Often we have heard that to avoid pregnancy, couples go through a procedure where tubes are tied together to prevent chances of getting pregnant. Then, if you need to conceive, there are tubal reversal surgeries where your lines are untied, and you can create again.
Insurance covering tubal reversal can help you get through these procedures and surgery without considering your finances. Insurance companies introduce several plans of health insurance that cover tubal ligation reversal.
Is There Insurance That Covers Tubal Reversal?
Women usually get their tubes tied after a certain age for several reasons, but then there arises a situation where they feel like getting them united. Now, this is not impossible, but it can cost a good amount of your savings. The Tubal ligation reversal surgery is emotionally, physically, and financially draining. However, there are ways to get insurance that covers tubal reversal surgeries.
There might also occur questions like: “Does blue cross blue shield cover tube reversal?” or “Does BCBS cover tubal reversal?” or “How to get insurance to pay for a tubal reversal?” All these queries have definite answers, and I am here to provide these answers to you.
- Everything you need to know about insurance companies covering tubal reversal surgery, tubal ligation reversal, or how to get insurance to cover tubal reversal is discussed here. Read along to learn about the benefits!
- But the catch is that it might be a little tough for the applicants to convince the insurance companies that cover tubal reversal surgery as the process of getting the tubes tied is a voluntary decision.
- The reversal of voluntary sterilization might make it hard to slide it under the rug of insurance claims. So there are two ways to get insurance to pay for tubal reversal.
One way is to contact insurance companies that cover tubal reversal surgery so that you can opt from their insurance plans. The other way is to apply for Medicaid. This is because Medicaid can be considered health insurance that covers tubal ligation reversal.
This also solves several people’s queries: “Can I get my tubes untied with Medicaid?” However, both Insurance that covers tubal reversal surgeries and Medicaid that is health insurance that covers tubal ligation reversal have some limitations.
You can only get insurance to pay for tubal reversal if all the procedures to be covered fall under the title of medically necessary procedures.
For each possible step, like the upfront testing, the tubal ligation reversal surgery, and all the other post-operative problems that might occur, there should be a valid medical explanation for the health insurance company or agency to cover them in their insurance cover tubal reversal.
But, these conditions are not legit for women who changed their minds about conceiving yet again. Hence, if this is the condition, you would have to find another way to get funded for the surgery; medical grants for surgery are also available to help you.
Does Blue Cross Blue Shield Cover Tube Reversal?
The Blue Cross Blue Shield Association is a union of 37 companies that are independently owned and serve as insurance companies. Every affiliated company makes business decisions and administers the respective states with different regulatory conditions. The Blue Cross Blue Shield Association is a national federation that provides help to less fortunate citizens with their medical procedures and bills that follow.
This group of health insurance companies that cover tubal reversal also has a set of rules that one needs to follow to avail of this union’s insurance benefits. These rules are the same as mentioned above for the health insurance covering tubal ligation reversal.
Just like Medicaid, if your medical procedures fall under the “medically necessary” category, the organization will only provide you with the benefits of insurance covering tubal ligation reversal. You might not get the insurance if these bills and procedures do not fall under the title.
Does the Blue Cross Blue Shield Cover Tubal Reversal? Well, most certainly, it does. However, the health insurance that covers tubal ligation reversal offered by this group of companies might be known by a different name in your area.
Thus, visiting their official website and checking two things is advisable. Firstly, does the blue cross blue shield cover tubal reversal in your area, and secondly, with what name is it known in your area of residence? After all, this is done, you would have to register yourself and avail yourself of the insurance that covers tubal reversal offered by this group of companies.
See More: Does Medicaid Cover Vasectomy?
Does BCBS Cover Tubal Reversal?
As mentioned earlier, The Blue Cross Blue Shield or the BCBS does cover tubal reversal. The BCBS is not the only group of insurance companies that cover tubal reversal surgery; various other health insurance companies are known for providing health insurance that covers tubal ligation reversal.
