Hey Brad, welcome back to film! I'm sorry you've had a rocky restart.
First of all, since you didn't specify, I'm going to assume you're talking about 35mm C41 film. Don't forge that there is also E6, b&w and medium and large formats.
The solution is pretty simple actually. Either process your own film or take it to a consumer grade 1 hour lab that you find does acceptable work. For me, this is my local Target. I know most of the techs there and am just very friendly with them. They do a great job on my film (within their constraints) and it only costs $0.95 a roll to process. Then I just scan the best shots to very high standards on my Epson V500 which is a cheap scanner but I make pretty terrific prints with it (in my opinion.) I even follow this process for some of my paid work and my clients are happy!
If you want an index print, they will have to scan the negatives and start the print process. Because things are automated, they can't just make an index print/contact sheet for you without making the rest of the prints (at least to my knowledge.) If you really want to find the answers to that, simply ask your local lab yourself. Nobody here is going to know what your particular local lab is willing or able to do for you.
Also, I really don't recommend making anything but small prints from a consumer grade lab. If you're going to a pro lab, the processing is going to cost more like $10 a roll and they use the exact same automated machine and chemicals as the consumer lab (provided you're taking c41 film to them.)
I recommend using Kodak Gallery or Shutterfly for cheap little prints and their larger, professional prints are okay too but you will develop your own taste for that as you explore film and scanning.
A big part of shooting on film is being careful with what and how you shoot. I get some pretty unusable rolls every once in a while but anyone who shoots film regularly is probably going to have more than just two good shots out of several rolls. You'll get there too with practice!
I hope this is useful and you are not discouraged on your road back to film. It's refreshing to hear of someone using both mediums as oppose to pitting them against each other as they often are. So thanks for that!
Email me any time at JohnnyMartyr@Hotmail.com if you need any help or just wanna talk to another film guy.
MANUAL AND METAL! FILM FOREVER!@