Youch! Of all the places I don't want Shingles, my eyes are #1.
I DID pay cash for the vaccine. I know too many people who've had it -- even two of my 20-something co-workers. And once you've had Shingles, you're likely to have them again. Seems rather unfair.
I'm in my 50s, and -- no -- insurance wouldn't pay for it. If memory serves, it wasn't cheap; I want to say about $200 for the two-shot series.
For anyone thinking of having this vaccine: This isn't the easiest vaccine to get. At a check-up, I told my doctor I wanted the vaccine -- no argument from him, but he had to "order it" to the pharmacy for me. He told me not to go to the pharmacy for 4-5 days (so it would have time to arrive); apparently few people want this, and they don't keep it on hand. The pharmacist gave me the first dose, then stored the second dose in their pharmacy refrigerator labeled with my name. I had to return -- was it 2-4 months later? -- for the second shot.
I'm not complaining about the procedure; I'm very glad to be able to cross one potential problem off my list. But if you're planning to get the vaccine, just know that it takes a little planning.
I wanted my husband to get it too, but he pointed out that -- never having had the chickenpox -- he cannot get Shingles. In my opinion, I think THAT'S why we give kids the chickenpox vaccine these days.
Back to your actual question: how to handle the Shingles once you have them? I don't think any good answers exist. Once you have them, you're sunk.