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.
42 answers · 12 insurers · 4 brands
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.
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 (SnagRx), covering both semaglutide and tirzepatide.
Compare every program on the boardQuestions people ask
Does my insurance cover Zepbound or Wegovy for weight loss?
It depends on your specific plan more than your insurer. Of the 42 insurer and drug answers we have read, 17 depend on whether your employer bought the weight-loss drug benefit, 22 are generally not covered and 3 are covered on the plans described. Each answer above quotes the insurer's own material with its date.
Does the manufacturer savings card work with Medicare or Medicaid?
No. The Lilly and Novo savings cards exclude government beneficiaries, which covers Medicare, Medicaid, TRICARE and the VA. On Medicare, ask about the Medicare GLP-1 Bridge, a $50 monthly copay for people who meet its BMI rules.
What do I pay if my plan covers it?
With a commercial plan that covers the drug, the maker's savings card can bring a fill down to as little as $25, up to a monthly cap (for Zepbound, $100 off a month). If your copay is higher than the cap plus $25, you pay the difference.
My insurer isn't listed. What should I do?
Call the number on your insurance card and ask two things: is the drug on the formulary for weight management, and does it need prior authorization. The pharmacy benefit manager named on your card usually runs the drug list.
What if my plan says no?
Paying cash. The cheapest program we track is $69 a month at SnagRx, billed monthly, checked October 2026.
If you want the money detail
Coverage answers whether. These answer what it costs you, and what to do when the answer is no.