All insurance companies are required to cover tubal ligation, in full, in order to be ACA compliant. It’s covered 100%. The doctor just has to put in the code as “sterilization”, it can’t be for pain/period management, cancer prevention, gender affirming care, or anything else.
I'd look into it while you still can. Luckily I'm not American, but we never wanted kids so he had a vasectomy years ago. I always said if I were American I would have sterilised myself last year. Saw this coming a mile off.
I had mine done earlier this year. I knew that at some point they’d either ban the procedure or not require insurance companies to pay for it, so I rushed to get it done since I know I never want kids.
Good on you. And congratulations!! We're the same, but thankfully my husband took that bullet, but I absolutely would have done otherwise. I'll stick to animals!
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Stay safe, lovely.