How much can I save with manufacturer savings cards?

Manufacturer savings cards typically save $150-$225 per month, depending on the medication. Most cards have an annual cap (e.g., $1,800-$2,700 per year). Savings apply only if you have commercial insurance (not Medicare or Medicaid). Always check the official manufacturer website for current terms and eligibility.

Can I use HSA/FSA to pay for GLP-1 medications?

Yes, most GLP-1 medications (Wegovy, Ozempic, Mounjaro, Zepbound, Rybelsus) are HSA/FSA eligible when prescribed for a medical condition. You can use HSA/FSA funds at pharmacies or Telehealth platforms. Keep receipts for tax purposes. Note: If using a manufacturer savings card, you may still use HSA/FSA for the remaining copay amount.

What is the success rate of insurance appeals?

Insurance appeal success rates vary by insurance type and denial reason. On average, 40-60% of first-level appeals are successful when medical necessity is properly documented. Success rates are higher (60-75%) for patients with BMI >30, type 2 diabetes, or cardiovascular conditions. Always include a physician letter and supporting medical records.

How do I apply for TrumpRx $350 program?

The TrumpRx $350 program (2026) caps GLP-1 medication costs at $350/month for eligible uninsured or underinsured individuals. To apply: 1) Check eligibility (income limits apply), 2) Visit the official TrumpRx portal, 3) Complete the application with proof of income and insurance status, 4) If approved, receive a card to use at participating pharmacies. Use our Calculator tool to estimate your eligibility.

What is the difference between copay and coinsurance?

Copay is a fixed amount you pay per prescription (e.g., $25, $50). Coinsurance is a percentage of the medication cost (e.g., 20% of $1,000 = $200). Your insurance plan determines which applies. Most GLP-1 medications are Tier 3 or Tier 4 drugs, often requiring coinsurance (20-30%) rather than a simple copay.

Do manufacturer savings cards work with Medicare?

No, manufacturer savings cards typically exclude Medicare and Medicaid beneficiaries due to federal anti-kickback laws. However, Medicare Part D plans may cover GLP-1 medications with prior authorization. Check your Part D formulary and consider Medicare Extra Help programs if you qualify.

How long does an insurance appeal take?

Most insurance plans process first-level appeals within 30-60 days. Expedited appeals (for urgent medical needs) may be processed in 72 hours. If your first appeal is denied, you can file a second-level appeal, which may take an additional 30-60 days. Some states offer external review options that can take 30-45 days.

Can I use multiple savings cards at once?

No, you cannot combine manufacturer savings cards. However, you can use a manufacturer savings card with pharmacy discount programs (like GoodRx) if your insurance does not cover the medication. Always check with your pharmacy about which discount applies and provides the lowest cost.

What documents do I need for an insurance appeal?

For an insurance appeal, gather: 1) Your denial letter (with reason and appeal instructions), 2) A physician letter explaining medical necessity, 3) Medical records (diagnosis, BMI, lab results, treatment history), 4) Prior authorization forms (if applicable), 5) Proof of previous treatments tried. Use our appeal letter template as a starting point.

Are compounded GLP-1 medications HSA/FSA eligible?

Compounded GLP-1 medications may be HSA/FSA eligible if prescribed by a licensed physician for a medical condition. However, eligibility depends on your HSA/FSA administrator's rules. Some administrators require the medication to be FDA-approved, while others accept compounded medications with proper documentation. Check with your HSA/FSA provider before using funds.

What is a formulary and how do I check mine?

A formulary is your insurance plan's list of covered medications and their tiers (which determine copay/coinsurance). To check your formulary: 1) Log into your insurance portal, 2) Search for your medication (e.g., "Wegovy"), 3) Check the tier and any restrictions (prior authorization, step therapy). You can also call your insurance company or ask your pharmacist.

Can I get GLP-1 medications for weight loss if I don't have diabetes?

Yes, Wegovy and Zepbound are FDA-approved for weight loss (BMI ≥30 or BMI ≥27 with weight-related conditions). However, insurance coverage varies. Many plans require prior authorization and may deny coverage for weight loss alone. Some plans only cover GLP-1 medications for type 2 diabetes. Check your formulary and consider manufacturer savings cards or Telehealth platforms if insurance denies coverage.

What is prior authorization (PA) and how do I get it?

Prior authorization (PA) is your insurance plan's requirement that your doctor get approval before covering certain medications. Your doctor submits a PA request with medical necessity documentation. The process typically takes 5-10 business days. If denied, you can appeal. Use our Calculator tool to estimate your PA success probability based on your insurance and medical conditions.

How do I find the official manufacturer savings card?

To find the official manufacturer savings card: 1) Visit the medication's official website (e.g., wegovy.com, ozempic.com), 2) Look for "Savings" or "Patient Support" section, 3) Enter your information to download or print the card, 4) Present the card at your pharmacy when filling the prescription. Never use third-party sites claiming to offer savings cards—always use the official manufacturer site.

What happens if my insurance appeal is denied?

If your first insurance appeal is denied, you can: 1) File a second-level appeal (internal review), 2) Request an external review (independent third-party review, available in most states), 3) Consider alternative options (manufacturer savings cards, Telehealth platforms, compounded medications). Many denials are overturned on second appeal when additional medical documentation is provided.

You're in: Cost & Insurance

Cost & Insurance

You can lower your GLP-1 cost with manufacturer discount cards, insurance appeals, the TrumpRx $350 program, and HSA/FSA—this page shows how. Always verify current terms on each program's official website.

For anyone with or without insurance who wants to pay less or appeal a denial.

