I'm not sure where you are located, but I'm in Ohio.. I couldn't find a hospital or doctor cheap enough here, but after some extensive research on the internet we did find a doctor in Kentucky that did my tubal reversal relatively cheap. It cost us right around $7000.00 and it all had to be paid up front but you can actually make payments until it is paid and then they would do the surgery. Or you could put it on a credit card. This doctor is absolutely great and will guarantee his work for you to have as many babies as you would like from there on out, if that includes ivf or whatever as many times as you would like if you can't get pregnant on your own after the surgery. And he doesn't charge a dime for the extra help if needed once the reversal is done. --- listen to me trying to sell this doctor! All I'm saying is that he is very good at what he does and I think it's worth every penny you have to save up to have the surgery done!
I should add, my ex husband and I have 2 children a 17 yr old daughter and a 10 yr old son. They are both excited to be welcoming a new brother in May!
Good Luck, But like Hannah said, without ivf or reversal (and reversal is cheaper in most cases) it's highly unlikely that you will get pregnant, not that you won't, but really really unlikely!
Anything is possible but without ivf or reversal it is highly unlikely. I say your best chances are to start saving up and make it happen.