This past Wednesday, I was supposed to have Essure done. But last week the clinic told me that Tricare insurance (my husband is active duty in the Army) won't cover it. After some phone calls and tracking-down, I discovered that Tricare covers the procedure but not the implants. But since that combination costs the clinics money, they won't cover it...and I'll end up having to pay over $2000 for it. Granted, that's considerably less money and pain than an unwanted child, but I was hoping it wouldn't cost such a huge chunk out of our finances. The clinic decided to refer me to another one in the hopes they'd work with the insurance. I have the (redundant) consultation there early next week. I had chosen the original clinic because it was the only local one with female doctors qualified to do Essure, but I guess the men in the field aren't in it for anything suspicious. :-p
I could get a tubal, but the thing I like about Essure is the non-surgical part...though Tricare DOES list surgical sterilization as covered. I'll perhaps get a tubal if Essure doesn't work out for me one way or another.
Then again, I could just stay indefinitely on Loestrin, but even the teeny percentage of failures on the pill make me too nervous for comfort. A major backup would help ease my mind. And with menopause coming up in the next 10-15 years, I want something non-hormonal in place for when all that weirdness comes into question. I just wish I'd been able to do something permanent back when I was in college or soon thereafter...no insurance or money back then even up to recently. I also wish hysterectomies weren't so major, since girly innards have been problematic in my family, and there's a good chance I'll need one anyway (and getting rid of VERY nasty monthly ick in effective and nonhormonal ways would also be nice).
Have any of you had to deal with Tricare? Do any of you have suggestions?