Waking up with a migraine, especially everyday can be a sign that one is suffering from a migraine headache. Triptan medications and Excedrin are known to cause rebound headaches. You may find if you can wean off of these medications that you will stop getting headaches in the morning.
On a separate note, in some cases doctors have been able to write letters indicating medications are medically necessary and insurance will then cover the medications. I have had this occur myself on two occassions.
Good luck. Let us know how you do.