Yes, it's the insurance companies. There's no law against having extra prescription drugs on hand. The doctors have no problem with it.

All you have to do is talk to your doctor about what you want to do. He/she will give you an EXTRA prescription for the medication(s), the only catch is that you have to pay for them yourself, the full price. And if you're on something expensive, that could be $100-200 for a 30-day supply.

Some meds are relatively cheap. I did this for my Mom's prescriptions, and most of them were relatively inexpensive.

Sue