When you do see your doctors, do let them know you are paying out of pocket for your medications. Some will write prescriptions for a little longer or allow you to see a nurse or PA between visits and charge less for those visits.

I would imagine the 30 day limit on your clonazepam is related to your drug abuse history, but again, if you have been on it for awhile without problems, perhaps your doc would allow you to get a refill if you explain your financial concerns.

With my previous insurance which was terrible I discovered I could also cut costs by calling around to different pharmacies. With some medications it isn't very significant, but I did save a lot with a couple of them.

Pdocs should be able to write prescriptions for psych meds. I'm not sure what you are on, but they do have the ability, it's a matter of finding one that is comfortable with managing mental health meds. Some refuse as it is not their forte, but I know like in my area where there is a 3 month wait list to get a psychiatrist appt., many Pdocs and nurses will prescribe psych meds.