How can you make a high deductible health insurance plan work for you?

I just started a new job. They provide health insurance coverage, but with only one option – a high deductible plan. The yearly deductible is $3,000 after which the plan becomes an 80/20 copay plan. Unless something truly horrible happens to me, I will never come even remotely close to meeting the $3,000 deductible. The plan does include a health savings account into which the firm pays $120 a month and I can contribute to it as well.

I’ve never had this type of health insurance and I don’t think it will do me any good. I’m in good health, but I have one prescription alone that (even using a generic and having a savings card with the pharmacy) costs me $150 a month. That is more than the firm puts on the card. I don’t make enough money to be able to afford to put any more than perhaps $50 onto the HSA card a month.

This means I really can’t afford to see a doctor. I’ll have to pay every cent out of pocket and I can’t afford it, so I will probably have to give up annual Pap smears and mammograms, as well as visits if I become sick. I suffer from migraines as well, and that medicine isn’t cheap either. I just don’t see how this insurance will do me any good at all. If I didn’t have this one expensive prescription, I could just let the $120 a month build up until I have a pad, but not taking the medicine is not an option and there are no cheaper alternative medicines to take the place of the one I’m on. I may as well have no insurance at all.

What have others done who are in this situation? Are their any tips you can offer for trying to make a high deductible plan workable when you have a small income?

(Note: please do not make my question a place to debate Obamacare. Thank you)