These other private insurance companies can help you get your tubes untied. They all work on the same set of rules discussed earlier. However, if the condition is not rare or medically necessary, the chances of you getting the insurance benefits are scarce.
However, one pro of applying to these organizations is if you are thinking, Does BCBS cover tube reversal? Unlike BCBS, these organizations do not go with a different name in different states, cities, towns, and counties of the United States of America.
The state-based mandates do not include infertility treatments after tubal ligation either, so optional surgeries are never suggested, i.e., it is not a good option to go for alternative procedures.
- The Aetna Company:
The Aetna Company is an organization that provides its services in fifty United States of America states. This organization is also eligible for the state-mandated in some of these states.
The organization’s insurance covering tubal reversal covers diagnostic infertility services to pinpoint the cause of infertility and treatment. The organization does not provide the benefits of their insurance that covers tubal ligation reversal if either partner has had voluntary sterilization earlier.
- The United Health Care (UHC):
Now, United Health Care is not an independent organization that aims at helping the low-income, needy, poor, and less fortunate with their medical procedures and bills that follow. However, it is an operating division of United Health Group. The United Health Group is the largest single carrier in the entire United States of America. The organization covers infertility services and treatments when they are to comply with a local coverage determination.
It also offers insurance that covers tubal ligation reversal. All you need to do is register yourself in the insurance policy offered by the organization. Whenever it is time, you can avail of the benefits of the insurance that covers tubal reversal and solves your query of Does BCBS cover tube reversal?
Must Read: Get free cosmetic Surgery
Cigna is a global company that assists less fortunate citizens with their medical procedures. It is based in Connecticut and provides services in various regions worldwide. One can look for suitable health insurance that covers tubal ligation reversal offered by this organization by visiting their official website.
The official website of Cigna provides its visitors with helpful information regarding the process of getting insurance that covers tubal reversal surgery. However, it is not clear from their mention of the procedure to what extent its insurance covers the costs of the tubal ligation surgery.
- Kaiser Permanente:
Kaiser Permanente is not a non-profit charity organization but a not-for-profit healthcare company operating in California. This location-based healthcare company assists people in California to meet their financial needs. California has an infertility mandate in the group marketplace.
That means that just like BCBS, it also provides insurance that covers tubal reversal surgery. It does not require IVF to help those needing financial help with their medical bills or family. This does not solve your question: Does Blue Cross Blue Shield Cover Tubal Reversal? But it provides you with other options that you can seek help from.
How To Get Insurance To Pay for Tubal Reversal?
This is probably the most asked question when women wish to get their tubes untied. Due to financial reasons, everyone, at least every woman, wishes to know How to get insurance to pay for tubal reversal.
As most of the nation comprises low-income and less fortunate citizens, this becomes the most asked question by that area of demography. One can get insurance to pay for a tubal reversal just like one can get insurance that covers tubal reversal with Medicaid.
However, with Medicaid, you can only benefit if you have a medically necessary condition. You can get insurance for tubal reversal, but they only pay for the insurance that covers tubal ligation reversal if it falls under any of the three types of medical reasons.
- Medical reasons must be related to the tubal reversal procedure that is pending. Each stage or category must be medically necessary.
- The first stage is the pre-surgery testing. You can get Medicaid or insurance that covers tubal reversal from any insurance company, private or public, for some of the specific pre-surgery testing stages.
You may ask your clinic to title the tests as medically necessary, including pre-operative bloodwork to spot infections and ultrasound procedures. The next stage is the tubal reversal surgery itself. It might happen that Medicaid or other private insurance companies may not cover the costs of the surgery itself.
You can not get insurance for tubal reversal surgery, as it is a procedure that corrects a previously initiated voluntary sterilization. However, other related services rendered while you were under the surgery will get insurance for tubal reversal.
- If complications arise after the surgery, getting insurance for tubal reversal is possible. Although the surgery is safe and has not been subjected to any post-operative complications, exceptions always prevail.
- If complications like bleeding, infection, damage to nearby organs, or reactions to anesthesia are reported, it can get insurance to pay for tubal reversal surgery and its post-operative complications.
