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Financing Reversal Surgery

For patients interested in financing reversal surgery, A Personal Choice has partnered with CareCredit and United Medical Credit to accept financing for tubal ligation reversal, vasectomy reversal, Essure removal, and Essure reversal surgery.

Financing reversal surgery can be a convenient way to have reversal surgery without waiting to save for the full amount.

How to obtain financing for reversal surgery?

To obtain financing for surgery, you will need to apply to the financing companies directly before scheduling surgery.

Once you are approved you can schedule surgery and the financing company will pay for your surgery. After your surgery is completed, you are responsible for paying the financing company for your surgery over the time frame you agreed upon. Your interest rate and terms are established with the financing company at the time you were approved.

If you qualify for the United Medical Credit Patient Direct Loan you may be able to use the money to pay for any expenses related to reversal surgery.

Financing reversal surgery can be a great way to have your surgery now…but pay for your surgery later.

Important points about financing reversal surgery?

The following are important points to be aware of when financing reversal surgery with
A Personal Choice.

  • Qualification for financing is dependent on your financial situation and credit rating
  • You are responsible for obtaining approval for financing
  • After you have qualified we will need your financing information when you call to schedule reversal surgery
  • $500 financing administration fee is required for all financed surgeries. This financing fee cannot be combined with your financed amount, is non-refundable, and is payable at time of surgery scheduling
  • If you qualify for United Medical Credit Patient Direct Loan and pay your surgery fee in full at the time of scheduling then the $500 financing fee will be waived. The fee will only be waived for this loan and when surgery is paid in full at time of scheduling.

United Medical Credit: Reversal Surgery Financing

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Click on this image to visit United Medical Credit website

Every day, medical providers perform necessary procedures for patient’s health and well-being. On many occasions patients are unable to pay upfront for these important medical procedures. United Medical Credit assists patients by helping them finance medical procedures without hassle.

Through a network of experienced physicians and competitive lenders, United Medical Credit is able to provide you with the right medical financing options, at the best rates, and in a timely fashion.

United Medical Credit offers both a financing and a loan option:
UMC Provider Direct Financing and UMC Patient Direct Loan

UMC Provider Direct Financing
UMC Provider Direct financing is a traditional financing program. If you are approved for traditional surgery financing United Medical will send payment directly to A Personal Choice after your surgery is scheduled.

UMC Patient Direct Loan
UMC Patient Direct Loan Program is a personal loan to the patient and offers patients much more flexibility because United Medical Credit will deposit money into the patient’s account before surgery is completed and this money can be used for any expenses related to your procedure. The UMC Patient Direct Loan Program will fund amounts of up to $25,000. You can then use these funds to pay A Personal Choice directly for your surgery and to pay for travel, lodging, and food expenses!

If you qualify for the UMC Patient Direct Loan Program and pay for your surgery in full at the time of scheduling then A Personal Choice will waive the $500 financing fee.

Apply now for United Medical Credit financing by clicking on the United Medical Credit logo or here: Apply for United Medical Credit Patient Direct Loan or Provider Direct financing

CareCredit: Reversal Surgery Financing

CareCredit will provide a medical credit card for your health needs that lets you enjoy the benefits of living well today, with special healthcare financing options so you can pay monthly. Once approved you will be issued a CareCredit credit card that can only be used for approved medical and surgical procedures at the time your services are rendered.

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Click on this image to visit CareCredit website

With special financing options for health and wellness, the CareCredit healthcare credit card helps make costly procedures and treatments more manageable with special financing options.

A Personal Choice exclusively participates in CareCredit’s 24 to 60 months financing plans. The office does not participate in the no interest financing plans.

Apply now for CareCredit financing by clicking on the CareCredit logo or here:
Apply for CareCredit financing

Financing Reversal Surgery With The Two Best Companies Around

With two of the best financing reversal companies working with A Personal Choice it has never been easier to finance tubal reversal surgery or finance vasectomy reversal surgery. These companies have also partnered with A Personal Choice to offer patients financing for Essure reversal and Essure removal surgery.

Tips on Financing Reversal Surgery

1. Have good credit
Financing companies are only willing to finance surgery (loan you money) if they feel you are financially stable enough to repay your loan. They do not want to loan money if they feel you will not repay them.

2. Consider applying with a co-applicant (loan co-signer)
A co-applicant with good credit can greatly increase your chances of obtaining surgery financing. The companies will often advise our office: A good co-applicant will increase the chances of a loan approval for this patient, allowing them to finance their procedure!

3. What to do if your application is rejected?
If your application is rejected you can reapply with a co-applicant or another co-applicant with better credit.

4. Funding amounts
You may receive full or partial funding for surgery. The better your credit or the better the credit of your co-applicant then the more funding you can expect.

5. United Medical Credit Patient Direct Loan Program
Consider applying for United Medical Credit’s Patient Direct Loan Program. If you are approved then the loan is deposited directly into your bank account before surgery and you can pay our office as if you were paying directly for your reversal surgery. You can also use this money to pay for any surgery related expenses.

257 thoughts on “Financing Reversal Surgery”

  1. Samantha says:

    I had a tubal ligation 7 years ago. When i had it done i had them “cut tied and burnt”. I was in a bad marriage at the time and now i have an amazing relationship. My SO wants children of his own. I do have two children on my own. What are my chances?

    1. Dr. Monteith says:

      Samantha
      We should be able to help you. In general about 2 out of every 3 patients become pregnant after tubal reversal surgery at our center.

      We charge $6400 total plus $125 to schedule and we are located in Raleigh, North Carolina. Patients pay in full and out-of-pocket at the time of scheduling. All you have to pay for in addition to the surgical fee is the cost of travel, hotel, and food.

      On average the chance of pregnancy after tubal ligation reversal is about 60%.

