Estimate monthly out-of-pocket costs for Ozempic, Wegovy, Mounjaro, and Zepbound.
Drug prices are estimates based on average wholesale prices and may not reflect your actual cost. Insurance coverage varies significantly. This tool is for informational purposes only and is not medical advice.
Brand-name GLP-1s (Ozempic, Wegovy, Mounjaro, Zepbound) list for roughly $960–$1,350 a month. The tool models your out-of-pocket as min(base price × plan share, monthly OOP cap), so insurance pays the rest up to your plan's limit, then a manufacturer savings card (e.g. NovoCare, ~$150–$225/month) is subtracted. Pharmacy choice matters too — cash-discount programs like GoodRx typically price 5–25% below the cash register. Uninsured, the same script runs close to full list price all year; after patent expiry (estimated ~2032 for semaglutide, ~2036 for tirzepatide) generics could cut costs by 80–90%.
Ozempic example under an employer plan with a savings card. The same pipeline applies to Wegovy, Mounjaro and Zepbound with different list prices and coupons.
Tyler fills Ozempic monthly under employer insurance with the NovoCare savings card. Retail list is $968/month; the CVS multiplier in this tool prices it at 0.95×, and his plan caps his 20% copay at $300.
To estimate GLP-1 costs: pick your medication and dose, then toggle insurance, manufacturer savings card, or cash pay — the calculator compares all paths side by side including telehealth and compounding options.
FreeToolHub GLP-1 Cost Calculator is a free browser-based tool that compares monthly costs of Wegovy, Ozempic, and Zepbound across insurance, savings cards, and cash pay, no signup.
Compare Ozempic, Wegovy and Mounjaro costs with and without insurance. Free, private.
This calculator compares the real monthly cost of GLP-1 medications — Ozempic, Wegovy, Mounjaro, Zepbound — across every payment path available in 2026: commercial insurance with copay, manufacturer savings cards, Medicare Part D if covered, telehealth cash programs, and full retail pharmacy pricing. Enter your medication, dose tier, and insurance situation, and the tool builds the cost per month and per year under each path, flagging eligibility constraints — savings cards exclude government-insured patients, doses escalate over the ramp-up schedule, and coverage for weight-loss indications remains plan-specific. The result is the true out-of-pocket number for the path you can actually use.
Patients prescribed a GLP-1 facing a four-figure retail sticker compare insured copay, savings-card, and cash-pay options before the first fill. People considering treatment budget the ramp year, when dose escalation changes monthly cost twice or more. Medicare and Medicaid beneficiaries, excluded from manufacturer cards, see what their Part D tier or alternatives realistically cost. Employers and benefits teams modeling plan design get the cost spread across paths in one view. Anyone weighing brand versus compounded options sees the price gap and its legal context by state.
(1) Select your medication and current or target dose — prices step up with the dose tier across the ramp schedule. (2) Set your insurance situation: commercial, Medicare, or uninsured, plus any known formulary tier. (3) Toggle savings-card eligibility — commercially insured only — and telehealth cash options where relevant. (4) The calculator outputs monthly and annual cost per path, ranks them, and notes the constraints attached to each: prior authorization, step therapy, dose escalation timing, and card annual caps.
The pricing system layers five mechanisms over one list price. List price runs $900–$1,600 monthly depending on drug and dose. Commercial insurance may cover diabetes indications broadly while excluding weight-loss labels, or cover both with prior authorization and step therapy. Manufacturer savings cards then buy down insured copays to $25–$550 per fill for eligible commercially insured patients — capped annually, and federally barred for Medicare and Medicaid. Medicare Part D coverage expanded under negotiated-price provisions for some agents, but tiering and coverage-gap dynamics still vary by plan. Cash alternatives — telehealth programs and, where state law permits, compounded semaglutide during shortage-era rules — undercut retail substantially, with legal availability shifting by state and shortage status. The practical consequence: two neighbors on identical prescriptions can pay $25 and $1,300 for the same month, which is why comparing your specific path — not the headline price — is the only calculation that matters. This tool runs that comparison for your exact situation.
List price runs roughly $1,300–$1,600 per month in the US for the branded GLP-1. Compounded semaglutide and telehealth programs undercut that, and manufacturer savings cards cut insured copays.
Coverage is split — many plans cover GLP-1s for diabetes but exclude weight-loss indications. Coverage for Wegovy and Zepbound expanded through 2025–2026 among large employers but remains minority-wide.
Manufacturer programs typically reduce copays to $25–$550 per fill for eligible commercially insured patients, capped annually. Medicare and Medicaid patients are excluded by federal rules.
Ranking by cost: insurance plus savings card, telehealth compounded programs where legally available, cash-pay pharmacy discount cards, and full retail. The calculator compares all four paths on your dose.
List prices without insurance: Ozempic (semaglutide) runs approximately $969/month, Wegovy approximately $1,349/month, and Mounjaro (tirzepatide) approximately $1,086/month. With commercial insurance copay cards, patients often pay $25-$150/month. This calculator compares all three with and without coverage to find your lowest-cost option.
Yes. It includes Novo Nordisk and Eli Lilly copay card eligibility (commercial insurance only, not Medicare/Medicaid), typical savings of $800-$1,200/month, and 90-day pharmacy pricing. Enter your insurance type to see which programs you qualify for and your estimated monthly out-of-pocket.
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