Ohhh. Bad flashbacks. I had a persistant on a couple of years ago. I was out for 8 weeks. I don't go barefoot unless I am on a very cushy surface. I do wear the less expensive brand like Crocs when I am at home. They make a big difference and they don't get gross like slippers. I had the same insurance problem with getting orthotics. My PT told me to try some sofsoles, I have been wearing them in all my shoes for 1 1/2 years now and they work fine. I have the firmer ones in my running shoes and the softer ones in my others. I have heard that superfeet is a great brand too.
I had a boss who had the surgery, she said it was a drag at first. But it's been several years and she doesn't have any problems anymore.
Good Luck
Jen L