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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
  • My Medical Funding
  • United Medical Credit

***Use the links towards the bottom of this page to apply directly to the companies for financing.***

We have selected these three 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

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!


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.

The Advance Care card is a financing tool; however, the card is treated as a credit card. If you qualify for the Advance Care card and pay for your surgery at the time of scheduling then you can obtain the cash discounted price and avoid the higher surgery financing price. Credit card charge fees will apply.

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!

Important Points About UMC’s Patient Direct Loan Program

*If you qualify for United Medical Credit’s Patient Direct Loan Program and pay for your surgery in full at the time of scheduling then you can obtain the cash discounted price and avoid the higher surgery financing price.

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

*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:


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


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.

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


Anna Reply

I only have one of my ovaries and 1 fallopian tube. It’s been 6 years since my ligation and 4 years since I had a cyst removed and the 1 ovarie/tube. I’m 39 years old. Is it worth it at my age with only 1/2 the egg production?

    Dr. Monteith Reply

    We have many patients who have reversal of one tube who become pregnant after tubal reversal. For more information: Testimonials after reversal of one tube

    Even with one tube reversed you have a good chance of becoming pregnant…and your chance is really good if you have one tube and one ovary that is on the same side as the one remaining tube.

    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.

    If you want to understand our surgery process then watch this video: Reversal surgery with Dr Monteith: The Process

    It will be very important to make sure you follow up with your doctor regarding any early pregnancy. One of the main risks of reversal is tubal (ectopic) pregnancy. If caught early they can treat an ectopic pregnancy with methotrexate medication. If caught late they may have to remove your tube. If you only have one tube and it gets removed then you can only have IVF (in-vitro fertilization).

    If you send us your tubal ligation records we can review them free of charge. We charge $6,900 total plus $150 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 $6,900 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.

    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.

Devan baker Reply

Can you do a reversal on someone with chronns disease

    Dr. Monteith Reply

    We commonly have patients with Crohn’s disease. It is not a problem for tubal reversal surgery.

Anonymous Reply

I am 41 and had a tubal ligation almost 12 years ago. The hospital is unable to locate my records and the OB retired. I have two children, age 16 and 12. I have remarried and he has no children. What would be my best success rate??

    Dr. Monteith Reply

    Tubal reversal 60% chance of success. IVF 30% chance each attempt.

    Age matters so don’t delay…each year you wait you lose 12 chances and each year the chances become less.

    We can reverse most tubal ligations….even if you have no records!

    Many patients will come to us without records because they know we can repair most tubal ligation procedures…well over 90% of the time.

    You should try to get your tubal ligation operative and pathology reports by going to the medical records department in the hospital where your tubal ligation was performed.

    You should be able to request a copy of your tubal ligation operative report and a copy of the pathology report (a pathology report is only created when a segment of the tube is removed (typical with tubal ligations that involve tying and cutting the tubes). We can review these records free of charge.

    You can personally request your record from the hospital where your tubal ligation was done using our Medical Records Release/Request form: Medical Records Release Form

    You dont have to have your records to have tubal reversal at our center. You should consider our optional screening laparoscopy if you cannot get your tubal ligation records. Many patients come to us for reversal without records because they know we can repair most tubal ligations.

    We charge $6,900 for tubal reversal surgery. Many women may not be able to obtain their records…some will have surgery because they know we can repair most tubal ligations. Others will add on a screening laparoscopy.

    If you choose to have a screening laparoscopy we can look with a camera during the surgery and see if your tubes are repairable. If your tubes are not repairable or 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.

    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

Have a Question? Drop Us A Line!

If you are considering reversal surgery and have questions about the procedure, fill in the form below and we'll get back to you as soon as we can! If you would like to speak with a nurse for a Free Consultation then feel free to call us at (919) 977-5050.

Please view our most frequently asked questions before sending your questions.

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