The facts
Weight loss
Generally no
Type 2 diabetes
Yes, with PA
Prior auth
Typical
Typical cost
Plan-specific
The criteria, as published
2 of 9 criteria are stated in the Blue Cross Blue Shield documents we read. Tap a row for the exact wording. Where a cell says not published, the documents we read do not say, and the line under it is how to find out.
- Formulary status
Still covered for type 2 diabetes by BCBS Michigan and BCN
“Blue Cross and BCN will continue covering GLP-1s prescribed to treat Type 2 diabetes, including the medications Ozempic, Mounjaro, Rybelsus and Victoza.”
bcbsm.mibluedaily.com · 2025-05-29- BMI threshold
- Not published in what we readAsk member services for the written prior authorization criteria for Ozempic.
- Qualifying conditions
Type 2 diabetes
“Blue Cross and BCN will continue covering GLP-1s prescribed to treat Type 2 diabetes, including the medications Ozempic, Mounjaro, Rybelsus and Victoza.”
bcbsm.mibluedaily.com · 2025-05-29- Lifestyle program
- Not published in what we readAsk whether a diet, exercise or behavioral program has to be documented, and for how long.
- Step therapy
- Not published in what we readAsk whether another drug has to be tried before Ozempic.
- Quantity limit
- Not published in what we readAsk what quantity limit applies to each fill.
- Renewal
- Not published in what we readAsk how long an approval lasts and what the renewal needs.
- Plan can exclude it?
- Not published in what we readAsk HR or member services whether your plan includes the weight-loss drug benefit.
- 2026 change
- Not published in what we readAsk whether Ozempic's status changed this year or changes at your next renewal.
Who actually decides this
Not the logo on your card, most of the time. Three parties sit between you and the answer, and knowing which one is saying no tells you who to ask.
- 1
The pharmacy benefit manager
No single PBM to name here, which is itself the finding. Different plans under this name use different benefit managers, so one national statement about the formulary would be wrong.
- 2
Your employer, if the plan comes through work
Weight-loss drugs are usually a category an employer buys or declines, not something the insurer includes by default. That is why two people holding identical cards get opposite answers, and why the useful question for member services is whether your plan includes the weight-loss medication benefit at all, before anything about criteria.
How prior authorization works here
Six steps. Specifics come from the criteria above; where Blue Cross Blue Shield does not publish one, the step says what to ask for.
- 1
Confirm the benefit exists
Before any paperwork, ask member services whether your plan covers Ozempic for weight management at all. A plan that excludes the category will refuse a perfect request.
- 2
Get the criteria in writing
Ask for the written prior authorization criteria for Ozempic, so your prescriber answers the plan's questions rather than guessing at them.
- 3
Your prescriber documents the clinical picture
Current and baseline BMI, with dates. Conditions: Type 2 diabetes. Records of any diet, exercise or behavioral program.
- 4
Answer step therapy, if there is any
Ask whether another drug must come first. If you have already tried one, the request should list it with dates and the reason it stopped.
- 5
Submit, then track it
Your prescriber sends the plan’s form with the notes. Write down the date and the reference number, and ask how you will hear back.
- 6
Plan for the renewal
Ask how long the approval lasts and what the renewal needs, so the gap does not catch you out.
Get your real answer
With a type 2 diabetes diagnosis, check your plan's formulary lookup for Ozempic's tier and whether prior auth or metformin step therapy applies. Without T2D, ask instead whether your plan covers any anti-obesity medication benefit.
Coverage is plan-specific: this page reports what Blue Cross Blue Shield publishes, not a promise about your plan. Not medical or insurance advice.
