Bought Theraspecs online for a friend. both rose and dark brown. she uses the rose colored ones for indoor but be warned they are kind of pricey. She also wears prescription readers. I found out that you can get a coating FL-41 put on them but they may have to be sent out for that.
Don't know about the insurance thing. I paid out out pocket for the Theraspecs

I personally use the sunglasses people use after eye surgeries/procedures. They have protective siding all around the glasses, therefore no light gets in. I even wear them with my glasses on. You can get them at Wal-Mart or Walgreens for $20<

How can you get one how much are they