Insurance & CostDecember 2024

GLP-1 Manufacturer Savings Cards and Coupons: The Complete Guide

Novo Nordisk and Eli Lilly both offer savings programs that can reduce your monthly GLP-1 costs to as little as $25. Here's exactly how each program works, who qualifies, and how to use them.

Disclaimer: Insurance and cost information changes frequently. Always verify current coverage details with your insurer and prescriber.

Ozempic Savings Offer Program

Novo Nordisk's Ozempic Savings Offer is a copay assistance card available to commercially insured patients in the United States. The program allows eligible patients to pay as little as $25 for a 1-month or 3-month prescription, with a maximum savings cap of $150 for a 1-month supply or $450 for a 3-month supply per fill.

To be eligible for the standard Ozempic Savings Card, you must: have commercial (private) insurance that covers Ozempic; be a U.S. resident; and not be enrolled in a federal or state healthcare program including Medicare, Medicaid, TRICARE, or VA benefits. The card is not available to patients whose insurance does not cover Ozempic at all — in that case, you need to look at the NovoCare Patient Assistance Program instead.

Enrollment is straightforward. Visit OzempicSavings.com or ask your prescriber's office to enroll you. You will receive a physical card or a printable card with a BIN, PCN, and Group number — the same fields as an insurance card. Present this at any participating pharmacy alongside your insurance card. The pharmacy processes it as secondary insurance, reducing your out-of-pocket copay to the capped amount.

The Ozempic Savings Offer has an annual maximum savings limit — once you have received the maximum benefit in a calendar year, the card will no longer apply until the following January. Keep track of your annual usage, particularly if you are on a higher dose (2 mg) where each fill has a higher list price and the savings cap may be reached more quickly.

Wegovy Weight Loss Savings Program

Novo Nordisk operates a similar savings program for Wegovy (semaglutide 2.4 mg for chronic weight management). Like the Ozempic program, the Wegovy Savings Offer can reduce copays to as low as $25 per month for eligible commercially insured patients, with a monthly savings cap.

Because Wegovy is more often subject to coverage exclusions than Ozempic — many commercial plans cover GLP-1s for diabetes but not for obesity — the Wegovy savings card can only reduce your copay, not replace coverage that does not exist. If your insurance specifically excludes Wegovy or weight-loss medications, the savings card will not override that exclusion and the card will not process at the pharmacy.

Novo Nordisk also offers a separate program for uninsured and underinsured Wegovy patients. The NovoCare Patient Assistance Program for Wegovy provides the medication at no cost to eligible patients who meet income and insurance criteria. Income limits are generally set at up to 400% of the federal poverty level ($60,240 for a single person in 2024), and patients must not have insurance that covers Wegovy. Enrollment requires your prescriber to complete an application on your behalf.

Visit WegovySavings.com for current program terms, as Novo Nordisk periodically adjusts savings card parameters in response to demand, market conditions, and policy considerations.

Mounjaro Savings Card

Eli Lilly's Mounjaro Savings Card program mirrors the Novo Nordisk model for its diabetes-indicated tirzepatide product. Eligible commercially insured patients can pay as little as $25 per month for a Mounjaro prescription, with monthly savings caps that vary based on dose strength.

For uninsured patients or those whose insurance does not cover Mounjaro, Lilly has offered separate programs that cap monthly costs at a higher amount — historically around $35–$150 per month depending on the program and dose. These programs have evolved over time, so verify current terms at Mounjaro.com or by calling Lilly's customer service line.

Eli Lilly also introduced single-dose vials of tirzepatide as part of their LillyDirect program — sold at significantly reduced self-pay prices directly to patients. These vials are not the standard auto-injector pens and require patients to draw up and self-administer the injection from a vial. The tradeoff is substantially lower cost for patients comfortable with this method.

Enrollment in the Mounjaro Savings Card is available at MounjaroSavings.com. You can enroll online in minutes, receive your card information by email, and present it at any participating retail pharmacy. Lilly's larger pharmacy network generally means the card works at most major chains including Walgreens, CVS, Rite Aid, Kroger, and Walmart.

