errakus,
I'm not new to this and I have yet to find a policy that will cover the cost or even a portion of having a woman's tubes untied/reversed.
I don't provide false hope.
Of course a payment plan would need to be made with the providers office if they agree to such. Reversal is not inexpensive and most want it paid for within a certain amount of time. How long would it take someone to pay a $10k bill?
However I would encourage anyone who has a question about their current coverage to read and understand their policy and if not, ask the insurance carrier benefit representative who would be able to clarify.