Mine was 100% covered by insurance. As a matter of fact, I thought they (my insurance) were going to send me a thank you letter for having it done, rather than go through the exenses of birth. Seems like most insurance companies will pay for it. Seriously, I didn't have to pay a penny.
Man, three months of dull ache? Three months?!?! Geez, I felt like I had blue balls for about two weeks, but that was it. Yea, the first needle stung a little, you know, that initial "prick" (hee hee, pun intended ). After that, what hurt most was my pride from having a dude between my legs fingering me. I mean, it was nice for a while, but it got old.

Just kidding