Does your insurance cover a GLP‑1?

Coverage is decided by your specific plan, not just your insurer, so we don’t pretend a dropdown can say “yes.” What we track: what each insurer publishes, who actually decides it, what to ask them, and today’s cheapest cash price if the answer is no.

Every answer we’ve verified

Each cell links to the insurer’s own published wording, quoted, with the date we read it. Empty cells are combinations we have not checked rather than answers of no.

32 answers · 8 insurers · 4 brands

InsurerMounjaroOzempicWegovyZepbound
AetnaNoAug 28NoAug 20DependsAug 20ExcludedAug 20
AnthemNoAug 28NoAug 28DependsAug 28DependsAug 28
Blue Cross Blue ShieldNoAug 28NoAug 20DependsAug 20DependsAug 20
CignaNoAug 28NoAug 20DependsAug 20DependsAug 20
HumanaNoAug 28NoAug 28NoAug 28NoAug 28
Kaiser PermanenteNoAug 28NoAug 28DependsAug 28DependsAug 28
TRICARENoAug 28NoAug 28YesAug 28YesAug 28
UnitedHealthcareNoAug 28NoAug 20DependsAug 20DependsAug 20

Covered on published plansDepends on your planGenerally not coveredExcluded from standard formulary

Verdicts describe weight-loss use. Almost every plan here treats type 2 diabetes differently and more generously, which each sheet sets out separately.

Your insurer probably isn’t the one deciding

The formulary, which is the list that says whether a drug is preferred, excluded or behind step therapy, is usually run by a pharmacy benefit manager rather than by the insurer whose name is on your card. When you read that a plan “dropped Zepbound,” this is the company that dropped it. Knowing yours is often more useful than knowing your insurer, because plans sharing a benefit manager tend to share an answer.

CVS Caremark

runs the formulary for Aetna

CarelonRx

runs the formulary for Anthem

Express Scripts

runs the formulary for Cigna, TRICARE

Optum Rx

runs the formulary for UnitedHealthcare

Two names are missing on purpose. Blue Cross Blue Shield is around 33 independent licensees running different benefit managers, and Kaiser Permanente is an integrated system with regional formularies and no outside manager at all. In both cases one national answer would be wrong, which is why those sheets say so instead.

The three ways people actually pay

Plan covers it

A brand prescription plus the manufacturer savings card. Worth being precise: the card takes up to $100 a month off your copay rather than setting your price to $25, so you land on the advertised figure only if your copay is roughly $125 or less. Prior authorization is usually required either way.

Medicare

Since July 2026, covered brand GLP-1s run about $50/mo through Medicare drug plans. Requires Medicare and plan coverage; ask your prescriber. Manufacturer savings cards exclude government beneficiaries, so on Medicare, Medicaid or TRICARE For Life the card is not an option and the Bridge is the thing to ask for by name.

Plan says no

Cash-pay is the fallback, and it’s the number we track all day. Cheapest program right now: $69/mo (Embody), covering both semaglutide and tirzepatide.

Compare every program on the board

If you want the money detail

Coverage answers whether. These answer what it costs you, and what to do when the answer is no.

What it costsGLP-1 coupons and copay cards: the $25 headline and the $100 cap6 min · checked Aug 27What it costsGLP-1s without insurance: what each route actually costs7 min · checked Aug 28What it costsDoes Medicare cover GLP-1s? The Bridge, and what it does not count toward8 min · checked Aug 28What it costsDoes Medicaid cover GLP-1s? It depends which state, and on why6 min · checked Aug 28What it costsGoodRx for GLP-1s: what the discount actually is6 min · checked Aug 28Buying safelyHow to get prescribed a GLP-1, and what the label actually requires6 min · checked Aug 28