Tubal Ligation Reversal by Dr. Levin

Payment Options:

Payments can be made by cash, cashier’s check, money order, bank wire transfer or credit card but not a personal check. Many patients have asked for our help in finding ways to pay for elective work such as non-covered tubal ligation reversals or infertility services. Listed below are some of the ways previous patients have afforded such services along with some new options. As we do not endorse any specific method of payment, you are free to choose any one of the options below or to even combine one or more of them. Please read the options and let us know if you have any questions.

Cash or Check: Complete payment must be made at the time surgery is scheduled. As our office guarantees payment to the hospital, anesthesiologist, etc., we must have the complete payment before we can lock in everyone’s schedule for that date and time. By paying by cash, cashier’s check or money order, you are able to pay the least amount for the procedure avoiding any interest or carrying charges.

VISA or Mastercard: Using your credit card for this service works just the same as going to the store and buying any other product. You can pay the minimum monthly amount each month on your card or pay it off whenever you wish. With this method you can have surgery as soon as our schedule allows. We can only take a credit card on the patients name or her husband so please do not present any other card. The reason for this policy has to do with credit card fraud issues.

Bank Loan: If you have good credit rating, you should be able to qualify for a personal loan from a bank. You should go to the bank where you have your checking and savings account and apply for a personal loan. Usually a local bank will charge of lower interest rate for such a loan if you qualify. If you do not qualify for the loan, you should ask them whether a co-signer would help you secure the loan and then see if you have a relative, friend or co-worker who would assist you with this loan.

24 Month Prepayment: Click here to print out prepayment contract With this plan, anyone can have a reversal done. . . anyone! You can make prepayments for up to 24 months just like in a lay-away program. We will hold the package price stable for up to two years without passing on any normal price increases. There are no hidden carrying charges or interest. You pay the same amount as if you were paying the full amount in cash all at once but the surgery will not be scheduled until the complete payments are made. This plan is excellent for those who don’t have enough money to pay all at once or for those who don't qualify for a loan. NO interest, NO carrying charges, NO nothing; anyone can do this! So don’t just wish you could have a baby, take control and make it happen. Don’t wait for a year or two thinking something is going to magically fall from the sky. Start making payments now and before you know it, it will be time to start trying for that new baby!

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MedChoice Offers: credit limits from $500 to $30,000, low monthly payments, no pre-payment penalties, no annual fees, no payments for the first 90 days (6 and 12 month NO payment options available). To maximize ALL approval options for you reversal treatment please complete the following steps: Call 800-358-8980 (Option 1), identify Provider ID 3814, and receive an answer within minutes.

Home Equity Loan: If you own a house or even if you are still making payments on your house, you may have enough equity in the house to borrow against it for your reversal. The advantage of a home equity loan is that any interest payments made during the term of the loan are tax deductible to you. You should check in your local area for a mortgage company or bank to see if you qualify for this type of loan.

FLEX (Flexible Spending Account): Many people have a Flexible Spending Account established for them at their job. This is usually $3,000 which is earmarked for health care spending each year. With this type of program, if the funds are not used for the current year, the money reverts back to the company. It’s possible to obtain $6,000 between a two year interval if your company has this and if you are close to the end of your corporate year you may be able to get the $6,000 within one month or so. You should speak with someone at your job (Human Resources for those in large companies) and find out if this is available at your job. We have always been able to access these funds when available, so e-mail me at infertility@babies-by-levin.com when you have the information from your company.