Does your plan cover Wegovy or weight-loss drugs?
Real coverage verdicts for 40 US insurers and 35 of the most-searched drugs — GLP-1s, diabetes, blood thinners, ADHD stimulants, biologics and more. Prior-auth rules and 2026 costs included. No signup needed.
What the colors mean
Coverage is set by your specific plan and formulary. These are research summaries — always confirm with your insurer using your member ID.
The drugs people ask about most.
Find your insurer × drug combination.
Filter by insurer, drug, or verdict — then open the page for the full 2026 rules, prior-auth criteria, and cost snapshot.
234 answers shown
GLP-1 & Weight Loss
121 answersWegovy, Ozempic, Mounjaro, Zepbound and the rest of the GLP-1 class — the most-searched, most-restricted coverage of all.
Diabetes
23 answersInsulin, Trulicity, Jardiance and other diabetes medications — where a documented diagnosis usually unlocks coverage.
Anticoagulants
10 answersEliquis, Xarelto and other blood thinners — high-volume drugs with tier and step-therapy rules that vary by plan.
ADHD Stimulants
25 answersAdderall, Vyvanse, Concerta and other stimulants — controlled substances with quantity limits and prior-auth checks.
Specialty Biologics
30 answersHumira, Dupixent, Enbrel and other specialty injectables — high-cost drugs almost always gated by prior authorization.
ED & Lifestyle
9 answersViagra, Cialis and lifestyle medications — frequently excluded outright, with quantity caps when they are covered.
Other Medications
16 answersEverything else we track — specialty and maintenance drugs across the remaining therapeutic classes.
Whatever your plan decides, there's a path that skips insurance
You just saw how tangled GLP-1 coverage gets — auto-rejections, prior authorization, and high cash prices. Curex compounded semaglutide: $199/month equivalent prepaid annually ($2,388 upfront), or $299/month paid monthly. Compounded tirzepatide: $299/month equivalent prepaid annually ($3,588 upfront), or $399/month paid monthly. Commercial rates as of 2026-10-12; compounded products are not FDA-approved and clinical eligibility must be assessed. Curex compounded medications are not the same as branded GLP-1 drugs. No insurance or prior authorization required; prescription required, subject to provider review.
- Medication + free shipping
- 24/7 provider access
- Medical intake & prescription review
Compounded semaglutide and tirzepatide are not the same medications as branded GLP-1 drugs and are not branded or FDA-approved products. Compounded medications have not been approved by the FDA and the FDA has not evaluated their safety or efficacy.
Why the same insurer covers one drug and denies another.
Coverage isn't one answer per insurer — it's a stack of rules that stack differently for every plan. Here are the four that decide almost every verdict on this hub.
Your line of business decides the rules
The same insurer runs very different plans. Commercial and ACA marketplace plans, Medicare Part D, and Medicaid each follow separate coverage rules — a drug covered on one can be excluded on another under the same brand name.
Prior authorization gates the expensive drugs
Many high-cost medications require prior authorization: your prescriber has to document that you meet specific clinical criteria before the plan will pay. Miss one criterion and the request is denied — even when the drug is technically on the formulary.
Formulary tiers set what you actually pay
Covered drugs sit on tiers, and your tier drives your copay. A preferred-brand drug and a specialty-tier drug can both be "covered" while costing wildly different amounts out of pocket. Step therapy may require trying a cheaper option first.
2026 changes are reshaping GLP-1 coverage
Coverage rules move every plan year. For 2026, watch the Medicare GLP-1 Bridge Program and shifting anti-obesity benefits — a "not covered" answer from last year can change, so always re-verify with your current plan documents.
Frequently Asked Questions
Because coverage is set drug-by-drug on a formulary, not insurer-wide. Each medication is placed on a tier — or excluded — based on cost, clinical evidence, available alternatives, and the specific plan you bought. A drug can be preferred on one plan and not covered on another under the very same insurer.
They follow different rulebooks. Medicare Part D is bound by federal rules — for example, it legally cannot cover a drug used for weight loss, though it may cover the same drug for an approved medical indication. Commercial and employer plans set their own formularies and benefit designs, so their exclusions, prior-auth criteria, and copays differ from Medicare and from each other.
It means your plan will only pay after your prescriber documents that you meet specific clinical criteria — a qualifying diagnosis, prior treatments tried, lab values, and so on. Until that paperwork is approved, the pharmacy claim is rejected even if the drug is on your formulary. Missing a single criterion is the most common reason requests are denied.