Zepbound Savings Card

Zepbound (tirzepatide for chronic weight management) launched in late 2023 with a savings program structured similarly to Mounjaro. For commercially insured patients with Zepbound coverage, the savings card can reduce copays to as low as $25 per month. For patients without insurance coverage, Lilly has offered access at around $550 per month through LillyDirect — a meaningful reduction from the $1,060+ list price, though still a significant monthly expense.

Lilly has been particularly aggressive in creating access pathways for Zepbound compared to the early days of Wegovy. The LillyDirect self-pay program, launched in 2024, represents a genuine alternative for patients who are uninsured or underinsured and do not qualify for the full PAP. Vial-based offerings through LillyDirect have been priced as low as $349–$499 per month for lower dose strengths.

For patients who do not meet income criteria for the full PAP but also cannot afford list price, Zepbound's direct pricing model fills an important gap in the market. If you have been quoted a list price at your pharmacy and do not have insurance coverage, checking LillyDirect.com before paying should be a standard step.

Medicare beneficiaries are not eligible for the standard Zepbound Savings Card. If you are on Medicare, refer to the PAP program for Zepbound or explore Medicare Extra Help eligibility.

Income-Based Patient Assistance Programs

When standard savings cards are not available — because you lack commercial insurance, are on Medicare or Medicaid, or exceed program income limits for the savings card — income-based Patient Assistance Programs (PAPs) are the primary remaining resource.

Novo Nordisk's NovoCare Patient Assistance Program covers Ozempic, Victoza, Rybelsus, and Wegovy. Eligibility criteria typically include: U.S. residency; no current insurance coverage for the specific drug (including Medicare Part D); and annual household income at or below 400% of the federal poverty level. At 400% FPL in 2024, that is approximately $60,240 for a single person, $81,760 for a family of two, and $124,800 for a family of four. Approved patients receive the medication at no charge, mailed directly to their home or physician.

Eli Lilly's Lilly Cares Foundation Patient Assistance Program covers Mounjaro, Zepbound, Trulicity, and Basaglar, among others. Income thresholds are similar, generally up to 400% FPL with some programs extending higher. Applications are initiated through the prescriber's office. Lilly may also provide bridge supply while longer-term options are being established.

Third-party resources including NeedyMeds.org, RxAssist.org, and Partnership for Prescription Assistance (PPARx.org) maintain searchable databases of PAP programs for every drug. If you are unsure what programs exist for your specific situation, these tools can identify every program you might qualify for in one search.

Common Mistakes That Get People Rejected

Despite being genuinely helpful programs, manufacturer savings cards and PAPs are tripped up regularly by avoidable errors. Here are the most common reasons people get rejected or have cards fail at the pharmacy:

Using the wrong card for your insurance type. Savings cards only work if your insurance covers the drug. If your plan excludes the medication entirely, the savings card will not process. In that case, you need the PAP or a different coverage strategy.

Being on Medicare or Medicaid. Federal law prohibits manufacturer copay cards for beneficiaries of federal health programs. Pharmacists cannot process these cards for Medicare or Medicaid patients regardless of what the patient was told at enrollment. If you are on Medicare, you need the PAP program, not the savings card.

Living in an excluded state. A small number of states — historically Massachusetts and California, though this changes — have laws that complicate or restrict how manufacturer copay cards interact with state-regulated insurance plans. Always verify your state's eligibility when enrolling.

Exceeding the annual maximum benefit. Savings cards have annual caps. If you have a high dose or high list price plan and use the card frequently, you may exhaust the annual benefit before December. Plan ahead and monitor your savings balance online.

Pharmacy not knowing how to process the card. Not all pharmacists are familiar with manufacturer savings cards, particularly at independent or smaller pharmacies. If your card is rejected, call the manufacturer's helpline (printed on the card) while you are at the pharmacy and ask them to walk the pharmacist through the processing steps. This resolves the majority of point-of-sale issues.

Not reapplying annually. Most PAPs require annual re-enrollment. If you were approved last year but did not reapply, your eligibility may have lapsed. Calendar a reminder each year to resubmit your application before your current supply runs out.

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