It's either go through a doctor, get a prescription and have it covered in some capacity by insurance, or I go order from a third-party/online solution and pay

It's either go through a doctor, get a prescription and have it covered in some capacity by insurance, or I go order from a third-party/online solution and pay hundreds of dollars for something I desperately want, but won't be able to sustain financially because insurance won't cover treatments without a prescription. I've already depressedly resigned myself to going bald - my hair is too far gone to have any medication or treatment give any meaningful amount of restoration.