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| Funding for Tubal Reversal - How to Get the Money |
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| Written by Sandra Wilson |
| Thursday, 24 July 2008 16:33 |
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Many, many women regret their tubal ligation each year for one reason or another. Once they have decided upon having a reversal surgery done, finding funding for tubal reversal becomes the biggest part of their lives as well as picking the best doctor to do the surgery. As these reversal can be quite costly, there usually is no other option but to seek out ways to scratch up the fees. As most women will not have the full amount required for the surgery in their bank account, this means coming up with another way to get the money for the doctor's fees, testing and whatever else is needed to carry out the procedure. Below we have included several different methods for finding the funding for tubal reversal. First is the good old saving for a rainy day. You simply begin to put the extra money you have every month aside in a savings account. I would go so far as to even suggest a savings account just for the purpose of saving for this procedure. If you mix it up into your regular savings account, you just might "accidentally" spend in on whatever comes up. If you don't have extra or think you don't, then it's time to look into the various budget cutting and controlling methods that abound on the web. Do you really need cable TV or that extra latte every day? A variation or addition to the first method is to get a job. This could be a second job if you work now or a regular job if you don't work now. Take as much of this as you possibly can and add it to your savings. If you are making ends meet now without it, then you should be able to put most of it away into your special fund. The next method of funding for tubal reversal is a payment plan. This will be set up with your surgeon, or more precisely his office. You will have to find out if this is available to you from your surgeon. If you choose world renown Dr. Gary S. Berger to do your surgery, you will find that this option is available. Simply contact his office to get further details on how this will work. One way to get a big chunk of money to add to your fund is to use your income tax refund. If you depend upon this alone, you could find it takes a few years to save up the money you need and things have a way of happening to make the money disappear. That's where something like the payment plan mentioned last paragraph comes in handy. Send in the tax refund and it's out of your hands and not so easy to spend. Many people will think about insurance paying for the procedure as their first thought when looking at funding for tubal reversal. Some insurance companies will cover the surgery as part of their plan. However, if someone at your insurance carrier says they will, get it in writing. You may find that one person at the company says, "Yes", and then the next will say, "No." There are too many cases of a woman going in for the surgery thinking it was covered only to find out after wards that the insurance would pay nothing. Get it in writing! While still talking about health insurance there are two ways that you just might, that it's just possible, you can get them to provide the funding for tubal reversal. If you suffer from post tubal ligation syndrome and you can get your primary doctor on board, he/she could state in writing for your insurance company that you need your tubes repaired. Not that you need a tubal reversal but that you need your tubes repaired. The second way you might get some money returned to you is if your insurance has a health expenses cap and you go over it with the surgery. Lacking health insurance to pay for the tubal ligation reversal, you might be lucky enough to have a flexible spending account for health at your or your husband's employment. Some of these will allow you to take out the full amount in advance. You'll just have to see what the particulars are during your enrollment season. As the amount you pay into the flex spending account is pulled from the paycheck before you ever see it, you most likely won't even notice it. Yet one other source of funding for tubal reversal is your, or your husband's, IRA or 401(k). Penalties will have to be paid for early withdrawal and you are robbing your retirement as well. But it is one more method that you can consider. Of course, no talk of financing would be complete without addressing using credit cards. Unlike most of what we discussed above, this one will put you into debt. You will have to decide if it is good debt or bad debt. If your physician won't accept your credit card, you could try taking out a cash advance. Some credit cards will even give you checks you can write out just like a normal check but the amount you write it out for will be added to your credit card balance. Check and see what interest rates you will be paying for these checks or a cash advance. I hope these ideas above will give you some food for thought to decide on your funding for tubal reversal. Discuss this with your husband or significant other to decide which will best fit your situation. Some are slow and some will get you there faster. Good luck. About the Author: Go to the funding for tubal reversal page to begin your special account or other financing at Dr. Berger's Chapel Hill Tubal Reversal Center. Find more at http://www.tubal-reversal.net about tubal reversal. Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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