Mari,

I don't blame you for not wanting to take a med that doesn't have a long track record, or being weary of taking new meds at all

The insurance company may authorize a new med, but that doesn't mean it will be affordable, and there's no way around that. I know that from experience. I was discharged from the psych ward the second time on Abilify before a generic was available. I had a $300 deductible, and it cost me over $500/mo on top of that
My pdoc gave me samples after that, but just filling that ONE prescription put me in the Medicare donut hole. And in the end, it did not break my manic episode.