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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

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

If you started a Reversal Prepayment Account before April 1st 2019 and have locked in your surgery fee at a lower rate….you will not be charged the higher financed surgery fee but you will be required to pay the $500 finance administration fee.

Have Questions? We’re Happy To Help!

We provide a unique surgical experience with personalized attention and one-on-one care. We make every effort to make your surgery less of a process and more of a life’s experience. Please use the buttons below for answers to our frequently asked questions.

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.

Get Your Free Consultation Today

Looking to get pregnant or repair blocked tubes? Considering a vasectomy reversal? Take the first step.
Get personalized attention and evaluations for free.

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.

Meet Dr. Monteith

As a surgeon my reputation & integrity are extremely important to me. I’ve been providing new choices & new beginnings since 2008. I’ve had the distinct privilege of being the first surgeon in the world to report successful pregnancy within the peer reviewed medical literature after reversal of transcervical hysteroscopic tubal sterilization. Permanent is not forever at my practice! HAVE QUESTIONS?

What Our Patients Are Saying

“We had our surgery on 3/18/15 and on 02/02/16 our 7 pound 11 oz baby girl was born! I’m 34 years old and had tubal ligation done via clamps 8 years prior so this surgery really does work! 8 years later I had the reversal and 9 years later we were blessed with our little girl! So many doctors tried to talk us out of it-wanted us to do IVF to get our money-however praise God we went with this because it does WORK! Dr M is amazing and his staff! The area is beautiful where his office is, and if you do this procedure it will be the best money you ever spend!”

– Charlee-Belle M., Surgery

“From the very first phone call, the staff at A Personal Choice has been amazing! They have answered our numerous questions, concerns and have been amazing. They never give you false hope, but give you the complete story. I am so happy that we chose Dr. Monteith and his staff to make our dreams a reality. Can’t wait to start trying to have a baby. I would and have recommended Dr. Monteith to ANYONE wanting a tubal ligation or vasectomy reversal. Thank you all so much for giving us this chance!”

– Angela W., Essure Reversal

“Excellent service overall! Each stage of the process was carefully explained in great detail: how the procedure works, what to expect during the procedure, what to expect after, possible side effects. Dr. Monteith himself is very knowledgeable and experienced and quite personable too. He has a great sense of humor and uses it generously to put patients at ease. I highly recommend him and his staff to anyone considering either a vasectomy or a vasectomy reversal.”

Chris B., Vasectomy Reversal

“The perfect little angel that I’m holding in my arms right now is the best testament to what Dr. Monteith and his staff do for people. We could not be happier with our decision to use Dr. Monteith. His staff are just amazing. Our entire experience was just a dream! Thank you, from the bottom of our hearts, thank you!”

Jamie B., Reversal of Cut & Tied Tubes

GET IN TOUCH WITH US

Ask The Doctor

Your questions about reversal surgery will be answered directly and promptly by Dr. Monteith. Please read our most frequently asked questions before submitting your questions. Dr. Monteith will not respond to general medical questions or if you are a patient of another doctor and are contacting him because your doctor is unavailable.* If you have been a patient at our reversal center and have specific questions about your medical care you should contact the reversal staff directly at (919) 977-5050.

  • This field is for validation purposes and should be left unchanged.

Have Questions? Leave a comment here or visit our contact page.

371 Comments

Dolores Reply

If my fiancee gets approved for the care credit..can he use it to pay for my tubal reversal?


    Dr. Monteith Reply

    Dolores
    We do not accept CareCredit.

    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 $6,900 total for tubal ligation reversal and $7,900 for Essure reversal plus $150 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 $6,900 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

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


Christina Reply

So you no longer accept care credit? I already have a card and have been approved. I tried to apply for the others you have listed and have been denied for them, probably because I already got the care credit


Angie Kazee Reply

Any chance that your office will start doing payment plans?


    Dr. Monteith Reply

    We have a prepayment plan and we work with two financing companies. We will never offer surgery and let patients pay after….because many will stop paying. Why would we want to to that to ourselves?

    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.


Sandy Reply

I want to do a reversal. Do you take Care Credit? I see in a post above that was a reply that you do take it. Just want to make sure. Here is the post i copied from above.
Yadira says:
October 23, 2017 at 5:53 pm
How do I do the prepayment plan??

REPLY
Dr. Monteith says:
October 23, 2017 at 8:21 pm
Yadira
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 with either CareCredit or United Medical Credit.


    Dr. Monteith Reply

    Sandy
    We stopped taking CareCredit last year because we dont like their business practices. We do have financing with the Advance Care card and United Medical. Advance Care is better because they offer up to 14 months of no interest….

    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.


Patricia Reply

Do you take credit cards to pay for essure removal?


    Dr. Monteith Reply

    Patricia
    We do take credit cards for Essure removal surgery.

    We specialize in Essure reversal and Essure removal surgery. 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 for the Essure reversal procedure and the Essure removal procedure is the same… $7,500. We are located in Raleigh, North Carolina.

    Please be aware that starting April 1st 2019 the fee for Essure reversal surgery will increase to $7,900 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.

    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 tubal reversal at our facility.