You might be able to get around that buy having the meds delivered to a CVS pharmacy - call your insurance and ask, they will help you navigate your state laws.

Also I'm just as surprised as you on the 90 day thing. But I talked with my doc and they said I just need to visit twice a year for consultation and adjustment but they will do 90 mail direct to my house with Caremark... I just have to be there to sign for it.