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
Coverage of Zepbound for OSA (Dec 2024 indication) being added to UHC formularies through 2026.
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. Our editor's pick NexLife runs $145–$215/mo flat-rate.