The solution is quite simple, actually, and basically free.

Hike4fun in the older thread pointed this out, but it is important to understand. Instead of paying 100-200 dollars for the expensive extra month that your doctor wrote and your insurance won't pay for, just refill the med 6 days early. Bingo, a one week supply for emergency. Do it for 5 months and you have a 30 day emergency supply. Insurance companies almost always allow someone to refill when 80% of the time has passed, i.e. 24 days out of 30. By letting the insurance pay for the meds and just refilling them early, you are saving boatloads of money as well as developing an emergency supply.