GLP-1 Savings Cards & Patient Assistance Programs 2026: Complete Guide

Last updated: May 28, 2026

The retail price of a brand-name GLP-1 medication in 2026 is north of $1,000 per month. Almost nobody actually pays that. The reason is that every manufacturer of a GLP-1 — Eli Lilly (Mounjaro, Zepbound, Foundayo) and Novo Nordisk (Ozempic, Wegovy, Saxenda) — runs a stack of cost-reduction programs designed to bring real out-of-pocket spending down to between $0 and roughly $570 per month depending on your insurance situation.

There are two categories of manufacturer-funded cost help, and people frequently confuse them: savings cards (also called copay cards or coupon cards) are copay reducers for people with commercial insurance; patient assistance programs (PAPs) provide free or deeply-discounted medication for people with no insurance or low income. They have completely different eligibility rules, and federal anti-kickback statutes block savings cards entirely for anyone on Medicare, Medicaid, Tricare, or the VA.

This is the master reference for every GLP-1 savings card and patient assistance program available in 2026 — Mounjaro, Zepbound, Ozempic, Wegovy, Foundayo, plus the older and combination products like Saxenda, Trulicity, Soliqua, Xultophy, and Glyxambi. Each section covers the program details, exact eligibility, savings caps, application steps, and the gotchas that catch most people off guard.

How GLP-1 Savings Cards and Copay Programs Work in 2026

Three categories of help, with three completely different mechanics:

1. Manufacturer Savings Cards (Copay Reducers)

These are subsidies paid by the drug manufacturer that reduce what you owe at the pharmacy counter. The pharmacy bills your insurance normally, your insurance applies its negotiated price and copay structure, and the savings card pays down your share. For commercially insured patients whose plans cover the drug, this typically lands your final copay at $25/month. For commercially insured patients whose plans don't cover the drug, Eli Lilly's cards have a unique "uncovered" track that pays a flat dollar amount off the cash price — Novo Nordisk's cards don't have this track.

Eligibility floor: you must have commercial insurance. Government-funded coverage (Medicare, Medicaid, Tricare, VA, federal employee plans) disqualifies you under federal anti-kickback law. Cash-pay-only patients also don't qualify because there's no copay to reduce.

2. Manufacturer Patient Assistance Programs (PAPs)

These are charity-style programs that ship free medication to qualifying patients. Eligibility is based on household income — typically at or below 400% of the federal poverty level — plus medical necessity confirmed by a prescriber. Critically, PAPs do accept Medicare and Medicaid beneficiaries (because they're not paying through the federal benefit; they're receiving free product from the manufacturer). For uninsured or low-income GLP-1 patients, PAPs are the closest thing to a free pass that exists in U.S. pharmaceutical cost-help.

3. Direct-to-Consumer Manufacturer Self-Pay

Both Eli Lilly (via LillyDirect) and Novo Nordisk (via NovoCare's self-pay channel) now sell their products directly to cash-paying patients at meaningfully lower prices than retail. This isn't a savings card or PAP — it's just a different fulfillment pathway. No insurance involved, no income requirement, just a credit card and a prescription. For uninsured patients whose income is too high for PAP qualification, this is usually the cheapest brand-name option.

GLP-1 Savings Programs Comparison Table

The full picture across every major brand-name GLP-1, with who qualifies, potential savings, and how to apply. This is the table to anchor on if you only have time for one section of this article.

Mounjaro Savings Card & Lilly Cares Program

Mounjaro (tirzepatide) is Eli Lilly's GLP-1 / GIP receptor agonist FDA-approved for type 2 diabetes. The savings card has a unique two-tier structure that makes the answer to "how do I get Mounjaro for $25?" highly conditional on your insurance status.

Mounjaro Savings Card — The $25 Track (Covered Plans)

If your commercial insurance plan does cover Mounjaro:

• Copay drops to $25/month at the pharmacy counter.
• Maximum savings: $1,950/year over up to 13 fills.
• Expires December 31, 2026. Lilly typically renews these cards annually with similar terms — expect a 2027 version to drop in early Q1 of that year.
• Commercial insurance required; Medicare, Medicaid, Tricare, VA, and any federally funded plan disqualifies you under anti-kickback law.

