How to Bill Your Insurance
Another place to investigate is often with your own insurance carrier. Although Dr. Werthman isn’t contracted with any insurance carriers, depending on the provider and plan type you have, several of the procedures we perform may be covered by your insurance carrier via reimbursement to you after you have undergone and paid for the procedure.
To find out, call the phone number on the back of your insurance card and ask to speak with a representative about reimbursement of medical expenses related to the procedure you are interested in.
What you will want to ask is whether the carrier will reimburse you for expenses related to the specific procedure you are inquiring about rendered by a licensed provider who is not contracted with this insurance plan.
Health Savings Accounts
Another payment option that is becoming increasingly more popular is for those who participate in health savings accounts or HSAs.
HSAs are typically available to people who have high deductible health plans. In the case of vasectomy reversal or vasectomy, the IRS has carved out a special designation for those undergoing restorative fertility treatments or vasectomies, which are medical expenses that can be covered by the money in a Health Savings Account.
In the case of vasectomy reversal or vasectomy, the IRS has carved out a special designation for those undergoing restorative fertility treatments or vasectomies.
In IRS publication 502, these are under the category Fertility Enhancement and another called Vasectomy and they specifically state:
“You can include in medical expenses the cost of the following procedures to overcome an inability to have children.
- Procedures such as in vitro fertilization (including temporary storage of eggs or sperm).
- Surgery, including an operation to reverse prior surgery that prevented the person operated on from having children.”
- OR “You can include in medical expenses the amount you pay for a vasectomy.”
In this case, you would either use funds available to you in your Health Savings Account for payment of your procedure, or you can reimburse yourself in the future after you have paid for them. Detailed information is available on the IRS website found here:Visit IRS.GOV
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