Estimate your monthly out-of-pocket cost for FDA-approved GLP-1 medications. Covers Wegovy, Ozempic, Mounjaro, Zepbound, Saxenda, Trulicity, and Victoza. Math, not medical or financial advice.
1Which GLP-1?
2Insurance situation
3Manufacturer savings card
Savings cards (WeGoTogether, Mounjaro Savings Card, etc.) typically require commercial insurance and US residency. Government-insured patients (Medicare, Medicaid, VA, TriCare) are usually ineligible.
4Pharmacy channel
Estimated monthly out-of-pocket
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—
List price (no insurance, no savings)
—/ month
After savings card (if eligible)
—/ month
How the math works
The calculator picks one of four scenarios based on your answers:
- Commercial insurance + savings card: lowest realistic OOP, often $25/month for the first 6-12 months. After the card cap, you fall back to your plan’s tier-3 copay (typically $50-$200/mo).
- Commercial insurance, no savings card or formulary exclusion: tier-3 copay or full list price if not on formulary.
- Medicare: weight-loss GLP-1s (Wegovy, Saxenda, Zepbound) are excluded by federal statute. T2D GLP-1s (Ozempic, Mounjaro, Trulicity, Victoza) covered with prior authorization.
- Cash / uninsured: full list price, except Zepbound vials via LillyDirect ($349-$599/mo) and Novo’s WeGoTogether cash savings program.
Compounded GLP-1s are still legal under 503A personalization, but the FDA enforcement deadline (May 22, 2025 for 503B) ended the large-scale compounding boom. Prices typically run $99-$300/mo with significant quality and legal variability.
What this calculator doesn’t model
- Annual deductible: many commercial plans require you to spend $1,500-$5,000 before tier copays kick in.
- Coupon accumulator / maximizer programs: some employer plans don’t let manufacturer savings count toward your deductible, which means the savings card runs out sooner.
- State Medicaid variability: GLP-1 weight-loss coverage is changing fast. Check your state’s Preferred Drug List.
- Prior-authorization friction: even when covered, many plans require BMI documentation, failed-diet history, and physician justification before approving.
- Future negotiated Medicare prices: Ozempic was selected for IRA Medicare drug-price negotiation; the negotiated rate kicks in 2027.
Pricing data last reviewed: 2026-04-27. Sources: manufacturer published list prices (Novo Nordisk, Eli Lilly), savings-card program terms (WeGoTogether.com, MounjaroSavingsCard.com, ZepboundSavingsCard.com), LillyDirect public pricing (LillyDirect.com), CMS Medicare Part D regulations, and IRA Medicare drug-price negotiation announcements. Always verify with the manufacturer and your insurer.