Mounjaro Savings Card — The "$499 Off" Track (Non-Covered Plans)

If your commercial insurance plan does not cover Mounjaro (very common — most non-diabetes plans exclude it):

• Up to $499 off per fill, applied as an instant rebate at the pharmacy.
• Maximum savings: $8,411/year over 13 fills.
• Your net price typically lands around $571/month on the standard Mounjaro retail price.
• Still requires you to have commercial insurance — just not commercial coverage for Mounjaro specifically.

This non-covered track is what distinguishes Lilly's program from Novo Nordisk's. The Ozempic and Wegovy savings cards don't help at all if your plan doesn't cover the drug. Lilly's "up to $499 off" still cushions the blow — but it's worth comparing the net price against LillyDirect self-pay directly, since the cash route often lands cheaper than the savings card after the rebate. See Mounjaro cost per dose for the full math.

How to Activate the Mounjaro Savings Card

1. Get a Mounjaro prescription from your doctor (for type 2 diabetes — Mounjaro is not FDA-approved for weight loss).
2. Visit mounjaro.com and click the "Savings Card" link.
3. Confirm you have commercial insurance (not Medicare/Medicaid/government).
4. Print or save the digital card. Present it at your pharmacy along with your insurance card on the next fill.
5. The pharmacy processes both — insurance pays first, savings card pays second.

Lilly Cares Foundation PAP — Mounjaro Is NOT Included

Repeating this because it's the single biggest source of confusion for low-income patients trying to access Mounjaro: Lilly Cares does not cover Mounjaro. There is no patient assistance program for Mounjaro in 2026. This is a deliberate decision by Lilly — Mounjaro is a diabetes drug and Lilly funnels diabetes patients to commercial insurance, Medicare, and Medicaid pathways instead of charity assistance.

If you can't afford Mounjaro and you're low-income:

• Best option: Ask your prescriber if Zepbound is a clinically appropriate alternative. Same active molecule (tirzepatide). Different brand. Zepbound IS on Lilly Cares.
• Check whether your state Medicaid plan covers Mounjaro for diabetes — most do.
• If you're on Medicare Part D, Mounjaro is typically a tier 3 or tier 4 drug; copays are high but it is generally covered for type 2 diabetes.
• Self-pay via LillyDirect for the cheapest non-insurance brand-name price.

Zepbound Savings Card & Assistance Programs

Zepbound (tirzepatide) is Eli Lilly's FDA-approved formulation of tirzepatide for chronic weight management and obstructive sleep apnea. Same active ingredient as Mounjaro, different brand, different cost-help landscape.

Zepbound Savings Card

Two-tier structure that mirrors Mounjaro's:

• If commercially insured AND your plan covers Zepbound: Copay drops to $25/month. Max savings $1,950/year over 13 fills.
• If commercially insured AND your plan does NOT cover Zepbound: Up to $650 off per fill. Net price ~$436/month.

Card expires December 31, 2026. The harsh reality: only roughly 30–40% of commercial insurance plans currently cover Zepbound for weight management. Most cardholders end up on the "up to $650 off" track, which lands you at $436/month — meaningfully higher than several self-pay alternatives. Always compare the savings card net price against Zepbound self-pay options like LillyDirect, which often runs $299/month for the starter doses.

For Medicare beneficiaries who can't use the savings card, Zepbound (KwikPen formulation only) is one of three medications covered under the Medicare GLP-1 Bridge Program at $50/month starting July 1, 2026. If you're on Medicare, check the Bridge eligibility checker before assuming cash-pay is your only path.

Zepbound via LillyDirect

Eli Lilly sells Zepbound vials directly to consumers through LillyDirect, no insurance required. This isn't a savings card — it's a self-pay channel. Prices vary by dose strength (2.5 mg starter doses are cheapest), with free home delivery. For uninsured patients whose income is above the Lilly Cares PAP threshold, LillyDirect is typically the cheapest brand-name route.

Lilly Cares PAP for Zepbound

Zepbound IS on the Lilly Cares Foundation's covered-medications list. Eligibility:

• U.S. resident
• Household income at or below 400% of federal poverty level (~$62,400/year single, ~$128,600/year family of four in 2026)
• No commercial drug coverage for Zepbound, or non-covered plan
• Prescriber-signed application with medical necessity documentation

Apply at lillycares.com. Approval typically takes 4–8 weeks. Approved patients receive Zepbound shipments at no cost, sent to the prescriber's office for distribution. Renewal is annual and requires updated income verification.

