I'm sorry for what happened to your sister. As I said earlier, the US health insurance system is extremely dysfunctional. I do however think you are grossly overestimating the effectiveness of contacting members of Congress. They neither have any reason nor any ability to help with the FDA or most other things. I doubt most members of Congress could even do anything (except travel aboard) to save their own life if they needed a drug the FDA had not approved, and they did not qualify under the very limited right-to-try law (that was still a step in the right direction).
Unless you are wealthy enough to compete with the pharmaceutical companies that lobby to maintain the current rules, you can have no real influence over the FDA. You might as well write the insurance company's shareholders, and get the same polite version of "no, we like money" back.