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1) To be on the safest side possible, you should use condoms through the entire first cycle of pills and keep using them afterwards.
2) See above. Next to abstinence, combining a hormonal method of birth control with a barrier method (like pills and condoms) is your safest bet.
3) No. Haven't you ever taken a statistics class and learned about the Law of Independent Events?
4) Go to your county health department or your local Planned Parenthood. County health departments frequently have programs in place to help those with low income or those whose insurance will not cover birth control, and Planned Parenthood, of course, deals with this kind of stuff every day.
If her insurance does not cover that brand of pills, she needs to find out whether or not they cover birth control AT ALL. Some insurers don't. If they do cover SOME kind of BC, then she should look into switching. Some women are particularly sensitive to a switch in birth control, especially hormonal birth control. Others are not. There are options beyond the pill, of course, and you mentioned one: the patch, the ring, Depo-Provera, IUDs, etc.
Good luck.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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