      We do have a prepayment tubal reversal plan that allows you to save towards your reversal over a 3 year period.

      Although $6,400 seems expensive…the alternative treatment in-vitro fertilization (IVF) average $12,000 to $14,000 and is about 40% successful!

      The main advantage to tubal reversal is that every month you have a chance and you can become pregnant more than once.

      The following link will answer most of your questions about reversal. This is the MOST HELPFUL INFORMATION to read when considering reversal at our office. Each question has a link to more information about the question: Frequently asked questions about tubal reversal

      Call us at (919) 977-5050 8am to 5pm eastern standard time and we would be happy to speak with you about tubal reversal at our facility.

  2. Anonymous says:

    My husband and I are wanting to become pregnant. I have the Essure on my left tube only and the right tube was burnt due to the Essure device not taking on that tube at the time of the procedure. It has been 5 years since I had this done and I am seeing two different prices for each procedure. In my case where I have both what kind of pricing would I be looking at?

    1. Dr. Monteith says:

      We should be able to help you. You would need Essure removed on the left and left tubouterine implantation and right tubal reversal. Since removing Essure is more involved you would pay the Essure reversal fee of $7,500. Your chances of pregnancy may be higher if we are able to repair the right tube with a tubotubal anastomosis (tubal reversal). We would recommend a c-section after reversing Essure.

      If you would prefer not to have a c-section then we could not reverse the Essure and only reverse the tubal ligation. If we did this then we would only repair one side and charge you the standard reversal fee of $6,400. I would not recommend this because we want to maximize the chance of pregnancy and we dont know what the residual Essure device would do to any future pregnancy.

      We specialize in Essure reversal and Essure removal. Most of our patients travel to us from out of state. You will not find an Essure reversal specialist in or near your hometown.

      We can reverse Essure and give you the chance of pregnancy….or we can remove Essure and leave your tubes closed. The chance of pregnancy after Essure reversal is about 40%.

      More information: Essure reversal testimonials

      The cost is the same $7,500. We are located in Raleigh, North Carolina.

      No other clinic or doctor has the experience we do. The chance of pregnancy after Essure reversal is about 40%. If you are having symptoms that started soon after Essure most patients report improvement after removal of the devices. We do have a surgery prepayment plan.

      More information: Successful Essure reversal with Dr Monteith

      We charge a total of $7,500 for Essure reversal/removal plus $125 to schedule surgery. If you use our prepayment plan then you can contribute any amount as you are able but you must have the surgery paid for by three years. We do work with two financing companies and we do have a prepayment plan.

      The following link will answer most of your questions about reversal. This is the MOST HELPFUL INFORMATION to read when considering reversal at our office. Each question has a link to more information about the question: Frequently asked questions about tubal reversal

      Call us at (919) 977-5050 8am to 5pm eastern standard time and we would be happy to speak with you about surgery at our center.

  3. Anonymous says:

    I had my tubes burnt about 14yrs ago but I don’t remember where because I was so young but now I’m married & my husband wants another child…Is there still hope for us?

    1. Dr. Monteith says:

      There is still hope for you.

      Reversing burned tubes (also called tubal cauterization or tubal coagulation) can provide a good chance of success. The chance of pregnancy after reversal of burned tubes can be as high as 60% to 80%.

      You can see our burned tube reversal testimonials here: Testimonials of Successful Reversal of Burned Tubes

      We charge $6400 total plus $125 to schedule and we are located in Raleigh, North Carolina. Patients pay in full and out-of-pocket at the time of scheduling. All you have to pay for in addition to the surgical fee is the cost of travel, hotel, and food.

      We do have a prepayment tubal reversal plan that allows you to save towards your reversal over a 3 year period.

      Although $6,400 seems expensive…the alternative treatment in-vitro fertilization (IVF) average $12,000 to $14,000 and is about 40% successful!

      The main advantage to tubal reversal is that every month you have a chance and you can become pregnant more than once.

      The following link will answer most of your questions about reversal. This is the MOST HELPFUL INFORMATION to read when considering reversal at our office. Each question has a link to more information about the question: Frequently asked questions about tubal reversal

      Call us at (919) 977-5050 8am to 5pm eastern standard time and we would be happy to speak with you.

  4. Sherri says:

    I have clamps and have had them for 13yrs now and am wondering what are my chances of having them reversed and having another child. I am 35 and want one more child. I also have 6,000 saved up, have been saving to have it done. What are my percentages

    1. Dr. Monteith says:

      Sherri
      Tubal clips (or clamps) are great for reversing. The chance of pregnancy success could be as high as 80%. We charge $6400 total plus $125 to schedule and we are located in Raleigh, North Carolina. Insurance will not pay for tubal reversal surgery.

      You should send us your tubal ligation records for a free review.

      Patients pay in full and out-of-pocket at the time of scheduling. All you have to pay for in addition to the surgical fee is the cost of travel, hotel, and food. Patients stay in Raleigh a total of 2 nights and 3 days. The consultation is the first day, surgery the second day, and postoperative visit is the third day.

      We do have a prepayment tubal reversal plan that allows you to save towards your reversal over a 3 year period.

      Although $6,400 seems expensive…the alternative treatment in-vitro fertilization (IVF) average $12,000 to $14,000 and is about 40% successful!

      The main advantage to tubal reversal is that every month you have a chance and you can become pregnant more than once. On average, about 2 out of every 3 women become pregnant with tubal reversal surgery.

      The following link will answer most of your questions about reversal. This is the MOST HELPFUL INFORMATION to read when considering reversal at our office. Each question has a link to more information about the question: Frequently asked questions about tubal reversal

      Call us at (919) 977-5050 8am to 5pm eastern standard time and we would be happy to speak with you about reversal surgery at our center.

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