I have no idea why a doctor would say that. The 4th generation test is among the most reliable tests for ANY disease on the market. If you tested at 3 months post-exposure, your result is conclusive and you do not need any additional testing. Even a 3rd generation test is conclusive after 3 months. Your doctor is out of touch with HIV testing.
Depends, was it oral, anal or vaginal and did you use a condom?