Now that you have decided you want your tubal ligation reversal surgery as the means to having a baby, you have to figure out how to pay for it. Seeking financial assistance for tubal reversal and finding out if you qualify is usually the first thing you try to do.
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Finding some financial assistance will usually start with looking at your own health insurance to see if it will cover some or even all of the costs, if you are lucky. This can take some looking on your part. That will start with looking through your insurance policy at surgical procedures and the testing required before surgery to see what exclusions are made.
Unfortunately, many insurance companies consider tubal ligation reversal to be elective surgery. Whereas the original surgery may have been covered, to undo it is considered something you are simply choosing to do for non-medical reasons. That makes it a procedure they don't want to cover.
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Once you have looked through your health insurance company's policy, you may luck out and discover that certain aspects of the procedure will be covered. Such things as the tests carried out prior to the surgery and the anesthesia during the surgery might just be covered.
Perhaps the best thing to do, after looking at the policy, just to be sure, is to call the office of the surgeon you want to do the procedure and get all the procedural and diagnostic codes. Find out from your insurance company how they want these delivered and, from these, they should be able to tell you just what is covered and what is not.
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Finding out you are fortunate enough to have an insurance that might cover this tubal ligation reversal surgery is good. Keep in mind that there may still be other factors that weigh in on whether you will get coverage or not.
Some insurance companies will need to know whether the operation will be carried out in the state where you live or not. Also some companies will need to know that the operation is able to meet with certain legal requirements and if they do you may well find that some types of fertility procedures are covered under this, but it does not mean that tubal reversal will.
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Unfortunately, even after you go through all the hoops above and finally discover that your insurance company will provide the financial assistance for tubal reversal, you could find that they will not pay up front. They will want you to have the procedure and the follow ups as required by the surgeon and only then will they pay. To cover himself, the doctor will probably want written confirmation before he proceeds and it would be a good idea for you as well, just in case the insurance company decides to change policy during your process.
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