OOmis -“And it is VERY expensive out of pocket.”
No, it’s not. Treating toenail fungus is considered cosmetic, not medical. I’m surprised that the insurance companies pay for the oral anti-fungals.
Laser treatments cost between $400 -$800, not that expensive for cosmetic treatment -if you know how much plastic surgeons charge.
You could also use Ciclopirox nail laquer -if you don’t want to take the oral anti-fungals because of possible side effects.