Every GLP-1 Savings Card & Patient Assistance Program

Updated April 20, 2026

There are two categories of manufacturer-funded cost help for GLP-1 medications: savings cards (copay reducers for people with commercial insurance) and patient assistance programs (free or deeply-discounted medication for people with no insurance or low income). Both can cut your out-of-pocket cost dramatically. Neither works universally — each has specific eligibility rules, and government insurance blocks savings cards entirely.

This is the master reference for every program available in April 2026.

Master Comparison Table

Novo Nordisk Savings Cards (Ozempic & Wegovy)

Ozempic Savings Card

Caps your Ozempic copay at $25/month for commercially insured patients, up to $100/month in savings. Works for up to 24 months. Only valid if your plan covers Ozempic. Typical path: your plan pays $300/month list, the card knocks $275 off, you pay $25.

Doesn't work if: you're uninsured, on Medicare, on Medicaid, on Tricare, or if your plan doesn't cover Ozempic at all.

Wegovy Savings Card

Caps your Wegovy copay at $25/month. Same structure as Ozempic. Works for both the injection and the newer pill form. Same exclusions — commercial insurance required, government insurance blocks the card.

Eli Lilly Savings Cards (Mounjaro, Zepbound, Foundayo)

Mounjaro Savings Card

Has a unique two-tier structure:

• If your commercial plan covers Mounjaro: Copay drops to $25/month, max $1,950/year savings.
• If your commercial plan doesn't cover Mounjaro: Up to $499 off per fill, max $8,411/year over 13 fills. Net price becomes ~$571/month.

The "not covered" track is what distinguishes Lilly's approach. Novo Nordisk doesn't offer an equivalent for Ozempic/Wegovy — their cards only help when the plan already covers. Lilly's card works both ways.

Expires December 31, 2026. Commercial insurance only.

Zepbound Savings Card

Same two-tier structure as Mounjaro:

• Covered plan: $25/month copay.
• Non-covered plan: Up to $650 off per fill. Net price becomes roughly $436/month.

Only 30–40% of commercial plans cover Zepbound for weight management, so most cardholders land on the "$650 off" track. Expires December 31, 2026. Important: compare the non-covered track against TrumpRx self-pay at $299/mo — TrumpRx usually wins.

Foundayo Savings Card

Drops your copay to $25 per fill with commercial insurance that covers Foundayo. Because Foundayo was approved in April 2026, formal coverage decisions from most plans are still pending. Expect the card to be useful primarily in the second half of 2026 as coverage catches up.

NovoCare Patient Assistance Program (PAP)

NovoCare's PAP provides Wegovy and Ozempic at no cost for qualifying patients. Eligibility:

• U.S. resident
• No prescription drug coverage OR insurance that doesn't cover the medication
• Household income at or below 400% of federal poverty level (~$62,400/yr for single, ~$128,600/yr for family of 4 in 2026)
• Medical necessity documented by your prescriber

Application process: Download the form from novocare.com, complete with your prescriber, submit with proof of income. Approval takes 4–8 weeks. Once approved, the medication ships to your prescriber's office monthly.

Critically: NovoCare PAP accepts Medicare and Medicaid beneficiaries. This is different from the savings card, which doesn't work with government insurance. If you're on Medicare or Medicaid and need a Novo Nordisk GLP-1, the PAP is your path to free medication.

Lilly Cares Patient Assistance Program

Lilly Cares covers Zepbound and Foundayo (when enrolled) for qualifying patients. Eligibility is similar to NovoCare — income threshold, no drug coverage, medical necessity. Application is at lillycares.com.

Important gap: Mounjaro is not on Lilly Cares' list. If you need tirzepatide and you can't afford it, the only paths are (a) ask about Zepbound as a clinical alternative and apply to Lilly Cares for that, or (b) self-pay via TrumpRx.

The Three Biggest Gotchas

1. Savings cards don't work with government insurance

Federal anti-kickback statutes prohibit manufacturer copay assistance on Medicare, Medicaid, Tricare, VA, and any federally-funded prescription benefits. This is not a policy the manufacturer can waive. If you're on any government insurance, savings cards do nothing for you.

2. Savings cards don't work if you're uninsured

This catches a lot of people. Savings cards are structurally "copay reducers" — they reduce the amount you owe your insurance. If you don't have insurance, there's no copay to reduce. The savings card machinery simply doesn't apply.

Your paths without insurance: TrumpRx self-pay, NovoCare self-pay direct, LillyDirect, or a patient assistance program if income-qualified.

3. Lilly's "up to X off" is worse than it sounds

Lilly's savings card structure where your insurance doesn't cover the drug ("up to $499 off Mounjaro" or "up to $650 off Zepbound") sounds substantial but often lands you at a price worse than TrumpRx. Always compare:

• Mounjaro: Savings card net ~$571 vs. TrumpRx $350 → TrumpRx wins by $221
• Zepbound: Savings card net ~$436 vs. TrumpRx $299 → TrumpRx wins by $137

Stacking & Strategy

You can't stack savings cards with other discounts (GoodRx, TrumpRx). Pick one path. Smart sequencing:

1. Have commercial insurance that covers the drug? Savings card, $25/month. Stop.
2. Have commercial insurance that doesn't cover it? Compare savings card net price to TrumpRx. Pick cheaper.
3. Uninsured and income-qualified? Apply to PAP, self-pay as bridge.
4. Uninsured and not income-qualified? TrumpRx self-pay.
5. Medicare or Medicaid? Use your benefit first; if rejected, try PAP or TrumpRx.