I haven't had this particular problem with BC pills but with another prescription....Do you have a list of medicines that your insurance will cover? I've taken one into my dr and had them prescribe one that was on my list....good luck....I've had my share of headaches from insurance over the past few years so I know what you're going through.....
If OTC has been working for you, you might want to see if your ins. co. will pay for a generic version of OTC and if they do, give it a try.
Good luck,
Jill