Ozempic Savings Card & Novo Nordisk PAP

Ozempic (semaglutide) is Novo Nordisk's FDA-approved formulation of semaglutide for type 2 diabetes and cardiovascular risk reduction. It's the most prescribed GLP-1 in the U.S. and has the most mature cost-help ecosystem.

Ozempic Savings Card

• Caps your Ozempic copay at $25/month for commercially insured patients.
• Maximum savings: $100/month (so if your plan's negotiated price minus your normal copay leaves you owing more than $125, the card maxes out and you pay the rest).
• Valid for up to 24 months per patient.
• Only valid if your plan covers Ozempic. Unlike Lilly's cards, the Novo Nordisk card has no "uncovered" track.
• Government insurance (Medicare, Medicaid, Tricare, VA) disqualifies you.

How to activate: visit ozempic.com, click "Savings Card," confirm commercial insurance, save or print the card, present at pharmacy.

Ozempic Coupons for Uninsured Patients

There is no Novo Nordisk-issued "coupon" that works for uninsured Ozempic patients. The savings card is the only manufacturer-issued discount mechanism, and it requires commercial insurance. If you're uninsured and want Ozempic, your real options are:

• NovoCare PAP (free medication if income-qualified — see below)
• NovoCare self-pay — Novo's direct-to-consumer cash channel, no insurance required
• GoodRx or other discount cards — typically don't apply to Ozempic since it's a brand-name drug under patent
• Compounded semaglutide via telehealth — not Ozempic specifically, but the same active ingredient (semaglutide) prescribed by providers like Hims, Ro, Yucca, or Sprout, typically $99–$275/month. Verify any provider's legitimacy before signing up.

NovoCare Patient Assistance Program

NovoCare's PAP provides Ozempic and Wegovy at no cost for qualifying patients. This is the program that produces real "Ozempic for free" outcomes — for the people who qualify, it's a genuine zero-dollar option.

Eligibility:

• U.S. resident
• No prescription drug coverage, OR insurance that doesn't cover the specific 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 the patient and prescriber sections, submit with proof of income (most recent tax return or pay stubs). Approval takes 4–8 weeks. Once approved, the medication ships to your prescriber's office monthly for you to pick up.

Critically: NovoCare PAP accepts Medicare and Medicaid beneficiaries. This is the most important distinction between the PAP and the savings card. If you're on Medicare or Medicaid and your plan doesn't cover Ozempic (or charges high copays), the PAP is your path to free medication.

Wegovy Savings Card & Coverage Assistance

Wegovy (semaglutide) is Novo Nordisk's FDA-approved formulation of semaglutide for chronic weight management. Same active ingredient as Ozempic, different brand, different coverage landscape.

Wegovy Savings Card

Caps your Wegovy copay at $25/month for commercially insured patients whose plans cover Wegovy. Same structure as Ozempic — single-track card, commercial insurance required, no "uncovered plan" rebate option. Works for both the injection and the oral tablet (approved January 2026).

The harder part of Wegovy than the savings card itself is getting commercial insurance to cover it. Wegovy is a weight-management drug and many employer plans exclude weight-loss medications entirely. If your plan excludes Wegovy, the savings card does nothing for you.

Workarounds for Wegovy coverage:

• Submit a prior authorization request through your doctor — many denials reverse on appeal with proper documentation of medical necessity
• If your plan covers GLP-1s for diabetes but not weight loss, ask whether you have a qualifying clinical indication that would shift Wegovy onto the diabetes formulary path
• Pursue self-pay through NovoCare's direct channel — typically $149/month for the starter dose of the tablet, comparable for injection starter
• For Medicare beneficiaries: the Medicare GLP-1 Bridge covers Wegovy at $50/month starting July 1, 2026 if you qualify (take the eligibility checker)

NovoCare PAP for Wegovy

Same program as Ozempic — see above. Same eligibility (U.S. resident, ≤400% FPL, no coverage or non-covered plan, medical necessity), same approval timeline (4–8 weeks), same outcome (free medication shipped to your prescriber). Wegovy and Ozempic are processed under the same NovoCare application — you specify which medication you've been prescribed.

Foundayo Savings Card

Foundayo (orforglipron) is Eli Lilly's oral GLP-1 receptor agonist, FDA-approved April 1, 2026 for chronic weight management. It's the first weight-loss GLP-1 pill with no food or water restrictions. As a brand-new launch, the cost-help ecosystem is still rolling out — what's available today:

Foundayo Savings Card

• Drops your copay to $25 per fill with commercial insurance that covers Foundayo.
• Same eligibility rules as the Mounjaro and Zepbound cards — commercial insurance only, no government coverage.
• Because Foundayo was approved in April 2026, formal coverage decisions from most commercial plans are still pending. Many plans haven't added it to their formularies yet. Expect the card to become more practically useful in the second half of 2026 as coverage decisions land.

