It seems most doctors do not take insurance for the first visit or even follow ups but I know most insurance covers the actual prescription. Mine did and I have crappy insurance. I did have to pay (and still do) a 50 dollar co-pay when I physically see the dr. He only writes me a week's worth at a time.
I think you can use blue cross for sub , i think they pay pretty well , You can call them they will tell you what they do and don't cover.Good luck let us know what happens