Most insurance companies do not cover the costs of tubal reversal, according to WebMD. The out-of-pocket costs associated with this procedure can total thousands of dollars even if there are no complications.
Tubal reversal surgery is an operation that reverses a tubal ligation. A tubal ligation blocks the egg's access to the Fallopian tubes, which prevents pregnancy, according to Mayo Clinic. Insurance companies usually pay for the ligation surgery, but they are reluctant to fund the reversal.
This is because a tubal ligation is a low-risk procedure for insurance companies, according to Growing Family Benefits. Childbirth is expensive, and a tubal ligation prevents that from happening in the future, so it saves the insurer money in the long run. A tubal reversal, on the other hand, is more expensive in the short run and restores the patient's ability to become pregnant. Therefore, it is considered an elective procedure and is usually excluded from health insurance policies.
Fertility insurance mandates in some U.S. states make in vitro fertilization (IVF) a more attractive option than tubal reversal. Since insurance companies are more likely to cover it, IVF makes sense for many couples who choose to have more children after a tubal ligation. However, there is no guarantee that any insurance company will cover a fertility-related procedure, especially one that is designed to undo an elective surgery.