I also had issues with hemorroids during both of my pregnancies. After my first daughter, I have a hemorroidectomy right after her delivery before the episiotomy stitches. So there was some pain, but nothing compared to having them everyday. After my second daughter was born, they went away or at least have never gotten inflamed again. I also have a girlfriend who has been plagued by them and has had them lanced, however they always come back.
Tucks works somewhat as well as the creams, but my opinion and what I would do is get rid of them for good if possible (hemorroidectomy).
Insurance wont pay any heed to hemmoroids. They are not cancerous or precancerous and I would venture to say 80% of people have had them or will have them at some point.
It would be an outpatient procedure.
Http://www.Nlm.Nih.Gov/medlineplus/ency/ar
ticle/002939.Htm
more results if you type "hemorroid surgery" in a search engine.
Hope this helps a little
mary