Not necessarily. An auto-rejection usually reflects a plan-level exclusion or a missing prior authorization, not a permanent no. You may still qualify through prior authorization, a formulary exception, or a covered alternative — and you can appeal a denial with additional documentation from your prescriber.
No. Every page here is a research summary of how a drug is generally handled across 40 insurers — not a promise about your specific plan. Coverage, prior-auth criteria, tiers, and copays change frequently and vary by plan and effective date. Always confirm current benefits directly with your insurer using your member ID before making a decision.
We review these pages for the current plan year and refresh them as formularies and program rules change — for example, the 2026 Medicare GLP-1 Bridge Program. Insurers can still update their formularies mid-year, so treat every answer as a starting point and verify against your latest plan documents.
Straight answers on drug coverage.
No guessing.
234 plan-honest coverage answers across 40 insurers — verdicts, prior-auth criteria, and cost snapshots, updated for 2026. Start with your insurer and drug above, then confirm with your plan.
Informational only — not medical, financial, or insurance advice. Coverage rules vary by plan and change frequently; always verify current benefits directly with your insurer.
This content is for informational purposes only and does not constitute medical, financial, or insurance advice. Coverage rules, prior-authorization criteria, formulary tiers, and copay amounts change frequently and vary by plan, line of business, and effective date — always verify current benefits directly with your insurer using your member ID before making any decision. Consult a licensed healthcare provider and your plan administrator for guidance specific to your situation. Curex offers compounded semaglutide and tirzepatide, which are not the same medications as branded GLP-1 drugs and are not branded or FDA-approved products; prescription required, subject to provider review. Compounded medications have not been approved by the FDA and the FDA has not evaluated their safety or efficacy.
Browse all 234 coverage answers
Every insurer-and-drug pair we track, A–Z by insurer.
A29
- Aetna — Adderall
- Aetna — Contrave
- Aetna — Eliquis
- Aetna — Farxiga
- Aetna — Forteo
- Aetna — Jardiance
- Aetna — Lantus
- Aetna — Mounjaro
- Aetna — Phentermine (Adipex-P / Lomaira)
- Aetna — Prolia
- Aetna — Viagra
- Aetna — Vyvanse
- Aetna — Wegovy
- Anthem — Adderall
- Anthem — Contrave
- Anthem — Contrave
- Anthem — Dupixent
- Anthem — Humira
- Anthem — Jardiance
- Anthem — Mounjaro
- Anthem — Ozempic
- Anthem — Prolia
- Anthem — Qsymia
- Anthem — Saxenda
- Anthem — Trelegy
- Anthem — Trulicity
- Anthem — Viagra
- Anthem — Vyvanse
- Anthem — Wegovy
B51
- Blue Cross Blue Shield — Adderall
- Blue Cross Blue Shield — Ambien
- Blue Cross Blue Shield — Cosentyx
- Blue Cross Blue Shield — Dupixent
- Blue Cross Blue Shield — Eliquis
- Blue Cross Blue Shield — Emgality
- Blue Cross Blue Shield — Farxiga
- Blue Cross Blue Shield — Forteo
- Blue Cross Blue Shield — Januvia
- Blue Cross Blue Shield — Jardiance
- Blue Cross Blue Shield — Lexapro
- Blue Cross Blue Shield — Metformin
- Blue Cross Blue Shield — Mounjaro
- Blue Cross Blue Shield — Orencia
- Blue Cross Blue Shield — Phentermine (Adipex-P / Lomaira)
- Blue Cross Blue Shield — Prolia
- Blue Cross Blue Shield — Saxenda
- Blue Cross Blue Shield — Symbicort
- Blue Cross Blue Shield — Trelegy
- Blue Cross Blue Shield — Viagra
- Blue Cross Blue Shield — Vyvanse
- Blue Cross Blue Shield — Wegovy
- Blue Cross Blue Shield of Alabama — Mounjaro
- Blue Cross Blue Shield of Alabama — Ozempic
- Blue Cross Blue Shield of Alabama — Wegovy
