I went through planned parenthood for years for birth control when I did not have insurance and did not meet the requirements for public aide. Also, I had my daughter at Resurrection, which is a Catholic Hospital and they do not routinely prescribe birth control. They are very reasonable, maybe even free if you have the medicaid card. Give them a call and find your local office. Otherwise, if you like your ob-gyn I would call the office and see about setting up a payment plan to pay the $214. I never heard of them not giving you birth control because you smoke. They do have to advise you of the risks associated with smoking, age, and birth control (stroke/heart attack), but I didn't know they could not give it to you. If you hate Christ, then why not check out Palos Community Hospital. That's not far from you. They are a smaller hospital, but a friend of mine had great experience having both her kids there.
For the long term, maybe you could read up on Natural Family Planning. Check out the book "taking charge of your fertility" by Toni Weschler. You can probably get it at the library. The book is great at explaining the way your body works and how you can prevent pregnancy by knowing the signs of ovulation. The concepts are simple and charting is free. It will cost you $5 to get a thermometer. I say this is long term though, as you would want to be very comfortable with the method before trusting it completely. Last, but not least....make your man wear a condom if you are concerned about pregnancy and can't get any birth control. But, I am fairly certain Planned Parenthood will work with you and they always give you a bag of stuff with your pills, including condoms and Plan B. They are very friendly there and have a great bedside manner to boot. Hope this helps!