Last updated: January 30, 2026

Check My Cost

TrumpRx: 5 states active· 4 pendingState-by-state guide →· Updated Jan 2026

Quick links

Calculator
Discount cards
TrumpRx $350
HSA/FSA
Appeal template
Appeal Center →

Typical monthly cost (cash)

Brand: $900–$1,400Compounded: $150–$350

Show compounded after HSA/FSA tax savings (~30%)

Estimate only; not tax advice. Your rate may vary. Verify with your tax or HSA/FSA administrator.

Key terms

Formulary — drugs your plan covers. Prior authorization (PA) — doctor approval before coverage. Copay — fixed per fill; coinsurance — percentage. Appeal — formal request to reverse a denial.

See FAQ for definitions →

Discount Cards & Programs

Manufacturer savings cards can lower your copay if you have commercial insurance (not Medicare or Medicaid in most cases). Pharmacy discount programs may help with cash price. Eligibility and maximum savings change—check the official site before using.

Note: Links below go to manufacturer websites. If a link doesn't work, visit the medication's main website (e.g., wegovy.com, ozempic.com) and look for "Savings" or "Patient Support" section.

Ozempic Savings Card

HSA/FSA

Commercial insurance, not Medicare/Medicaid

Max Savings: $100/monthValid Until: 2026-12-31

Pay as little as $25/month with commercial insurance. Maximum savings $100/month. Visit ozempic.com for current terms.

Visit Site

Ozempic

Wegovy Savings Card

HSA/FSA

Commercial insurance

Max Savings: $100/monthValid Until: 2026-12-31

Pay as little as $25/month with commercial insurance. Maximum savings $100/month. Visit wegovy.com for current terms.

Visit Site

Wegovy

Mounjaro Savings Card

HSA/FSA

Commercial insurance

Max Savings: $150/monthValid Until: 2026-12-31

Visit mounjaro.com and look for "Savings" or "Patient Support" section. Eligibility and cap; check manufacturer site for current terms.

Visit Site

Mounjaro

Zepbound Savings Card

HSA/FSA

Commercial insurance

Max Savings: $150/monthValid Until: 2026-12-31

Visit zepbound.com and look for "Savings" or "Patient Support" section. Eligibility and cap; check manufacturer site for current terms.

Visit Site

Zepbound

Rybelsus Savings

HSA/FSA

Commercial insurance

Max Savings: $150/monthValid Until: 2026-12-31

Visit rybelsus.com and look for "Savings" or "Patient Support" section. Check manufacturer site for current offer.

Visit Site

Rybelsus

Pharmacy Discount Programs

Varies (e.g. GoodRx, SingleCare)

Max Savings: Varies by pharmacyValid Until: Ongoing

May lower cash price; compare at your pharmacy. Not eligible for HSA/FSA reimbursement.

Visit Site

All GLP-1 medications

We do not provide affiliate links to these programs. Always verify current terms on the official manufacturer website.

TrumpRx $350 Program

Some states offer a $350/month cap for eligible GLP-1 prescriptions. Eligibility, application steps, and limitations vary by state.

Full state-by-state guide →

HSA/FSA Eligibility

Many GLP-1 medications and related costs are HSA/FSA eligible. Check your plan and use the price snapshot above to see savings with tax-advantaged accounts.

Insurance Appeal: Step-by-Step

If your plan denies coverage, you can often appeal. Many denials are overturned with medical necessity and following the plan's process.

Insurance Appeal Process

Get Denial Letter

Obtain your insurance denial letter with reason and appeal instructions.

Gather Documentation

Collect medical records, doctor's letter, and diagnosis documentation.

Submit Appeal

Submit formal appeal by deadline to the address in denial letter.

Follow Up

Track status and prepare for second-level appeal if needed.

Result

Receive approval or explore alternative options.

Appeal Letter Template

Appeal Center (by insurer) →

Sample letter below; your doctor should tailor and sign it. Copy to clipboard or use Appeal Center for by-insurer tips.

[Your name] [Member ID] [Date] [Plan name] [Appeal address / portal] Re: Appeal for [Drug name] – [Member ID] I am writing to appeal the denial of coverage for [drug name] for the above member. Medical necessity: [Patient] has been diagnosed with [e.g. type 2 diabetes / obesity with BMI ___ and related conditions]. [Drug name] is medically necessary because [brief reason, e.g. inadequate control on other medications, need for weight loss to reduce cardiovascular risk]. Supporting documentation from the prescribing physician is attached, including diagnosis, treatment history, and clinical justification. I request that the plan approve coverage for [drug name] in accordance with the member's prescription and formulary procedures. Sincerely, [Your name / Physician name and contact]

Frequently Asked Questions

More cost & insurance questions →

Tool

Cost Calculator

Get a personalized cost estimate for GLP-1 medications.

Guide

Alternatives

Compare brand, compounded, and oral GLP-1 options.

Tool

Drug Comparison

Tirzepatide vs Semaglutide, brand vs compounded. Cost, efficacy, side effects.

Resource

Appeal Center

Appeal letter template and insurer-specific tips for GLP-1 denials.

Cost & Insurance

Key terms

Discount Cards & Programs

Ozempic Savings Card

Wegovy Savings Card

Mounjaro Savings Card

Zepbound Savings Card

Rybelsus Savings

Pharmacy Discount Programs

TrumpRx $350 Program

HSA/FSA Eligibility

Insurance Appeal: Step-by-Step

Insurance Appeal Process

Get Denial Letter

Gather Documentation

Submit Appeal

Follow Up

Result

Appeal Letter Template

Frequently Asked Questions

Related Pages

Cost Calculator

Alternatives

Drug Comparison

Appeal Center