- Apart from Medicaid and private insurance companies, you can also seek insurance that covers tubal reversal from non-profit charity organizations.
Non-profit charity organizations like CareSource assist less fortunate and low-income citizens with medical procedures and the following bills. They introduced and managed health care plans serving Medicaid members residing in Ohio. It now provides its services to citizens from other states as well. But, it originally started with the state of Ohio by benefitting the people of the state with its flexible health care plans.
Similarly, you can find other non-profit charity organizations to get insurance to pay for tubal reversal in your area of residence. Most women are not eligible to get insurance to pay for tubal reversal as they might not have a medically necessary condition, and that’s why a non-profit charity organization remains an option for such women.
Must Read: Vetrans dental implants
Does Blue Cross Blue Shield Cover Tubal Ligation?
We have seen that tubal reversal is a process of reconnecting the separated or surgically cut, blocked, or sealed fallopian tube to revive fertility; however, before that, the surgery to cut this tube is called tubal ligation or commonly referred to as “having your tubes tied” to prevent pregnancy.
As an insurance provider, Blue Cross Blue Shield covers Tubal Ligation, however, the policies offered by the BCBS might be variable depending on different factors. Often it is covered by most insurance providers due to its commonly established method of contraception.
To cover the cost of the tubal ligation procedure, it is often required to be documented for medical reasons. Medical necessary surgery can be recommended by your doctor, and you might get assistance here through BCBS.
Over 20% of the women in America have undergone Tubal Ligation or also called female sterilization, or getting their tubes tied to prevent pregnancy, according to the Centers for Disease Control and Prevention (CDC).
See More: Best Malpractice Insurance for Nurses
Tubal Ligation: Requirements for the Coverage Under BCBS
Depending upon the specific plan and different types of policies you own, the tubal ligation procedure is covered under the Blue Cross Blue Shield; the following factors might help you to prepare for your eligibility before having Tubal Ligation coverage under BCBS.
- Medical Necessity
- Suppose you have a medical reason to undergo tubal ligation surgical treatment. You can provide enough medical reports or documents supported by your clinical health and assisted by your doctor. In that case, you can get the insurance under BCBS.
- Prior Authorization
- This is a must condition to get prior approval from the BCBS council and get authorized for your Tubal Ligation. They will provide you with a card to complete the procedure without paying your money. The bill will be covered under BCBS insurance.
- Age Criteria
- For some insurance plans, the age criteria vary and might be restricted for a particular procedure. Tubal ligation comes under this age restriction bar, and BCBS may require you to fall under a particular age group (Over 21+) for Tubal Ligation coverage.
You also may require consent and counseling to smoothen the paper proceedings before the Tubal Ligation surgery, however, you must consider the dynamic nature of the insurance policies and frequent changes depending upon the location and other recipient eligibility.
Tubal Reversal procedures are tedious and financially draining. But you can get them covered under the insurance that covers tubal reversal. Tubal ligation procedures, on the other hand, are also covered under several insurance plans. Get health insurance that covers tubal ligation reversal today under the government health program. Tubal ligation reversal procedures are covered under several insurance plans.
Can I get my tubes untied with Medicaid?
Having your tubes untied or getting the Tubal Reversal is covered under your Medicaid. You can get full coverage if you provide the documented medical necessity for your treatment.
What insurance covers tubal reversal?
Insurance companies such as Blue Cross Blue Shield, Aetna, United Healthcare, Cigna, Kaiser Permanente, Molina Healthcare, Centene Corporation, and Oscar Health may provide the Tubal Reversal Coverage.
Will insurance cover birth control after sterilization?
Under the Affordable Care Act (ACA), insurance plans must provide coverage for birth control or post-sterilization contraceptives. However, some insurance plans may have restrictions or no extended birth control methods.
How do I know if my insurance covers birth control?
You can review your insurance policy document thoroughly and see the contraceptive coverage, whether that includes the birth control methods you’re going to have, or directly contact your insurance provider to inquire about or access the online tools of your insurance company.