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Every major US health insurer × every FDA-approved GLP-1. 30 editorial coverage entries, refreshed monthly against current formularies.
Median cash-pay monthly cost for wegovy per state. Click a state for full provider list, insurance carriers, and telehealth options.
Coverage rules change quarterly. Each cell below links to a detailed page with prior-auth criteria, copay ranges, common denial reasons, and appeal strategy for that specific carrier × drug combination.
| Carrier | Wegovy semaglutide | Zepbound tirzepatide | Ozempic semaglutide | Mounjaro tirzepatide | Saxenda liraglutide |
|---|---|---|---|---|---|
Aetna 39M members 0/5 covered | PA req. $30-$100 | PA req. $30-$100 | PA req. $25-$80 | PA req. $25-$80 | PA req. $35-$120 |
Blue Cross Blue Shield 115M members 0/5 covered | Varies $25-$150 | Varies $25-$150 | PA req. $20-$75 | PA req. $20-$75 | Varies $30-$150 |
Cigna 19M members 0/5 covered | Step Rx $30-$120 | Step Rx $30-$120 | PA req. $25-$80 | PA req. $25-$80 | Step Rx $35-$130 |
UnitedHealthcare 51M members 0/5 covered | Step Rx $30-$150 | Step Rx $30-$150 | PA req. $25-$90 | PA req. $25-$90 | Step Rx $35-$150 |
Humana 17M members 0/5 covered | Not covered | PA req. $30-$120 | PA req. $25-$95 | PA req. $25-$95 | Not covered |
Kaiser Permanente 12M members 0/5 covered | PA req. $20-$100 | PA req. $20-$100 | PA req. $15-$70 | PA req. $15-$70 | PA req. $25-$110 |
Coverage varies sharply by plan. Commercial PPO plans typically cover GLP-1s with PA. Medicare Advantage plans follow Part D rules — weight-loss indication blocked, T2D + obesity-with-comorbidity covered.
BCBS is a federation — coverage rules vary by state plan (BCBS of Texas ≠ Anthem BCBS California). Most commercial plans cover GLP-1s with prior auth. State plan variance is the biggest hurdle.
Cigna commercial plans cover GLP-1s with PA. Tightened step-therapy requirements in 2025 — phentermine + lifestyle program prerequisite on most plans. ESI pharmacy benefit manager.
Largest US commercial insurer. Strict PA across all GLP-1s — BMI ≥30 (or ≥27 with comorbidity) + 12-month documented diet/exercise + step therapy through phentermine OR orlistat in most plans.
Heavy Medicare Advantage focus. Weight-loss GLP-1 indication blocked on most Humana Medicare plans (Part D exclusion). T2D + cardiovascular indication covered. Commercial plans follow stricter PA.
Integrated payer-provider — Kaiser physician must prescribe through Kaiser pharmacy. PA criteria are clinical-judgment-driven by the prescribing Kaiser provider, not external utilization mgmt. Easier path if you have a sympathetic Kaiser PCP.
Coverage data refreshed monthly. PA criteria and copay ranges are typical for 2026; your specific plan may differ. Verify against your member portal before prescribing.