Calm down, it'll be ok. It won't be stuck inside the phone, once you are able to grab it it should come out. Do you have any fishing wire you could loop around it to pull?
Since this is kinda user fault, it'd fall to insurance, and that'll probs be a pain.
I'd say try to use a thin object and carefully try to remove the pen. You should be able to get it out yourself if you can manage to somehow pull it or get a grip