Costs and Insurance Coverage for Ozempic, Wegovy & Weight Loss Drugs

Weight loss drugs like Ozempic and Wegovy cost an average of $1,116 per month or $13,397 per year if you pay full price.

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Cost of weight loss drugs

Weight loss drug
Without insurance
With insurance
Ozempic$936$281
Rybelsus$936$281
Zepbound$1,060$318
Mounjaro$1,069$321
Wegovy$1,349$405

Monthly rate for weight loss drugs. Insurance coverage varies widely and averages are based on a 30% coinsurance after meeting your deductible.

Weight loss drugs cost $1,116 per month, on average, if you pay full price without any discounts or coupons.

If your insurance covers weight loss drugs like Ozempic and Wegovy, you'll pay an average of $321 per month. Though if your plan has good coverage, you could pay as little as $25 per month.

Blue Cross Blue Shield is the best insurance company for weight loss drug coverage because sometimes you don't need to meet a deductible before the insurance company starts paying for the drugs.

Drug manufacturers have discounts that can lower your costs to less than $180 per month, or even $0, with options whether or not you have insurance.

Insurance is more likely to cover weight loss drugs if they're prescribed for diabetes, not for weight loss. And your insurance company will usually need to preapprove the prescription and check that you meet the coverage criteria before it will pay for weight loss drugs.

Ozempic vs. Wegovy costs

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Ozempic costs $413 less per month than Wegovy if you pay full price. And you're more likely to get insurance to cover Ozempic than Wegovy.

Ozempic and Wegovy have the same active ingredient, semaglutide. Wegovy has been approved by the Food and Drug Administration (FDA) for weight loss. Ozempic has been approved for diabetes, though it's sometimes still used for weight loss.

Ozempic costs with and without insurance

Ozempic costs $936 per month if you pay full price and $281 per month after insurance.

Monthly cost of Ozempic

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Discount programs through the manufacturer, NovoCare, can reduce the cost of Ozempic to either $0 or $131 per month, if you qualify.

How much does Ozempic cost?

Monthly
Yearly
Without insurance$936$11,229
With insurance$281$3,369
With insurance and manufacturer discount $131$1,569
With the manufacturer assistance program $0$0

How much is Ozempic without insurance?

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no insurance card icon

Ozempic costs $11,229 per year if you don't have insurance or if your insurance won't cover your prescription.

The best way to make Ozempic more affordable when you don't have insurance coverage is to apply for the drug maker's Patient Assistance Program, which can reduce your costs to nothing if you earn less than $60,240 and live alone.

Eligibility for Ozempic (NovoCare) discount program:

  • Be uninsured, not have insurance coverage for Ozempic or only have Medicare
  • Earn less than $60,240 as an individual or $124,800 for a family of four
  • Not be enrolled in a government program like Medicaid, Medicare Extra Help, Low Income Subsidy or Veterans benefits
  • U.S. citizen or legal resident

How much does Ozempic cost with insurance?

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insurance card icon

Ozempic costs about $281 per month with a typical health insurance plan.

Costs vary widely based on your plan's prescription benefits. If you have a good insurance plan, you could pay a $25 copay each month for Ozempic. On the other hand, if you haven't met your plan's deductible, you could have upfront costs of hundreds or thousands of dollars before your full prescription coverage kicks in.

The best way to make Ozempic more affordable when you have insurance is to enroll in the manufacturer's program called the Ozempic Savings Card. This can save you up to $150 per month on your prescription, and there is no income limit to qualify.

Monthly cost of Ozempic with insurance and the Ozempic Savings Card

  • If you've already met your plan's deductible: As little as $25 per month after the $150 discount.
  • If you haven't met your deductible yet: About $786 per month after the discount. But costs will drop after you spend enough to reach your deductible.

Is Ozempic covered by insurance?

Ozempic is covered by most insurance companies, but it's easier to get coverage for diabetes than when you use Ozempic for weight loss.

Insurance rules about Ozempic coverage can be strict. But every plan is different, so changing plans could also change your coverage. For example, some insurance covers Ozempic for prediabetes, and other times insurance will only cover Ozempic if you already have Type 2 diabetes.

To get Ozempic covered by insurance, you'll need to meet your plan's coverage requirements.

  • Ozempic is more likely to be covered by insurance if it's prescribed for diabetes, not weight loss.