Foundayo via LillyDirect

The most reliable Foundayo cost path in mid-2026 is LillyDirect's self-pay channel. Foundayo's starter dose (0.8 mg) is priced at $149/month with free home delivery, scaling up to $299–$349/month at maintenance doses. For details on the full dose ladder, see our oral GLP-1 cost comparison.

Lilly Cares for Foundayo

Foundayo is expected to be added to the Lilly Cares Foundation covered-medications list in mid-to-late 2026 once the launch matures. Check lillycares.com directly for the current covered-medications list before applying — Foundayo status may have changed since this article's last update.

Medicare Bridge Coverage

Foundayo is one of three weight-loss GLP-1s covered under the Medicare GLP-1 Bridge Program at a flat $50/month for qualifying Medicare beneficiaries starting July 1, 2026. If you're on Medicare and considering Foundayo, the Bridge is almost certainly the cheapest available pathway. Take the eligibility checker to confirm in under a minute.

Other GLP-1 Savings Programs Worth Knowing

Beyond the headline brands, several other prescription products in the GLP-1 and adjacent categories have savings card or PAP options. Less frequently searched, but worth knowing if your prescriber suggests one:

Saxenda (liraglutide)

Novo Nordisk's first weight-loss GLP-1 (a daily injection, predecessor to Wegovy). Saxenda Savings Card caps commercial copays at $25/month, max savings ~$200/month, similar to Wegovy. NovoCare PAP covers Saxenda for income-qualified patients with no commercial coverage. A generic liraglutide is expected to enter the U.S. market and will likely undercut Saxenda's branded price; check for current status if pursuing this path.

Trulicity (dulaglutide)

Eli Lilly's once-weekly GLP-1 for type 2 diabetes. Trulicity Savings Card drops commercial copay to $25/month — same structure as Mounjaro's "covered plan" track. Lilly Cares does cover Trulicity for income-qualified patients with no commercial coverage. Trulicity is sometimes positioned as a less-expensive Ozempic alternative for diabetes patients whose insurance doesn't cover Ozempic.

Victoza (liraglutide)

Novo Nordisk's older daily GLP-1 for type 2 diabetes. Some plans still cover Victoza on lower formulary tiers than Ozempic, which can make the cash math better even before savings cards. NovoCare savings card and PAP both apply.

Xultophy (insulin degludec/liraglutide)

Novo Nordisk's combination of basal insulin and the GLP-1 liraglutide, for type 2 diabetes patients who need both. Xultophy Savings Card brings commercial copay to roughly $25/month for covered plans. NovoCare PAP covers Xultophy. Note: this is a diabetes-only product — not relevant for weight-loss searches.

Soliqua (insulin glargine/lixisenatide)

Sanofi's basal insulin and GLP-1 combination, also diabetes-only. Sanofi runs a Soliqua Savings Card and a Patient Assistance Connection program for income-qualified uninsured patients. Eligibility and caps differ from Lilly and Novo programs — check the Sanofi patient resource site for current details before applying.

Glyxambi (empagliflozin/linagliptin)

Boehringer Ingelheim/Lilly diabetes combination — an SGLT2 + DPP-4 inhibitor, not actually a GLP-1. Frequently surfaces in GLP-1 searches due to overlap in the diabetes drug class. Glyxambi has its own savings card program (different from the Mounjaro/Trulicity Lilly cards). If your doctor recommended Glyxambi specifically, the card site is glyxambi.com.

What to Do If You Have Medicare or Medicaid

The blanket rule: manufacturer savings cards do not work with Medicare, Medicaid, Tricare, the VA, or any federally-funded plan. Federal anti-kickback statutes prohibit it, and the manufacturer cannot waive that prohibition. This is the single biggest source of cost-help confusion among Medicare-eligible adults — the savings card mechanism that lets commercially insured neighbors pay $25/month doesn't apply.

