Mounjaro savings card — 12 month update

Thank you for this. I'm going to look at GEHA Elevate Plus. If the premium increase is less than $1,059/month (current cash price), switching plans is a no-brainer. Even at $150 copay plus whatever premium increase, it should be dramatically cheaper.

The Zepbound vs Mounjaro coverage disparity is a huge policy issue right now. The CBO estimated that if Medicare covered anti-obesity medications (currently excluded by statute), it would cost $35 billion over 10 years. That's why private insurers are also hesitant — the cost exposure is enormous. The Treat and Reduce Obesity Act has been reintroduced in Congress and would require Medicare Part D to cover FDA-approved anti-obesity drugs. If that passes, private insurers will likely follow within 2-3 years. But right now, weight management drugs are one of the last categories where insurers can legally just say no.

I gave up fighting insurance entirely. I use Zepbound through Lilly's direct program at $550/month (they dropped the price for self-pay in late 2025). Is it ideal? No. But I was spending more time and mental energy fighting my insurance than I was spending on the medication itself. Sometimes the path of least resistance is worth the premium.