    The FDA has only approved Ozempic for those who have diabetes. If your doctor prescribes it for weight loss, that's considered "off label" because that's outside of the FDA's approval. Your insurance company could deny Ozempic coverage if the prescription says it's being used for weight loss, not for diabetes.

    For example, Medicare is not allowed to cover weight loss drugs, but it will cover Ozempic if it's prescribed for diabetes.

  • You'll need insurance approval before filling your Ozempic prescription.

    About three-quarters of employee insurance plans will require that insurance plans approve prescriptions for Ozempic and similar drugs called GLP-1. This is called prior authorization, and it means your doctor will need to submit a form to your insurance company showing that Ozempic is "medically necessary" for your health.

    Your insurance company will let you know if the request has been approved or denied. And you'll usually need to complete this paperwork each year.

  • You may need to try a cheaper drug first.

    Some insurance plans will only cover an expensive prescription like Ozempic if you've first tried other cheaper options. For example, UnitedHealthcare (UHC) often requires you to try metformin for three months before it will cover Ozempic. Similarly, plans from Blue Cross Blue Shield (BCBS) could require you to first try one or two cheaper drugs before Ozempic.

  • Your job could limit Ozempic insurance coverage or exclude it entirely.

    Most employers can decide what their prescription insurance plans will cover. Companies may try to reduce their costs by putting a cap on how long it will cover Ozempic. For example, employees at Mayo Clinic now only have coverage for less than two years when Ozempic is used for weight loss. The plan for North Carolina's state employees has cut off all coverage for weight loss drugs.

How to get Ozempic covered by insurance

If your insurance company denies you coverage for Ozempic, you can appeal the decision to try to get a different outcome. Very few people appeal when an insurance company denies coverage, but you have about a 41% chance of changing the outcome.

You can also try switching plans to get better coverage. If you get insurance through work, you'll usually need to switch to a different type of insurance to find coverage for Ozempic. That's because coverage rules typically apply to all of the plan options through your job. But there are some other options:

  • Health insurance through a spouse or family member.
  • A government program like Medicare or Medicaid.
  • A private health insurance plan you buy on HealthCare.gov or your state marketplace. This can be expensive because discounted insurance rates aren't available when you turn down insurance through your job.

Can you get a generic form of Ozempic?

Yes, you can get generic Ozempic, called semaglutide, but the FDA says it can be dangerous.

Generic semaglutide costs about $300 per month through a compounding pharmacy.

Your local pharmacy won't sell generic semaglutide because it hasn't been approved.

However, specialty sellers called compounding pharmacies can mix their own prescriptions that let you pay less for the same ingredient that's in Ozempic. The FDA has issued a warning about compounded semaglutide that the drugs that you receive could contain wrong ingredients, incorrect amounts of semaglutide or harmful additives.

This FDA warning specifically mentions the popular posts about generic semaglutide on TikTok and other social media platforms.

Wegovy costs with and without insurance

Wegovy costs $1,349 per month if you pay full price or about $405 per month if you have insurance coverage.

Wegovy could cost $180 per month if you use insurance and a Wegovy coupon from the manufacturer.

Manufacturer discount programs can lower your costs by $225 to $500 per month, whether or not your insurance covers Wegovy.

How much does Wegovy cost?

Monthly
Yearly
Without insurance$1,349$16,188
Without insurance, with drug maker's discount $849$10,188
With insurance$405$4,856
With insurance, with Wegovy coupon $180$2,156

The cost of Wegovy with insurance can sometimes be very cheap, and the drug maker estimates most people who have insurance coverage pay less than $25 per month.

How much you'll pay for Wegovy with insurance will depend on the rates set by your insurance plan and how your plan classifies Wegovy.

  • If your plan says Wegovy is a preferred brand drug (tier 2), that means you'll pay less for the prescription. For example, you could have a low copay that is just $25 per month.
  • If your plan says Wegovy is a nonpreferred brand drug (tier 3 or 4), your portion of costs will be higher. For example, you could pay about 25% to 50% of the drug's full price.

What insurance covers Wegovy?

Wegovy could be covered by some employer plans, marketplace plans, Medicare or Medicaid. However, many people have plans that don't cover Wegovy.

