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: At least 50% of the reversal payment must be made at the time surgery is scheduled. As our office guarantees payment to the hospital, anesthesiologist, etc., we must have this 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.

Credit Card & Paypal: 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.
 
You can click on the link that follows to pay either the full amount of your reversal or half of the amount and get on the reversal schedule soon.
 

Online Loan Companies: You can apply here for a loan through four different online companies who may be willing to lend you the funds for your tubal reversal. The pricing for tubal reversals on most of this website is our lowest cost cash discounted price but if you make your payment through a commercial loan company you will be required to pay our non-discounted rate. If you would like to make a loan through one of these companies please click the dollar below!

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!

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.

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.

Student Loans (easy!):   Recently there was a posting on our support group talking about a woman who was able to procure money through a student loan for online education. There have been several other women who have made use of the same program. Please read the posting and see if this is something that may work for you.
 
“I just recently enrolled in University of Phoenix - online courses. My financial aid counselor helped me through the enrollment process, which was very easy. I took out a Stafford loan through this process and everyone is approved ( there are no credit checks because it is a government loan). The good news is that you get an education, the extra money is sent to you after your tuition is paid, and you don't have to pay anything back until you quit school ( up to 10 years). I have only started to pay for my tubal reversal 5 months ago and I will have it finished off with my next dispersment, which is in March. I receive money every 4 months and 1 week, my amount is now $3,000. I only take 2 classes at a time and I get to do my assignments whenever it is convenient for me. I know this was the only option for me. Good luck to you.”
 
http://www.phoenix.edu/admissions/admission_requirements.html

Federal Income Taxes:   A lot of patients pay for all or part of their reversal with their Federal Tax Refund. But there is something even better than that! If you itemized your deductions then you may be able to deduct the majority of the reversal when you file you taxes at the end of the year. As one of our patients posted on the support group: “my health insurance did not cover, but I was able to turn it in on my taxes and I got almost all of the money back. Woo Hoo!”
 
Ask your tax person, maybe you can be part of recovery plan for America!