Your real cost-help paths if you're on government insurance:

1. Verify your plan covers the medication first. Many Part D plans cover Ozempic and Mounjaro for type 2 diabetes; Medicaid coverage varies enormously by state (see state-by-state Medicaid coverage). Copays for covered drugs are typically much lower than retail.
2. For Ozempic and Wegovy specifically: NovoCare PAP accepts Medicare and Medicaid beneficiaries. If you qualify on income (≤400% FPL), you can receive Ozempic or Wegovy at no cost even while on Medicare.
3. For Zepbound, Mounjaro, Foundayo: Lilly Cares PAP eligibility for Medicare beneficiaries is more limited and product-specific — check lillycares.com for the current rules.
4. For weight-loss GLP-1s (Wegovy, Zepbound KwikPen, Foundayo): The Medicare GLP-1 Bridge Program launches July 1, 2026 and covers all three at a flat $50/month for qualifying beneficiaries. Take the free eligibility checker to find out if you qualify in under a minute.
5. For diabetes-indicated GLP-1s (Ozempic, Mounjaro, Trulicity): Standard Part D coverage continues to apply on its usual terms. The Bridge does not affect these.

Compounded GLP-1 Alternatives: When You Don't Qualify for Savings Cards

If you don't qualify for any savings card or PAP — say, you're uninsured and above the 400% FPL income threshold, or you're on Medicare but don't qualify for the Bridge — compounded GLP-1s through licensed telehealth providers are the realistic next option. Compounded semaglutide and tirzepatide are the same active ingredients as the brand-name medications, dispensed by FDA-registered compounding pharmacies under a prescriber's order.

Typical 2026 pricing from licensed telehealth providers:

• Oak — $133/month for compounded semaglutide, $199/month for tirzepatide (flat across dosages, no membership or consultation fees)
• Hims — Wegovy Pill from $149/month, Zepbound from $299/month (with $39 first-month then $149/month renewal membership)
• Yucca, Sprout, SHED, Wellorithm — compounded options with pricing typically revealed during the intake flow

The advantage of compounded over savings-card-discounted brand-name: you're not dependent on insurance coverage or income thresholds. The trade-off: compounded products are not FDA-approved the way the brand-name versions are. The FDA has issued warnings about some compounded semaglutide products. Before signing up with any telehealth provider, work through the provider legitimacy checklist — it covers the six verification steps that separate licensed telehealth platforms from scam sellers that have become common in this market.

For a head-to-head comparison of every active telehealth provider with full fee breakdown (membership, consultation, shipping), use our comparison tool — sorted by total monthly cost, with the verified-provider snapshot for every listed brand.

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. PAPs do work on Medicare/Medicaid — that's the workaround.

2. The Novo cards don't help if your plan doesn't cover the drug

Ozempic and Wegovy savings cards are pure copay reducers — they require your insurance to be paying part of the bill. If your plan excludes the medication, the card does nothing. Eli Lilly's cards have a separate "up to $X off" track for non-covered plans (a meaningful distinction at the brand level), but Novo Nordisk's don't. Workaround for non-covered Ozempic/Wegovy: appeal the coverage decision, switch to a covered formulation if clinically appropriate, or pursue NovoCare's self-pay or PAP channel.

3. Lilly's "up to $X off" often lands worse than self-pay

Lilly's savings card structure for non-covered commercial plans ("up to $499 off Mounjaro" or "up to $650 off Zepbound") sounds substantial but often lands at a net price worse than LillyDirect self-pay. Always compare:

• Mounjaro: savings card net ~$571 vs. LillyDirect self-pay — LillyDirect usually wins
• Zepbound: savings card net ~$436 vs. LillyDirect self-pay $299 — LillyDirect wins by $137/month

The savings card is the right answer when your plan covers the drug (you actually get to $25/month). When your plan doesn't cover it, run the math both ways before activating the card.

How to Maximize Your Savings: Step-by-Step

You can't stack savings cards with other discounts (GoodRx, TrumpRx, manufacturer self-pay). Pick one path. Here's the decision tree, ordered by who gets the best price:

1. Commercial insurance + plan covers the drug? Activate the savings card. You'll pay $25/month. Stop here.
2. Commercial insurance + plan does NOT cover the drug? Compare savings card net price (for Lilly products only) against LillyDirect or NovoCare self-pay. Pick the cheaper of the two.
3. Uninsured AND household income ≤ 400% FPL? Apply to NovoCare PAP (for Ozempic, Wegovy) or Lilly Cares (for Zepbound, Foundayo). Approval takes 4–8 weeks — bridge with self-pay or compounded if you need to start sooner.
4. Uninsured AND income above 400% FPL? LillyDirect or NovoCare self-pay for brand-name. Compounded semaglutide / tirzepatide from a verified telehealth provider for the cheapest path.
5. Medicare beneficiary? Verify Part D coverage first. For weight-loss GLP-1s, take the Medicare Bridge eligibility checker — $50/month if you qualify. NovoCare PAP if income-qualified.
6. Medicaid beneficiary? Check your state's coverage (most cover diabetes-indicated GLP-1s; weight-loss coverage varies widely — see state-by-state Medicaid coverage). If your state covers it, that's typically your cheapest path. If not, PAP if income-qualified.

