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To find funding for tubal reversal leaves the woman and her family wanting it searching high and low. As the surgery can be very costly and most of us don’t have a few thousand or ten thousand lying around to be used for this, we have to find other means. So the financing becomes a major obstacle to getting her tubes untied.

As most women will not have the full amount required for the surgery in their bank account, this means coming up with another way to get the money for the doctor’s fees, testing and whatever else is needed to carry out the procedure. Below we have included several different methods for finding the funding for tubal reversal.

Let’s start our list with the old tried and true savings account. In this you will put “extra” money. If you have a jar to catch the extra change you hate to carry in your purse or your husband hates to carry in his pocket, empty it every week into your savings account. Look around for whatever ways you can find of cutting costs in your home and add these savings to your account. The web and the libraries are full of information and books on budgeting and living frugally. You might even consider having a savings account set up just as your tubal reversal fund. Nothing gets pulled from it till it’s time to pay the doctor.

One good way to add to your fund is to get a job, whether it’s babysitting if you’re a stay at home mom or a Walmart cashier if you can get away from home. One of you might even consider getting a second job if you both work now, however hard that might be. It will only be for a little while till you have the amount your need.

The next method of funding for tubal reversal is a payment plan. This will be set up with your surgeon, or more precisely his office. You will have to find out if this is available to you from your surgeon. If you choose world renown Dr. Gary S. Berger to do your surgery, you will find that this option is available. Simply contact his office to get further details on how this will work.

One way to get a big chunk of money to add to your fund is to use your income tax refund. If you depend upon this alone, you could find it takes a few years to save up the money you need and things have a way of happening to make the money disappear. That’s where something like the payment plan mentioned last paragraph comes in handy. Send in the tax refund and it’s out of your hands and not so easy to spend.

Usually the first place you will look for funding for tubal reversal is your health insurance provider. However, most will not cover this type of elective procedure though some may cover some of the initial testing. I hate to say it, but it all depends. It will really take a call to your company to get the real scoop and even then two different people there may tell you two opposite answers. If you do get someone to tell you a tubal reversal is covered, then get it in writing. You don’t want to be surprised after the surgery and find you have to pay it all with no reimbursement.

While still talking about health insurance there are two ways that you just might, that it’s just possible, you can get them to provide the funding for tubal reversal. If you suffer from post tubal ligation syndrome and you can get your primary doctor on board, he/she could state in writing for your insurance company that you need your tubes repaired. Not that you need a tubal reversal but that you need your tubes repaired. The second way you might get some money returned to you is if your insurance has a health expenses cap and you go over it with the surgery.

Another account you might find useful is your flexible spending account available through your job. These allow money to be taken from your paycheck before taxes, so you not only get the benefit of money piling up, it means you pay less taxes. You will have to find out the way your particular flex spending account works and sign up during your enrollment period if you aren’t already in one.

Another such source from your work would be taking out a 401(k) or IRA to pay for the full cost. You will end up paying a penalty and that money won’t be building your retirement so you will just have to decide what is most important to you. If it’s for ptls relief, I know what I would choose.

The last method we will mention is simply using your credit card. You can ask if your surgeon will accept a credit card and hope he takes yours. You could get a cash advance. Some credit cards offer special deals on cash advances to get you to apply for their card. Others charge very high interest rates. Be sure to know what you are getting into there.

Although there may be other methods available for funding for tubal reversal, the above will give you a good start on things to consider. As I don’t know your situation, I won’t know what is right for you. Only you can decide. But be careful about getting in over your head.

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