Well stay calm. Do the additional tests, and more than anything, CALL YOUR INSURANCE COMPANY! You can ALSO go to a doctor who is doing your tests and make it very clear how miserable and shitty you feel. Ask him to send a request to the insurance to cover it.
My insurance used to not cover it. It was 100$ for a 10ML bottle of 200mg/CC. That will last you ten weeks, so it isn’t all that insane, worst case scenario, comes out to 10$ a week. Needles can be cheaply bought online.
Where there is a will, there is a way. Shame being assertive and aggressive is so hard with low T levels, but dedicate yourself to getting this done and you can achieve it.