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Financing Reversal Surgery

Financing Reversal Surgery

A Personal Choice has partnered with leaders in the industry of surgery financing. The financing companies below are accepted by our office:

  • Advance Care Card and My Medical Funding
  • United Medical Credit
  • CareCredit (starting April 1st 2019)

We have selected these two companies as the best companies to work with when financing tubal ligation reversal, vasectomy reversal, Essure removal, and Essure reversal surgery.

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

How to obtain financing for reversal surgery?

You need to apply to the financing company directly before you schedule surgery.

Once the company approves your application you can schedule surgery with our office.

  • The Advance Care financing company will provide you with a card, similar to a credit card, that can be charged at the time of scheduling surgery.
  • United Medical will notify our office of your approved amount before you schedule.

Two of the more unique plans are the My Medical Funding Patient Direct Loan and United Medical Credit Patient Direct Loan. If you are approved the company will send you the money directly and you can then use this money to pay our office for surgery or travel related expenses.

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.

Financing surgery can be a great way to have surgery now…but pay for 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 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 My Medical Funding Direct Patient Loan or the 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. See below for more details.

*Starting April 1st 2019, surgeries scheduled after April 1st 2019 will not require the $500 administration fee.  

Advance Care Card

The Advance Care Card is a great way to get surgery now and pay later. The application is simple and you can schedule surgery as soon as you are approved and receive your card.

Approved applicants may receive up to 14 months of interest free financing at very competitive interest rates. The Advance Care card offers borrower’s a better advantage than CareCredit because borrowers can obtain up to 14 months of interest fee financing. CareCredit card holders must pay accrued interest during their no payment period!

reversal-surgery-financing-with-advance-care

Click here to apply for Advance Care card

Apply for Advance Care Card Here!

With the Advance Care Card credit lines up to $25,000 are available with interest free periods of up to 14 months. Once approved, you will receive your Advance Care Card within 72 to 96 hours by priority mail and you can then schedule reversal surgery.

Ideal applicants are applicants with credit scores above 640; however, the company does have financing opportunities for applicants with credit scores less than 640.

Helpful Points When Applying For Advance Care

Before you apply for Advance Care you should be aware of the following important points:

  • You must be at least 18 years of age
  • You cannot have declared bankruptcy within the last 5 years
  • You cannot have been referred to collections within the last 12 months
  • Your minimum total household income must be at least $1,500 a month

In general your credit score determines the interest free period you will be offered:

  • Credit score of 650 or higher… up to 14 months of interest free financing!
  • Credit score 620 to 650…. up to 6 months of interest free financing!
  • Credit score of 500 to 620… no interest free financing offered.

After you qualify for the Advance Care card, the company will mail you a card that looks just like a credit card. The Advance Care card functions like a credit card when being used to pay for surgery.

To access the financed money on the Advance Care Card, the card needs to be swiped on a credit card processing terminal and because of this the card holder will be charged a 3% processing fee when the card is used at A Personal Choice.

Although the Advance Care Card functions like a credit card, the card can only be used for services obtained by approved providers and cannot be used for non-medical expenses (ie gas, hotel, or food).

My Medical Funding: Offering Direct Patient Loans

If you have a low credit score or if you would like a direct patient loan then you can apply for a direct patient loan from the My Medical Funding Company using this link:

Credit Score Less Than 640? Apply to My Medical Funding

My Medical Funding is a direct loan program sponsored by the Advance Care company. They specialize in direct patient loans and will even loan money to those with lower credit scores. For some reversal patients this may be very appealing because the money will be sent directly to your bank account… you can use this money to obtain the lower cash discounted fee or use the money for travel related expenses.

United Medical Credit

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 financing and loan options:
(1) UMC Provider Direct Financing
(2) UMC Patient Direct Loan

1. UMC Provider Direct Financing

UMC Provider Direct financing is a traditional surgery financing program.

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

2. UMC Patient Direct Loan

United Medical Credit’s Patient Direct Program is a personal loan program.

If you are approved for United Medical Credit’s Patient Direct Program, then United Medical will send monies from your approved loan directly into your personal account.

UMC’s Patient Direct Program offers much more flexibility because money is deposited into the patient’s account before surgery is completed! 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 United Medical Credit’s Patient Direct Program* and pay for your surgery in full at the time of scheduling then A Personal Choice will waive the $500 financing fee.

Important Points About UMC’s Patient Direct Loan Program

*Excellent credit is required to qualify for the Patient Direct Program. Not all applicants will qualify.

* The surgery fee will only be waived if you qualify for a Patient Direct Loan and the surgery is paid in full at time of scheduling.

*The Patient Direct program is currently NOT Available for applicants residing in Colorado, Connecticut, Iowa, Maine, Maryland, New York, North Dakota, Pennsylvania, Rhode Island, Vermont and West Virginia.

How to apply for UMC Financing for reversal surgery?

Apply now for UMC financing by clicking on the United Medical Credit logo on this page or using this link:

tubal-reversal-financing-United-Medical-credit

Click here to apply for UMC Credit for Dr. Monteith’s office

Apply for United Medical Credit Patient Direct Loan or Provider Direct financing

With the best financing reversal company working with A Personal Choice it has never been easier to finance tubal reversal surgery or finance vasectomy reversal surgery.

United Medical has also partnered with A Personal Choice to offer patients financing for Essure reversal and Essure removal surgery.

