I use the Express Scripts too (or whatever BlueShield just switched me over to) for blood pressure meds. My doctor issues me a 90 day supply with three refills - a one year prescription. I can re-order after 60 days, so within three refills at 60 day intervals I now have atleast a 90 day surplus supply on hand, plus what ever is in the bottle I am currently using. Should a major event ever happen, I would hope that 90 - 120 days of maintenance meds would last me until things became more routine again.

OTC meds, like 24 hr Claritin, I've found at Rite aid in 120 count generic label bottles for under $30. I am guessing that Costco, Sam's Club, etc. has comparable quantities and price brakes.

I think with a little wiggling within the system you can get a surplus of maintenance-meds (BP, Cholesterol, heart, etc.)without having to stretch any laws.
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While I have long believed that I will never get old, I have come to the realization that sooner or later there will be more people younger than me.