welcome bel78......it doesn't hurt to ask.....you had the filshie clips is this correct ? I had these done also.....having a TL done is not covered by health insurance that i know as it classed as a perm contraceptive......the only part that would be covered is your hospital stay and maybe some other parts like anesthetist etc.....pretty much you have the choice of going private where you pay for the full amount yourself or if you are prepared for the wait try to get on the public waiting list which some of the women here have done down in Victoria.....i myself still have my clips on and are all things going well doing my IVF cycle this year.....as for the pain factor.....i too have experienced the same pain your are talking about....i also have the very irregular AF at the moment, but that is also my endo playing up like usual......hope that helps you......cheers kiya