How can I get my insurance to approve a tubal?

So, I am currently pregnant with my 3rd child. I am under the age of 21 but above the age of 18. I was wondering if I could fight my insurance on a tubal ligation for this 3rd c section. I have care source. I was born with a spinal defect, I had surgery at 3 months old. I have had 2 mris after each baby that shows my spine worsening. I begged with my 2nd to have a tubal done because birth control failed. This pregnancy, along with back issues, I was diagnosed with Hyperemisis. I am bedridden with a picc line. I personally don’t think I can get pregnant again without serious complications. And I can’t risk that .1% of birth control failing me.

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Help a mama out and respond anonymously on our forum. How can I get my insurance to approve a tubal?

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I got my tubes tied after my third child and my insurance didn’t have no issues granting me that. But depends on the insurance company. Good luck on finding what you need :relaxed: I hope your able to get something done.

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I’m so sorry momma I hope you can fight this😭 it’s a sad reality that a lot of women can’t get the proper care they need due to age stipulations put in by the government.

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I had my tubes tied the day after my 4th was born. My insurance covered it all. I do have Cigna though. Have you called your insurance to see what is going on? Maybe your doctor can send something to them about your health and see if that works.

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Has your insurance denied it? Tell your OB you want it done.

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You have to be a thorn in your insurance company’s side to get it approved. It helps if the doctor is supportive of the tubal surgery and if the doctor isn’t, find one that will support it. Sadly you have to fight and push for approval. Fighting for it shouldn’t be necessary but it’s how it seems to work. :woman_facepalming:

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I’m not sure where you are but with everything you named including having 3 kiddos your doctor should be advocating if they are giving you a hard time. A tubal can be considered elective UNLESS there is medical reasons that should be in your medical charts. See if maybe the nurse or the doctor can start that paperwork for you

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I’am making over $130 an hour working online with 2 kids at home. I never thought I’d be able to do it but my best friend earns over $ 18854 a month doing this and she convinced me to try. The potential with this is endless

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the fact you are having a C/S, there should be no issue with getting your tubes tied while they are in there removing the baby. All of this should be you talking to your GYN

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Talk to your doctor! A good doctor who knows your medical history can help push the insurance company to approve.

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Definitely find a hospital that isn’t Catholic. Ssm is Catholic. They won’t do it.

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Did your doctors send your medical information to your insurance? If they don’t know your medical problems tgat might be the issue

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Each state is different but definitely talk to your doctor they should be able to tell you if they will cover it

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I would speak directly with your insurance. I’ve heard of doctors pulling some ish because they believe a woman should keep breeding. Keep calling them. I would also suggest finding a doctor who is pro choice on what you do with your body such as sterilization. They can sometimes help you get it through stubborn insurance.

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Each state is different. I never saw myself having kids & wanted to get my tubes tied here in CA. They told me I was too young (18) that MAYBE if I was LUCKY to get a doctor to agree at 26. BC didn’t work had my 1st at 24. Asked to get them tied after birth they said no because “What if the childs dad wants more?” or “What if my husband wants kids” to wait until 28 because I was too young. Got IUD needless to say before I turned 28 I found out I was pregnant again. This time they tried to convince me not to but I already talked to my doctor. So they can suck it. Don’t get me wrong I love my children to death but it’s obsurd to me that they don’t respect ones wishes.

Your doctors should be able to get it approved when you give birth again. Talk to them because they can help sway the insurance company. Also be a thorn in the butt of the insurance company as much as you can. It’s rough battle but they should ok it.

I had to pay, insurance wouldn’t cover because it wasn’t medically necessary. Did a payment plan with hospital. Done

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Your dr can try saying it’s a life or death matter

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Ask your OBGYN to do a letter of medical necessity and submit to insurance company

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First, you’ll have to have your OB/GYN agree that they’ll perform your tubal ligation procedure. THEN, your dr’s office will have to submit the medical documentation to your insurance that you need the procedure (tubal ligation). Your dr’s office should have someone who deals with patient referrals, etc…

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They removed my tubes during my c section

Talk to your O B doctor, see if he will can suggest anything that will help

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Help a mama out and respond anonymously on our forum. How can I get my insurance to approve a tubal?

Shame that you even have to. You can fight your insurance. Is your doctor willing to do a tubal is the other question though? I have friends whose doctors refused until they were at least 30.

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Have your doctor write you a statement letter in his letter head. And send to your insurance. Basically have it say about your medical condition and the worsening of said condition pregnant. Also include the failed birth control. Send it to the insurance company.

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I’am making over $130 an hour working online with 2 kids at home. I never thought I’d be able to do it but my best friend earns over $ 18854 a month doing this and she convinced me to try. The potential with this is endless

Chk This—>> https://AmazingJobs1204.pages.dev/

Shoot I have never heard of insurance refusing to pay for a tubal most insurances will cover it because that means they won’t have to cover any more pregnancies. Maybe you can have your doctor (your Physician) put in a request with a statement saying your body physically cannot handle anymore pregnancies it would be a danger to you and your child. Your OBGYN on the other hand may refuse to do it because of your age you are still very young. However maybe he or she will make an exception due to health concerns it wouldn’t hurt to have your Physician also put in a request and written statement to your OBGYN.

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Yes MA’AM you can FIGHT this. Being 21 and having birthed ONE child is a Medical recommendation NOT LAW. Tubal ligation is an ELECTIVE procedure as is Breast implants which requires the Patient be 18 and NOT confined to a Mental institution or Correctional Facility. Know Your REPODUCTIVE RIGHTS. You START by finding out if your doctor is A Conservative or Republican. It DOES MATTER! Do this SILENTLY , call planned parenthood for a list of DEMOCRATIC Doctor in you Network. Transfer your care to that Doctor. That DOCTOR will take it from there!

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If your Dr refuses to do the tubal switch and find a Dr who will do one! Once you do that have your Dr write a letter to your insurance company. You absolutely can fight it

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Military insurance won’t do it unless 30 or 3 kids.

Can’t you have the doctor wrote them n let them know it would more than likely be dangerous for you to carry again

How about your partner, vasectomy possibly?

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In the state of pa medical insurances will not cover a tubal unless you are 30 with two kids

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A list of Dr’s who perform tubals without limits on the number of kids you have or age (as long as you are legal age obviously) https://www.reddit.com/r/childfree/wiki/doctors/

Find a better hospital that will allow it get with ur spine specialist and ur obgyn

Once you get hyperemesis it gets worse with each pregnancy. I don’t wish that on anyone. It was the worst thing I’ve ever experienced.

You pretty much are going to have to get your doctor to convince the insurance company that it is medically necessary in order for them to cover it but based on what you said that shouldn’t be a problem to prove it might help if you see a high risk pregnancy doctor if you don’t already