CareCredit: Coming Soon!

We currently do not take CareCredit…but we anticipate being able to accept CareCredit for payment for all surgeries scheduled after April 1st 2019.

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. Patient Direct Loan Programs
Consider applying for the My Medical Funding Patient Direct Loan or United Medical Credit’s Patient Direct Loan. 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.

319 thoughts on “Financing Reversal Surgery”

  1. Tiffany says:

    Hi My Name is Tiffany I had an ectopic pregnancy in both my tubes and they both erupted however I still have my tubes there is a small opening in both tubes and I still have my ovaries ,I want to have more children is there anything that can be done please let me know My husband don’t have children And I would love to give him at least one this has affected my life for years please help me

    1. Dr. Monteith says:

      Tiffany
      IVF would be a better choice to get pregnant rather than tubal surgery. You should see and IVF expert in your area.

  2. Anonymous says:

    My name is Melissa I am 37 and have 5 kids which my kids are all grown up had 5 C-sect and got my tubs cut and burn 9 years ago my husband and I would like more info if I can put my tubs again together and have one more baby I had no issue during pregnancy all I have is fibroids but it under control with Birth control if any can call or email me back

    1. Dr. Monteith says:

      We should be able to reverse your tubes. You should consider our screening laparoscopy because of your history of c-sections and the possibility of scar tissue.

      We charge $6,400 for tubal reversal surgery. You should send us your records from your tubal ligation for a free review. Sometimes patients cannot get their records. Even if you cannot obtain your records we would perform tubal reversal for you because we can reverse most tubal ligations most of the time.

      Please be aware starting April 1st 2019 the cost for tubal reversal surgery will increase to $6,900. The scheduling fee will increase from $125 to $150.

      Tubal reversal can be 60% to 70% effective. The other treatment to become pregnant is In-vitro Fertilization (IVF) and this treatment cost averages $14,000 and is about 40% effective for each try.

      Tubal reversal is possible when you have a history of multiple c-sections. We have many patients who have successful reversal and pregnancy with a history of c-sections. The biggest concern with multiple (3 or more) c-sections is the possibility of severe scar tissue. If severe scar tissue exists then reversal may not be possible.

      We estimate that about 1 out of 12 women with 3 or more c-sections will have severe scar tissue that can make tubal reversal more challenging and in some cases not possible. For these patients we offer a screening laparoscopy. You can consider this similar to a surgery insurance policy.

      The laparoscopy costs an additional $1,500. The screening laparoscopy fee will increase from $1,500 to $1,750.

      If you choose to have a screening laparoscopy we can look with a camera during the surgery and see if you have severe scar tissue. If you have severe scar tissue we can often make a different incision…so this can increase the success of your procedure. If your tubes are not repairable or the scar tissue is too severe then we would offer you a refund of your surgical fee.

      For more information: Screening laparoscopy and surgery refund

      For more information: Screening laparoscopy and scar tissue

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

      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

  3. L says:

    I would like to speak with a doctor about why i didnt want the surgery and the abuse i went through and how he can help me start a family.

    1. Dr. Monteith says:

      We can reverse most tubal ligation procedures.

      You should send us your tubal ligation reports for a free review and we can let you know if you are a candidate for reversal surgery. Your reports can be obtained from the medical records department where your tubal ligation surgery was performed.

      We charge $6400 total plus $125 to schedule and we are located in Raleigh, North Carolina.

      Please be aware that starting April 1st 2019 the fee for reversal surgery will increase to $6,900 and the scheduling fee will increase to $150. If you want to avoid the higher fees then you should schedule your surgery before April 1st or start a Reversal Prepayment Account.

      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% if you are under age 42.

      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.

  4. Deanna rose says:

    Just trying to find out about financing reversal or possibly a half of a loan

    1. Dr. Monteith says:

      Deanna
      We have two flexible payment options for you if you dont want to pay in full for surgery: (1) start a prepayment plan with us or (2) finance your reversal surgery.

      Prepayment plan. We do have a prepayment plan that allows you to save towards your surgery. You need to start it with at least $500 and you can contribute any amount over the next 3 years. When you have saved the full amount then you can have your surgery. You can have the surgery anytime within 3 years of starting your plan.

      If you dont have your surgery by the end of the third you you are refunded all of your money less $500. Surgery discounts, when available, are offered to prepayment account members only.

      For more information: Tubal Reversal Prepayment Plan

      Financing reversal surgery. We work with two companies who will help you finance surgery. You would apply for financing directly with United Medical Credit. The link to their company and the application for financing is on our website.

      For more information: Financing Reversal Surgery

      We charge $6400 total for tubal ligation reversal and $7500 for Essure reversal 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!

      Please be aware that starting April 1st 2019 the fee for reversal surgery will increase to $6,900 and the scheduling fee will increase to $150. If you want to avoid the higher fees then you should schedule your surgery before April 1st or start a Reversal Prepayment Account.

      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

      If you have any questions call our office at (919)977-5050.

  5. Lisa Fils-aime says:

    i would like to know when i would be approved. So i can get this done as soon as possible. Thank you!!

    1. Dr. Monteith says:

      If you are talking about financing you would apply to the financing company through our website. They would let you know with 24 to 48 hours.

      You should first talk with our nurses and send us copies of your tubal ligation operative report so we can make sure you are a candidate for reversal surgery.

      Call us at (919)977-5050 if you have any questions.

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