The solution is to break the law. You can ask for - and get - scripts for drugs you don't need at the moment. Go ahead, ask a doctor. Tell them you want to lay in a supply for a storm kit. Unless the drugs are very perishable, they will accommodate you. You can pay for those drugs without your insurance company being involved. Yes, you can.

I have some prescription meds available to me as needed, if needed. They were legally purchased, and legally prescribed, and they have a decent shelf life.

When we had flooding along the river, one of the more dangerous things we had to do was shuttle meds to folks who didn't evacuate and ran out of heart meds.