingly.
- Essure Coils: require a tubocornual implantation
- Bipolar Coagulation: involves cutting and reattaching burnt segments
- Fimbriectomy: involves opening and folding out the inner tube lining
- Hulka and Filshie Clip: requires removal of the clip and reattachment of healthy tubes
In addition, women with extensive scarring from previous operations (Cesarean section) could need to pay more. It takes more time to cut through tough scar tissue.
Your surgeon could recommend a variety of tests and/or treatments to could add to your total tubal reversal expenses. Some will be required while others are optional. The clinic may or may not include these charges in their base fee.
- Pre-operative bloodwork to spot infections (STD, HIV, or Hepatitis)
- Ultrasound and exam to visualize the health of reproductive organs
- Follicle Stimulating Hormone (FSH) test to assess ovarian function
- Semen analysis to confirm the sperm count of your partner
- Liposuction for women with Body Mass Index (BMI) over 29
- Prescribed medications (anesthesia, antibiotics, anti-nausea)
Your tubal reversal operation will take place in either an outpatient surgical facility or hospital setting. Most women will require a brief stay in the recovery area and she can check out the same day. However, complications that require an overnight hospital stay could add significant charges to your bill.
Every surgery entails an element of risk that could lead to an overnight stay.
- Damage to nearby organs
- Reactions to anesthesia
Having your health insurance cover a portion of having your tubes untied will help lower costs. However, most insurance plans will not pay to undo previous voluntary sterilization.
You must demonstrate a medically necessary reason in order for the plan to honor a claim. Some of these reasons often qualify for coverage.
- Post Tubal Ligation Syndrome (PTLS)
- Lab work for blood tests
- Removal of uterine fibroids and polyps
- Post-surgical complications (infections or injuries)
Financing fees and interest can increase your total tubal reversal costs over time. Many couples do have the resources on hand to pay the entire fee upfront as requested by the surgical clinic. Therefore, they must borrow the money, which adds extra expenses.
- Upfront origination fees average 5% of the amount financed. For example, a patient borrowing $10,000 will have only $9,500 of funding to forward to the clinic.
- Interest rates can range from 5% to 35% depending on credit qualifications and the repayment length. For example, our patient borrowing $10,000 at a 20% interest rate and repaying the note over 5 years will incur $5,896 in extra charges.
Under Set Price
Finding tubal reversal surgery costing under a set price ($5,000, $4,000, or $3,000) will not be easy. These figures are slightly above, at, or slightly below close to half of the average cost in the USA.
These price thresholds may not be realistic unless you can find a free grant and/or you stick with the most basic services with no extra frills.
- A simple procedure to untie
- No optional tests or treatments
- Quick one-day recovery without complications
- Insurance picks up part of the tab
- Pay cash upfront without financing charges
Cheap Tubal Ligation Reversal Near You
Where can you get your tubes untied for cheap? Finding the lowest-cost clinic near where you live has pros and cons. First, cheaper is not always better. You want the operation to be a success so that you can become pregnant shortly after. Second, travel costs are a big factor.
In addition, think ahead to when you become pregnant. The region where you live or work can make bringing home a baby far more affordable. Think big picture in order to make the best decisions – such as purchasing disability insurance before you conceive.
You can lower travel expenses by choosing a tubal reversal surgery center near where you live. This way you do not have to pay for airline tickets, lengthy hotel stays, expensive meals in restaurants, or childcare while out of town.
Having your tubes untied is not a one-day affair. Budget at least three trips into the equation.
- Initial consultation and testing
- The actual procedure and recovery
- Follow-up visits with the surgeon
Many state-based regulations make the outcome (having a baby) of tubal ligation reversal less expensive. Five 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 voluntary sterilization. However, you still might need other fertility treatments even after your tubes are untied.
- Temporary disability programs automatically enroll workers in programs that replace income. These programs make your time away from work 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 reasonable.
- State medical leave programs provide unpaid job protections beyond FMLA. Losing your job is not cheap. These additional laws can prevent this from happening to you.
- Unemployment compensation may pay benefits if you lose your job to care for a family member or because of your own health condition. You must be able to work.
These five state-based programs can make the procedure and outcome (pregnancy and childbirth) of untying your fallopian tubes more affordable. The state laws pertain where you work, rather than where you live.