Payments should only be made by cash, bank wire transfer, credit card or directly from a finance company. Any other payment method may delay scheduling your reversal for 60 days in order to avoid fraudulent payments.
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.
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.
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 in 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.
CareCredit is an amazing option for many women. This is not a loan but a credit card that can only be used for various medical and dental services. One of the benefits of this credit card is that once you qualify for it you can use it over and over again so long as you are meeting the terms of your payments just like any other credit card. Say you use the card for your tubal reversal and then pay off the charge, then you can use it to pay for another service such as some cosmetic or dental care. This has real potential for you to use for a long time. If you do not qualify, perhaps your parents could apply for this card and allow you to use the care with their permission. If that is the case, then the parent who has the card in their name will have to come with you to surgery to sign the papers at the time of surgery. I cannot stress enough that this option has made a huge difference for so many women.
Click here to make application with CareCredit We are only offering their 24, 36, 48, and 60 month plans at 14.9% repayment interest.
Once you are approved for the card and have your Care Credit card and know the card credit limit, contact us at firstname.lastname@example.org so we can charge your card for your reversal.
You can apply here for a loan through 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 reflects our lowest cost cash discounted price but if you make your payment through an online loan company you will be required to pay a non-discounted rate so that we can net out of the loan the required amount. You can avoid this increase in fee by making a loan through your personnal bank instead of an online company. If you would like to make a loan through one of these companies please click on each of the links just below!
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 cannot 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!
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 a 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.
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 email@example.com when you have the information from your company.
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!
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.