I have found a way to build a backup supply of prescription meds. My insurance will allow refills up to 7 days in advance before the last prescription runs out. I don't know if all insurance plans allow this.

You have to be meticulous about refilling all your meds right on the 7th day previous (i.e. refills every 3 weeks). After doing this four times, you will have a one month backup supply which seems like a reasonable amount.

This can be very tedious if you have a number of meds all due for refills on different dates. And after you build up your backup supply, you cannot get lax about when you get new refills or you will end up eating into your backup supply. So, it is a constant effort, however, I think it is worth it even if you only end up with a week or two's backup when a disaster hits.

I keep my 5 bottle backup supply in a Ziplock ready to go. Do remember to rotate out bottles from your backup with any new prescriptions you get.