See a Podiatrist. I had two extremely painful ones and the doctor fixed each with a ten minute process that required no 'twilight' time, no pain other than for a deadening shot, no recovery limitations, no pain since and immediate straight toes. He finished with a simple Bandade and I wore my regular shoes home.
It took two separate visits because Medicare would only cover one per visit. Six months later: no pain, straight toes.
As to cost, Medicare and my supplemental policy took care of all costs but even without insurance, there is no reason it should be expensive. It was an extremely simple procedure.