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Does your insurance cover Wegovy or Zepbound? We read 22 policies.

Pick your payer below. Each page shows whether the plan covers Wegovy or Zepbound, the BMI and clinical bar for prior authorization, and the policy document it comes from, with the date we checked it.

Payers we have sourced

If your plan denies coverage, Strut Health is the cheapest cash route on the chart, from $149 a month. That price buys compounded semaglutide, a pharmacy-made version that is not FDA-approved and is not Wegovy, Ozempic, Zepbound or Mounjaro.

Check price →

We publish a coverage page only where we found a published policy document, a federal statute, or independent formulary analysis. That is 22 payer pages today.

GLP-1 insurance coverage by payer puts the insurers we have read in one table, drug by drug.

On Medicare? The GLP-1 Bridge is live: eligible Part D beneficiaries pay a flat $50 a month for Wegovy (injection or pill), Foundayo or the Zepbound KwikPen through December 31, 2027. Who qualifies and what each dose costs, or read the CMS page.

One page per insurer

Each page below covers one insurer and carries its answer for every GLP-1 we have sourced a policy on. Start there if you know your card but not which drug to look up. All 20 live under the coverage checker.

Why most commercial coverage varies by plan

About 60 to 80 percent of commercially insured Americans are in self-funded employer plans. The employer bears the drug cost and the insurer only administers the claims, so the employer negotiates its own drug benefit. A UnitedHealthcare or Cigna member whose employer opted out of anti-obesity drugs is denied even if the insurer's standard formulary would cover them.

Employer election is not the only switch. The pharmacy benefit manager can drop a drug from the standard formulary underneath everyone at once, which is what CVS Caremark did to Zepbound on Aetna commercial plans on July 1, 2025. How Aetna covers Zepbound now has the member-side detail: FE-Compatible plans still cover it under policy 6947-C, and the standard commercial series needs an exception under 6981-A.

That is why a page that just says “UnitedHealthcare covers Wegovy” would mislead most readers. UnitedHealthcare covers Wegovy for obesity on plans that include the weight-management benefit, and whether your specific plan includes it depends on your employer. The way to find out is your summary of benefits or the number on your card.

Do not see your payer?

Some large payers, including CareFirst and Horizon, run coverage differently across states and plans, so the answer lives in the tools built for exactly that. The general coverage picture, the prior-authorization process, denial reasons, and the four appeal pathways are in the GLP-1 insurance guide. The prior authorization letter library has 200 templates across 20 plans, and the appeal letter library covers 120 denial scenarios. For Medicaid, see the state-by-state Medicaid coverage table. If you would rather a program run the prior authorization for you, the Calibrate review and the Noom Med review cover how each handles branded coverage.

Every page here comes from the payer's own policy, a federal law, or KFF's plan research. Each row links its source and gives the date we read it. Some plan files load at the address the payer gives but will not open. We check those against a second source and mark the row lower confidence. Job-based plans also choose whether to add the weight-drug benefit at all, so those rows say varies by plan rather than a flat yes.

This is reference information, not medical or legal advice, and not a guarantee of coverage. GLP-1 coverage policies change often. Always confirm the current policy with your insurer using the number on your card before you rely on this page. If your experience differs from what is shown here, email hello@glpchart.com with the details and we will re-verify.

John Samaras, editor of GLP Chart
Written and edited by John SamarasAbout this siteContact
Why you can trust GLP Chart. Same scoring framework applied to every program. No paid placements. We never remove unfavorable information at an advertiser's request. Pricing is pulled from each program's public-facing page every Monday.