Insurance coverage
Does Medicare Part D cover Wegovy, Zepbound, Ozempic, and compounded GLP-1s? What prior authorization looks like, and what to do if you're denied.
| Medication | Coverage |
|---|---|
| Wegovy (semaglutide for weight loss) | Limited — recent expansion in 2025 |
| Zepbound (tirzepatide for weight loss) | Limited — sleep apnea indication may qualify |
| Ozempic (semaglutide for diabetes) | Yes for Type 2 diabetes |
| Compounded sema/tirz | No |
Medicare historically excluded weight-loss drugs by statute. CMS guidance has expanded coverage when GLP-1s are prescribed for FDA-approved indications other than weight loss alone — including cardiovascular risk reduction (Wegovy) and obstructive sleep apnea (Zepbound).
If you have a qualifying secondary indication, this is the pathway to coverage. Talk to your prescriber about whether your case meets the FDA-approved sub-indication.
Your prescribing clinician's office handles the prior authorization submission. Approval timelines vary from 24 hours to 2 weeks depending on the carrier.
If your prior authorization is denied or your plan excludes weight-loss drugs, you have three primary options:
NexLife is our 2026 editor's pick. $199/mo flat-rate compounded semaglutide, physician-led under Dr. Adam Kennah, MD, LegitScript certified.
Visit NexLife →Limited — recent expansion in 2025
Limited — sleep apnea indication may qualify
Yes for Type 2 diabetes (Ozempic is FDA-approved for Type 2 diabetes; off-label use for weight loss is generally not covered).
No. No major commercial payer covers compounded GLP-1 medications. Compounded prescriptions are paid out-of-pocket.
Most plans require: BMI ≥30, or BMI ≥27 with at least one weight-related comorbidity (Type 2 diabetes, hypertension, dyslipidemia, sleep apnea); documented prior weight-loss attempts; ongoing clinical follow-up. Your prescriber's office handles the prior auth submission.
If your plan denies, options include: (1) appeal with additional clinical documentation; (2) compounded GLP-1s through telehealth ($199–$499/month); (3) manufacturer copay programs (limited). See our compounded vs brand-name guide.