- Blue Cross Blue Shield of Arizona — Mounjaro
- Blue Cross Blue Shield of Arizona — Wegovy
- Blue Cross Blue Shield of Illinois — Adderall
- Blue Cross Blue Shield of Illinois — Jardiance
- Blue Cross Blue Shield of Illinois — Mounjaro
- Blue Cross Blue Shield of Illinois — Ozempic
- Blue Cross Blue Shield of Illinois — Vyvanse
- Blue Cross Blue Shield of Illinois — Wegovy
- Blue Cross Blue Shield of Michigan — Contrave
- Blue Cross Blue Shield of Michigan — Mounjaro
- Blue Cross Blue Shield of Michigan — Wegovy
- Blue Cross Blue Shield of Minnesota — Mounjaro
- Blue Cross Blue Shield of Minnesota — Ozempic
- Blue Cross Blue Shield of Minnesota — Wegovy
- Blue Cross Blue Shield of North Carolina — Mounjaro
- Blue Cross Blue Shield of North Carolina — Ozempic
- Blue Cross Blue Shield of North Carolina — Wegovy
- Blue Cross Blue Shield of Texas — Adderall
- Blue Cross Blue Shield of Texas — Mounjaro
- Blue Cross Blue Shield of Texas — Ozempic
- Blue Cross Blue Shield of Texas — Vyvanse
- Blue Cross Blue Shield of Texas — Wegovy
- Blue Shield of California — Adderall
- Blue Shield of California — Mounjaro
- Blue Shield of California — Vyvanse
- Blue Shield of California — Wegovy
C10
F5
G5
H30
- Harvard Pilgrim Health Care — Mounjaro
- Harvard Pilgrim Health Care — Ozempic
- Harvard Pilgrim Health Care — Wegovy
- Health Net — Mounjaro
- Health Net — Ozempic
- Highmark — Mounjaro
- Highmark — Ozempic
- Highmark — Wegovy
- Horizon Blue Cross Blue Shield of New Jersey — Mounjaro
- Horizon Blue Cross Blue Shield of New Jersey — Ozempic
- Horizon Blue Cross Blue Shield of New Jersey — Wegovy
- Humana — Adderall
- Humana — Contrave
- Humana — Dupixent
- Humana — Eliquis
- Humana — Farxiga
- Humana — Forteo
- Humana — Januvia
- Humana — Jardiance
- Humana — Mounjaro
- Humana — Ozempic
- Humana — Prolia
- Humana — Qsymia
- Humana — Symbicort
- Humana — Trelegy
- Humana — Trulicity
- Humana — Viagra
- Humana — Vyvanse
- Humana — Wegovy
- Humana — Xarelto
K17
- Kaiser Permanente — Adderall
- Kaiser Permanente — Cialis
- Kaiser Permanente — Contrave
- Kaiser Permanente — Dupixent
- Kaiser Permanente — Eliquis
- Kaiser Permanente — Enbrel
- Kaiser Permanente — Jardiance
- Kaiser Permanente — Metformin
- Kaiser Permanente — Mounjaro
- Kaiser Permanente — Ozempic
- Kaiser Permanente — Phentermine (Adipex-P / Lomaira)
- Kaiser Permanente — Qsymia
- Kaiser Permanente — Viagra
- Kaiser Permanente — Victoza
- Kaiser Permanente — Vyvanse
- Kaiser Permanente — Wegovy
- Kaiser Permanente — Xanax
M8
O12
P4
Q3
S6
U25
- UnitedHealthcare — Adderall
- UnitedHealthcare — Cialis
- UnitedHealthcare — Contrave
- UnitedHealthcare — Dupixent
- UnitedHealthcare — Eliquis
- UnitedHealthcare — Emgality
- UnitedHealthcare — Farxiga
- UnitedHealthcare — Humira
- UnitedHealthcare — Januvia
- UnitedHealthcare — Jardiance
- UnitedHealthcare — Mounjaro
- UnitedHealthcare — Phentermine (Adipex-P / Lomaira)
- UnitedHealthcare — Prolia
- UnitedHealthcare — Symbicort
- UnitedHealthcare — Trelegy
- UnitedHealthcare — Trulicity
- UnitedHealthcare — Viagra
- UnitedHealthcare — Vyvanse
- UnitedHealthcare — Wegovy
- UnitedHealthcare — Xanax
- UnitedHealthcare — Xarelto
- UPMC Health Plan — Mounjaro
- UPMC Health Plan — Ozempic
- UPMC Health Plan — Phentermine (Adipex-P / Lomaira)
- UPMC Health Plan — Wegovy
W20
- Wellcare — Contrave
- Wellcare — Dupixent
- Wellcare — Eliquis
- Wellcare — Enbrel
- Wellcare — Farxiga
- Wellcare — Forteo
- Wellcare — Januvia
- Wellcare — Jardiance
- Wellcare — Metformin
- Wellcare — Mounjaro
- Wellcare — Orencia
- Wellcare — Ozempic
- Wellcare — Prolia
- Wellcare — Symbicort
- Wellcare — Trelegy
- Wellcare — Viagra
- Wellcare — Vyvanse
- Wellcare — Wegovy
- Wellcare — Xanax
- Wellcare — Xarelto