The patches, lozenges, and gum used to be prescription only. When they became over the counter items, the prices did go down, and many insurance providers still allowed prescriptions for a year or so after they went public, then they justified not covering it because the cost of the patches was comparable to the cost of cigarettes for the same time frame as the cessation treatments. Welbutrin, is prescribed instead of brand Zyban, because generic is cheaper than brand and all the advertising that is included. Chantix, has a warning label on it, the side effects are harsher than Welbutrin.
As for your doctor, I would change her out. This one is burned out and not taking the time to listen to you, or look over your chart properly. Every doctor wants their patients to recognize the ill effects smoking causes to the body. If this doctor just says, that your insurance won't cover smoking cessation and doesn't ask more questions as to what you have tried, or willing to try she is a weak ineffectual doctor. If anything she should have given you a pamphlet for CA govt funded cessation programs.