Sounds like a money grab to me. I know that where I live, insurance won't cover more than one a year unless there is something specific they are looking for, in other words, there has to be something wrong with you.
I would discuss this w/your doc and try to get just the refill, or I would consider finding another doctor who will prescribe one year at a time.
Just remembered something, is this the first time you have been on the pill, ever? If so, she may want to make sure things are going well, then it will be a year after that. I've heard of doctors doing this after the first three or six months to make sure your body is handling it. But only in that situation. If that's the case, make sure you walk out of there with a scrip for one year.