Tubal Ligation Reversal – Will Insurance Pay?

The decision of whether or not to have a tubal ligation surgery is very personal. Tubal ligation surgeries are performed for a variety of reasons, but typically as a birth control method. Tubal ligation surgeries consist of a woman’s fallopian tubes are cut or tied in order to prevent the release of eggs from the ovaries. In order for a tubal ligation surgery to be reversed, there are many factors that must be weighed out. One of the biggest deciding factors after a woman’s overall health and reasoning will be cost. Will the woman have to pay out of pocket for the entire surgery, or will her insurance company cover this procedure in part or in full?

Insurance companies are under no legal mandate to cover the cost of tubal reversal surgery. The choice to cover this procedure is usually left up to the individual insurance company. The average cost of a tubal ligation surgery can be as low as $5,000 or may cost as much as $9,000. Some insurance companies may have special provisions for reproductive health care. Other companies may cover tubal reversal surgery just as they would cover any other operative procedure. Other companies may not cover the cost of tubal reversal surgery, especially if it is an elective procedure.

While some insurance companies may cover the cost of a tubal reversal surgery, the patient may need to seek out a doctor who will accept insurance payments for the procedure. Surgeons may choose not to accept insurance payments and wish to deal only with patients who can pay in cash, whether it be an up front payment or whether payment arrangements are made.

Cost options and insurance coverage are just one of the many things that each woman should consider before deciding to turn back the clock.

Read more about tubal reversal loans and whether or not you need a tubal reversal cosigner.