Patient assistance programs grant exemptions for having insurance if you can't afford their med. I have a couple of meds I get that way. I just fill out the application and enclose a note explaining that I have insurance but the med costs more than I can reasonably manage on my income. I have never been denied for a med I've applied for this way. I currently get patient assitance for 3 meds and all are exemptions. It may be more difficult when you are asking for a brand name when generics exist but a note from your pdoc should take care of that.