C.K.
I got my tubes tied about 14 years ago. Actually mine were cut, burned, and tied. The procedure was done at an out-patient clinic. I was there about 2 hours. The procedure didn't take long, about 30 minutes, but I had to stay afterwards to make sure I did not have a reaction to the anesthetic because I have a history of having bad reactions. I was put completely under to have it done, but I have a friend who was given a local so she was only numb from the waist down.
The doctor made a very small incision in my belly button to go in and tie my tubes. The recovery was very easy. I was on Tylenol for 2 days then back to normal. I had a 2 year old at home and had no problems taking care of him, picking him up and all of that. I was never in any pain, but had mild discomfort the day I had it done. I think it depends on the doctor.
As for the eggs, you still release an egg every month but because there is no where for it to go it disintegrates in the tube. It just dissolves away.
I am very happy that I had it done, and if I had to make the choice I again I would not change a thing.
As far as I know most insurance companies cover it. I've never heard of anyone having to pay out of pocket for it.