Trust your instincts.
I would write (not call) my insurer and say that your doctor said you can't take the new drug because of its side effects. Do get a note from your doc that says this. If your doc won't write that note, fire your doc. In your letter, state the symptoms of your reaction. Mention that their refusal to give you what you need may cause reactions that may be permanent. Do use the word "reactions."
That will document need and your insurer may make an "exception to avoid a lawsuit from your heirs." Good luck!
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