If you also consider that most health insurance plans will not cover the cost of tubal ligation reversal and reversal surgery can cost in excess of $5,000 then it is easy to understand why someone would ask if the surgery can be financed with a tubal reversal loan.
Tubal reversal surgery can be ‘financed’ in several ways.
How Much Does Tubal Reversal Cost?
Tubal ligation reversal can cost in excess of $30,000 if performed as an inpatient procedure in some US hospitals.
At Chapel Hill Tubal Reversal Center, we specialize in tubal surgery and charge an affordable tubal reversal price of $5,400 to $5,900 for tubal reversal surgery. Reversal of Essure and Adiana costs between $6,400 to $6,900.
There are several ways to pay the cost for tubal reversal at Chapel Hill Tubal Reversal Center.
Paying For Tubal Reversal Surgery?
All patients pay for tubal reversal surgery in full when they schedule their ligation reversal. Patients can pay by credit card, money order, bank wire transfer, or certified cashier’s check. Personal checks and Western Union transfers are not accepted as forms of payment. At Chapel Hill Tubal Reversal Surgery, a surgery date can be scheduled and held but payment in full must be received within 24 hours.
Financing Tubal Reversal Surgery: Tubal Reversal Loans
Our center does not accept financing as a means of payment for tubal reversal surgery. Why?
Tubal reversal loans are considered higher risk loans by the financing industry and, as a result, these reversal loans can have interest rates as high as 25%. After all loan payments are made the real cost of the tubal reversal surgery may be double or triple the original amount!
If a patient defaults on a loan then they can endure painful and long lasting financial consequences. This is one reason we do not participate in financing for tubal reversal surgery.
Financing Tubal Reversals With Tubal Reversal Loan: Costly
Companies financing tubal reversals also charge the tubal reversal doctor a fee for participating in their tubal reversal financing loan program.
These means we either have to charge all of our patients more or charge the patient who uses tubal reversal financing a higher cost for their ligation reversal surgery. We do not feel it is fair to charge all patients a higher cost because of the business practices of medical lending companies, and we feel it unwise to penalize those with the most financial need with an additional financial burden.
We do have and recommend two good, financially sound, options to pay for tubal reversal.
Payment Plan For Tubal Reversal
A prepayment plan for tubal reversal exists at Chapel Hill Tubal Reversal Center. Using this plan patients can make contributions towards their tubal reversal surgery over time. When they have the full amount available then they can schedule tubal reversal surgery. This allows tubal reversal patients to have a ‘tubal reversal savings’ account and provides the comfort of knowing they are making contributions towards a major personal goal.
More information about this plan can be found here: Tubal Reversal Prepayment Plan.
Flexible Spending For Tubal Reversal
Flexible spending accounts can be established through your employer. These are accounts where money is deducted from your salary over a defined period of time. When this time period is up, you can use the money for any health care related treatment. A flexible spending account may also offer you certain tax advantages.
Financing Ligation Reversal Surgery
We choose not to take part in predatory lending which takes advantage of those in need and those who are the least able to afford the high interest rates charged for an elective surgery.
Instead we have kept our ligation reversal surgeries affordable, created a tubal reversal prepayment plan, and participate in flexible spending accounts for patients interested in tubal ligation reversal surgery.
Submitted by Dr. Charles Monteith