Largest U.S. commercial insurer. Coverage varies significantly by employer plan.
Type 2 diabetes coverage
Generally covered for T2D. Typical copay $25–$100/mo with PA.
Weight management coverage
Variable. Many UHC commercial plans cover Wegovy/Zepbound for weight with PA; some employer plans exclude weight management entirely.
CV indication coverage
Many UHC plans cover Wegovy under March 2024 CV indication with PA criteria matching SELECT enrollment (BMI ≥27 + established CVD).
OSA indication coverage
Zepbound has been FDA-approved for OSA since December 2024. Coverage for that use depends on your UHC plan and formulary; ask about prior authorization.
Prior authorization (typical)
BMI ≥30 or BMI ≥27 with weight-related comorbidity; documented lifestyle intervention 3–6 months; some plans require step therapy.
How to verify
Call member services on your card and ask: (1) Is [Wegovy/Zepbound/Ozempic/Mounjaro] on my formulary? (2) What tier? (3) PA criteria? (4) Expected copay? Document the date, rep's name, and any reference number.
Cash-pay alternative
If insurance is unworkable, see our price index. NexLife, our editor's pick, charges $95 a month for compounded semaglutide or $115 for compounded tirzepatide on a 12-month plan ($109 and $129 month to month; nexlife.us, read November 6, 2026), the same price at every dose. It is not the lowest price we track: Mondae lists lower standing rates, and Eden Health a lower semaglutide rate. Compounded versions are not FDA-approved.