Does Health Insurance Cover Tubal Reversal? 
Most health insurance programs will not cover the reversal of any voluntary sterilizations . You may have to pay for the procedure out of pocket . The expenses are tax deductible , which may reduce the total net expense . IVF is a frequent alternative to tubal reversal , and is sometimes covered by insurance . Eight states have mandates requiring certain plans to cover IVF expenses . Your other alternative is to purchase a plan with a higher actuarial value -LRB- platinum or gold plan -RRB- . That way more of your pregnancy-related health care will be covered . In addition , you should purchase short term disability to replace income during maternity leave . This needs to start prior to conception . 