  • Insurance through work: About 43% of employers are providing coverage for Wegovy in 2024. That means those who work at the other 57% of companies will have to pay for Wegovy themselves. Access to weight loss drugs has been expanding and nearly twice as many employers are covering Wegovy this year versus last.
  • Marketplace plan like from HealthCare.gov: Some marketplace health insurance plans cover Wegovy, but it varies. When shopping on HealthCare.gov, you can add Wegovy to your list of prescriptions and then filter your plan options to only show those that will cover Wegovy.
  • Medicaid: Medicaid covers Wegovy for weight loss in nine states — California, Connecticut, Delaware, Michigan, Minnesota, Pennsylvania, Rhode Island, Virginia and Wisconsin. And after a recent rule change, all state Medicaid programs will start covering Wegovy for those at risk of heart disease who also meet the weight requirements.
  • Medicare: Wegovy is now covered by Medicare Part D and Medicare Advantage plans that include prescription benefits. But you'll only have coverage if you're at risk for heart disease and meet the weight requirements. Medicare won't cover Wegovy for weight loss alone. A 2003 rule specifically prevents Medicare from covering drugs only for weight loss, but it does cover other weight loss treatments like bariatric surgery.

Medicare coverage for Wegovy will depend on the plan so it will be important to shop around during Medicare open enrollment starting in October.

When is Wegovy covered by insurance?

If your insurance plan covers Wegovy, you'll usually need to meet the plan's coverage rules and weight requirements before it will pay for your prescription.

  • BMI requirement: The FDA has approved Wegovy for those who have a body mass index (BMI) of 30 or higher. For example, that could mean weighing more than 180 pounds when you're 5-foot-6.

    You can also qualify with a BMI of 27 or higher if you also have another weight-related condition like high blood pressure or diabetes. That would mean someone five and a half feet tall could qualify with a weight of 160 pounds or higher.

  • At risk of heart disease: Wegovy is now approved for those who are at risk for heart disease, heart attacks, or strokes, while also meeting weight requirements. This means that Medicare plans will start covering Wegovy, and Medicaid will cover Wegovy in more states. Coverage may not be available right away because the insurance plans need to update their lists of covered drugs.
  • Prior approval from insurance company: In most cases, insurance plans will only cover Wegovy after reviewing a form sent by your doctor showing that Wegovy is medically necessary and that you meet the plan's coverage requirements.
  • Other requirements such as diet and exercise: Insurance companies may also only cover Wegovy if you also exercise more, eat fewer calories or enroll in weight loss support groups. You could also be required to try a cheaper drug combination first before the plan will cover Wegovy.
  • Insurance coverage limits: Your insurance plan may only cover Wegovy for one year or a few months. Sometimes you can apply for a coverage extension, but it varies by plan.
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insurance plan icon

It is usually easier to get insurance to cover Wegovy to help you lose weight rather than to maintain your weight loss.

For example, if Wegovy successfully helped you to lose weight, you may no longer be eligible for coverage if your BMI has fallen below the FDA requirements for the drug.

How to get Wegovy covered by insurance

If you are struggling to get your insurance to cover Wegovy, you can:

  • Appeal to get the insurance company to change its decision.
  • Ask your job to start covering weight loss drugs with its insurance plans.
  • Change your health insurance plan.

Mounjaro costs with and without insurance

The weight loss drug Mounjaro costs $1,069 per month if you pay full price or $321 per month if you have insurance coverage.

Monthly cost of Mounjaro

You could pay about $171 per month for Mounjaro if you use a discount from the drug maker, Lilly, on top of insurance benefits.

How much does Mounjaro cost?

Monthly
Yearly
Without insurance$1,069$12,829
With GoodRx coupon$922$11,061
If your insurance plan won't cover Mounjaro $496$9,391
With insurance coverage$321$3,849
With insurance, and with the drug maker's discount $171$2,049

How much is Mounjaro without insurance?

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no insurance card icon

Mounjaro costs $1,069 per month or $12,829 per year without insurance.

If you have health insurance but your plan won't cover Mounjaro, you can use the drug maker's program called the Mounjaro Savings Card to lower your costs by $573 per month. That means you'll pay about $496 per month for Mounjaro.

This Mounjaro discount is only available if you:

  • Have a private insurance plan (not Medicare or Medicaid).
  • Have a prescription to use Mounjaro for diabetes treatment.
  • Use the discount up to six times per year. You'll pay full price for the other six months.

The cost of Mounjaro with a GoodRx coupon averages $922 per month, which is $11,061 per year.

If you are uninsured, the best way to get affordable Mounjaro is to use a GoodRx coupon, which could save you between 7% and 25% off the full retail price.

