When my husband got the vaccine at 50, he paid about $300 out of pocket for the vaccine.
We changed insurance about a year later, mine was completely covered.
Call your insurance and check with them before your request it so you will know which way it will go.
I had a friend who got shingles at 39 years old and had it in her eye and needed to see the eye doc every day for a week.
She said the pain makes the vaccine well worthwhile and talked me into getting it.