Although in theory getting your tubes untied sounds like a simple and straightforward procedure, there are many variables that a layman can’t account for. As a matter of fact, only a limited number of surgeons actually specialize in this form of fertility restoration. During your consultation with your surgeon, you will be informed about some of the factors that come into play when discussing the tubal reversal success rate. The age of the patient, the length of the intact tubes and the degree of scar tissue all offer a glimpse of the complexity of restoring the female reproductive system to a fully functional state. As you might imagine, all these intricacies are reflected in the final tubal reversal cost.
The average cost of tubal reversal surgery starts at $5000 and can tread into the $10,000. The cost differs according to the technique used by the surgeon, the length of stay inside the hospital, as well as some geographical factors. It’s not unusual for prospective patients to want to do some bargain hunting. This is fine, but remember this is a surgical procedure we’re talking about not a stuffed animal. Any doctor that charges far below the $5,000 should be considered with caution and his/her credentials and experience should be verified.
If we were to impart one important piece of advice, it’d be to see how you can save on the financing aspect of the procedure as opposed to price comparing doctors. See how a tubal reversal loan obtained from your bank compares to that offered by your doctor. You may end up saving a substantial amount of money with a lower interest rate. Some lenders even offer 0% interest if the principal is repaid within a year. Your surgeon’s office may even offer a discount if you are able to repay your entire balance off within a certain period of time after your procedure.
You will find yourself stuck in the water if you attempt to apply for a tubal reversal loan without any sort of credit history. If your spouse or a family member with a sound history agrees to cosign the loan for you, then you will overcome this hurdle. There is a dual benefit to this. For one, you will get the money you need for the surgery and at the same time this will help establish your credit. If you decide not to pay the amount per the agreement, then the lender will come after the other party in which case their credit could be ruined. This is why this type of arrangement should be reserved for instances where the borrowing party fully intends on paying back everything.
As you should now see, there are many ways you can pay to get your tubes untied. Using your arsenal of knowledge, you should now be able to pick out the best tubal reversal loan and get going with your procedure. There are always Christian organizations and other non-profit groups willing to help you if money is extremely difficult to come by. They have different selection criteria and often require that you are put on a waiting list. Nevertheless, it’s worth trying.