You could also ask your doctor for free samples of Mounjaro. However, those who have a low income can't get free Mounjaro through the drug maker's program. Lilly Cares Patient Assistance provides some types of free prescriptions, but Mounjaro is not one of them.

What does Mounjaro cost with insurance?

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insurance card icon

Mounjaro costs about $321 per month with insurance. That's $3,849 per year.

Prescription benefits vary widely. Depending on your plan, Mounjaro could cost as little as a flat $25 copay or you could have to pay as much as 50% of the cost of the drug.

You'll get the best deal on Mounjaro if you use the drug maker's Mounjaro Savings Card program. This can save you up to $150 per month on top of your insurance benefits, which is a savings of up to $1,800 per year. You can only use the discount with a private insurance plan (not Medicare or Medicaid).

Cost of tirzepatide: Mounjaro vs. Zepbound

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Mounjaro and Zepbound are two brand names for the drug tirzepatide. The cost of tirzepatide averages $1,064 per month if you don't have insurance coverage. Mounjaro costs about $9 more per month than Zepbound.

When is Mounjarno covered by insurance?

Mounjarno is usually only covered by insurance for diabetes treatment.

Even though Mounjarno is sometimes used for weight loss, the FDA has only approved it for diabetes.

For weight loss, you're more likely to have your insurance plan pay for Zepbound, which has the same main ingredient as Mounjaro. The difference is that Mounjaro is for diabetes and Zepbound is for weight loss.

Zepbound costs with and without insurance

Zepbound costs $1,060 per month without insurance or $318 per month after insurance coverage.

Monthly cost of Zepbound

If you have insurance, but the plan won't cover Zepbound, you'll pay $497 per month after the drug maker's discount of up to $563 per month.

How much does Zepbound cost?

Monthly
Yearly
Without insurance$1,060$12,718
If your insurance plan won't cover Zepbound $497$5,962
With insurance$318$3,816
With insurance, with drug maker's discount $168$3,369

The cost of Zepbound with insurance averages $318 per month or $3,816 per year. You can use the drug maker's discount program to save up to $150 per month off of your insurance rates. This could reduce the cost of Zepbound to $168 per month.

Will insurance cover Zepbound?

Many health insurance plans don't cover the weight loss drug Zepbound because it's so new. It was approved by the FDA at the end of 2023.

However, it's expected that insurance coverage for Zepbound will expand as insurance companies update their drug coverage rules. That's similar to what's happening with insurance coverage for another weight loss drug, Wegovy.

When insurance covers Zepbound, the weight requirements are similar to Wegovy's.

  • Zepbound is approved for use by those who have a body mass index (BMI) of 30 or higher. That could be a person who is five and a half feet tall and weighs more than 180 pounds.
  • You can also use Zepbound if you have a BMI of 27 or higher and a weight-related condition like high cholesterol or high blood pressure.

Rybelsus costs with and without insurance

The weight loss drug Rybelsus costs $936 per month at full price or $281 per month with insurance.

Monthly cost of Rybelsus

Rybelsus has the same main ingredient as Ozempic and Wegovy, semaglutide. The difference is that Rybelsus is a pill, and Ozempic and Wegovy are at-home injections.

How much does Rybelsus cost?

Monthly
Yearly
Without insurance$936$11,229
With insurance$281$3,369
With insurance and manufacturer discount $10$120
With the manufacturer assistance program $0$0

If you have insurance, Rybelsus is usually one of the cheapest weight loss medications you can get. That's because there's a very good manufacturer discount for Rybelsus if you also have insurance coverage. It lowers the cost of Rybelsus to as little as $10 per month with a maximum savings of $300 per month.

In comparison, the manufacturer discount for other weight loss drugs is typically $150 to $225 per month after insurance benefits.

Is Rybelsus covered by insurance?

Your insurance is more likely to cover Rybelsus if it's prescribed for diabetes than for weight loss. That's because the FDA has only approved Rybelsus to be used for treating Type 2 diabetes.

Rybelsus is sometimes used for weight loss, and it will depend on your insurance plan if Rybelsus is covered when it's not specifically prescribed for diabetes. It's called "off label" use when a drug is prescribed for something outside of the FDA's recommendation.


Best insurance companies for weight loss drug coverage

Blue Cross Blue Shield (BCBS) is the best insurance company for weight loss drugs like Wegovy.

With some BCBS plans, you'll have coverage for weight loss drugs before meeting your deductible because they're considered preventive medicine. This could save you hundreds or thousands of dollars per year.