Frequently Asked Questions

How do I get the Mounjaro $25 savings card?

Sign up at mounjaro.com by entering your prescription details and confirming you have commercial insurance (not Medicare, Medicaid, Tricare, VA, or any government-funded plan). The $25/month copay only applies when your commercial plan covers Mounjaro. If your plan does NOT cover Mounjaro, the same card offers up to $499 off per fill — but your net cost will land near $571/month, not $25. Activate the card before your next fill and present it at the pharmacy along with your insurance card.

Does Lilly Cares cover Mounjaro?

No. Mounjaro is NOT on the Lilly Cares Foundation's covered-medications list as of May 2026. If you can't afford Mounjaro and you're income-qualified, the best workaround is to ask your prescriber whether Zepbound is clinically appropriate instead — same active molecule (tirzepatide), and Zepbound IS on Lilly Cares.

Does Lilly Cares cover Zepbound?

Yes. Zepbound is on Lilly Cares' covered list for U.S. residents with household income at or below 400% FPL (~$62,400/year single, ~$128,600/year family of four in 2026) and no commercial coverage. Apply at lillycares.com. Approval takes 4–8 weeks; approved patients receive Zepbound at no cost.

Can I get Ozempic for free?

Yes, if you qualify for the NovoCare Patient Assistance Program. Requirements: U.S. resident, household income ≤ 400% FPL, no insurance or insurance that doesn't cover Ozempic. NovoCare PAP accepts Medicare and Medicaid beneficiaries, unlike the savings card. Apply at novocare.com.

Is there a patient assistance program for Mounjaro?

No dedicated PAP exists for Mounjaro. Lilly Cares does not cover Mounjaro. Workarounds: ask your doctor about Zepbound substitution (Lilly Cares does cover Zepbound), use the Mounjaro savings card if commercially insured, or check Medicare/Medicaid coverage for diabetes indication.

What if I have Medicare — can I use savings cards?

No. Federal anti-kickback statutes prohibit manufacturer copay assistance on Medicare prescriptions. Your alternatives: (1) check Part D coverage, (2) apply to NovoCare PAP (which accepts Medicare) for Ozempic or Wegovy, (3) watch for the Medicare GLP-1 Bridge Program launching July 1, 2026 at $50/month for Wegovy, Zepbound KwikPen, and Foundayo if eligible. Take the free eligibility checker to find out.

What are the income requirements for GLP-1 patient assistance?

Both NovoCare and Lilly Cares use 400% of the federal poverty level as the general threshold. In 2026, that's approximately $62,400/year for a single person, $84,600/year for a household of two, $106,800/year for three, and $128,600/year for four. Both programs require proof of income (tax return or pay stubs) plus a prescriber-signed application.

Do savings cards work for uninsured patients?

Not the Novo Nordisk cards (Ozempic, Wegovy) — they only reduce existing copays, so you need commercial insurance. The Eli Lilly cards (Mounjaro, Zepbound, Foundayo) have a separate "up to $X off" track for commercially insured patients whose plans don't cover the drug — but you still need commercial insurance. If you have no insurance at all, your real options are PAPs (if income-qualified), manufacturer self-pay (LillyDirect, NovoCare), or compounded telehealth alternatives like Oak at $133/month.

Sources & References

• Eli Lilly — mounjaro.com, zepbound.lilly.com, foundayo.lilly.com (savings card programs); lillycares.com (PAP); lillydirect.lilly.com (self-pay)
• Novo Nordisk — ozempic.com, wegovy.com (savings cards); novocare.com (PAP + self-pay)
• Sanofi — soliqua.com and Sanofi Patient Connection program
• Medicare — medicare.gov for Part D coverage; CMS for the GLP-1 Bridge Program details
• Federal Poverty Level 2026 — U.S. Department of Health and Human Services annual update