The downside is that Blue Cross Blue Shield plans are different depending on where you live because each regional subsidiary operates independently. So the coverage you could get in California would be different from coverage in Louisiana or Massachusetts.

Blue Cross Blue Shield: Best insurance for Wegovy and other weight loss drugs


  • Sometimes covers weight loss drugs before your deductible.
  • Large set of healthy living programs including apps, coaching, nutrition counseling, fitness tools and sometimes, free WeightWatchers.
  • You may need to show that you've tried to lose weight through diet and exercise.
  • You may need to try cheaper drugs before plans will cover more expensive drugs like Wegovy.

UnitedHealthcare: Good insurance for weight loss drugs, especially if you have diabetes


  • Has coverage for most major weight loss drugs including Ozempic, Mounjaro, Wegovy and Rybelsus.
  • Has free online health and weight loss coaching.
  • Provides free insulin and other common drugs through the UHC drug program.
  • More likely to cover weight loss drugs if you have diabetes.
  • Medications must be used alongside improving diet, exercise or behavioral support such as community weight loss groups.
  • Initial approval for weight loss drugs is usually for four months. You typically need to lose 5% of your body weight to continue coverage.

Aetna: Weight loss drug coverage can sometimes have steep requirements


  • You may be able to get coverage for some weight loss drugs if you pay for the first three months yourself and show you've lost 5% of your body weight.
  • Has free weight loss coaching and discounts on nutrition programs, gym memberships and home exercise equipment.
  • Covers weight loss drugs if you've completed a weight management program and dieted and exercised for at least six months.
  • You may have to meet a higher deductible before having weight loss drugs covered because they're often included in your medical benefits, instead of being a prescription benefit.

Cigna: Basic coverage of weight loss drugs without many extras


  • After initial approval, you'll have seven months of coverage for Wegovy and eight months for Zepbound, which is longer than with other insurance companies.
  • You can renew prescription coverage if you still meet the BMI requirements and have lost at least 5% of your body weight.
  • Must start with a low dose of weight loss drugs and slowly increase dosage for about three to four months.
  • Requires three months of diet and exercise for weight loss drugs to be covered.
  • Limited number of programs for healthy living and weight management.

Kaiser Permanente: Limited coverage for weight loss drugs


  • Coverage is sometimes available for off-label use. For example, you may be covered for Ozempic even if you don't have diabetes.
  • Low rate of claim denials, so if your doctor prescribes weight loss drugs, you're likely to have them covered by insurance.
  • Free online resources, self-care apps, fitness classes, support groups and wellness coaching by phone.
  • Weight loss drugs only covered in OR and WA.
  • Will typically only cover weight loss drugs if you've tried two other medications for at least three months each and are on a diet and exercise program.
  • Coverage is usually for four months but can be extended if you lose 5% of your body weight.

Nearly all insurance plans will only cover weight loss drugs if you:

  • Get prior authorization from the insurance company
  • Meet the drug's weight criteria set by the FDA.

Frequently asked questions

What is the new weight loss drug that costs $1,000?

The newest weight loss drug that costs $1,000 is Zepbound. But most weight loss drugs, including Ozempic and Wegovy, will cost $1,000 per month if you pay full price. You can typically pay between $0 and $321 per month for weight loss drugs if you use insurance and/or manufacturer discount programs.

What insurance companies cover Wegovy?

Most insurance companies cover Wegovy. However, the rules on how you can qualify for that coverage will be different between insurance companies, plans and plan types. If you have health insurance through your job, weight loss drug coverage will usually depend on your employer's rules, rather than the insurance company. If you buy insurance on the marketplace, Blue Cross Blue Shield usually is the best company for weight loss drug coverage because sometimes you don't need to meet a deductible before the plan will pay.


Sources and methodology

The full price of weight loss drugs is based on manufacturer list prices. The average cost with insurance is based on coverage after meeting the deductible and a typical plan that has a 30% coinsurance. Weight loss drug coverage varies widely, so your costs could be higher or lower. The cost after manufacturer discounts is based on the maximum savings you could get.

Additional sources include:

  • KFF
  • International Foundation of Employee Benefit Plans (IFEBP)
  • Drug manufacturers NovoCare and Lilly
  • Insurance company coverage documentation
  • U.S. Food and Drug Administration (FDA)
  • Research from Tufts Medical Center
  • J.P. Morgan survey of U.S. benefits executives
  • Research from weight management platform,, Found,, and health care firm,, Accolade

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.