Zepbound & Mounjaro Savings Card (2026): $25/mo Copay + $1,300 Annual Savings

Verified July 2026: The Zepbound savings card reduces your copay to $25 per fill if you have commercial insurance that covers Zepbound, with a maximum annual savings of $1,300. The Mounjaro savings card offers the same $25 copay for type 2 diabetes patients. Both cards expire December 31, 2026, and can be activated in under 2 minutes at zepbound.lilly.com/savings. You'll receive a BIN, PCN, and Group number to present at the pharmacy. Eligibility requires commercial (not government) insurance, Medicare, Medicaid, TRICARE, and VA patients are excluded by federal law.

Quick answer by insurance status:

• •Commercial insurance + Zepbound coverage: $25/month via savings card, $1,300/year max savings
• •Commercial insurance but Zepbound NOT covered: $650/month max savings, effectively reduces Zepbound cost to $473/month
• •No insurance: LillyDirect lists the 2.5mg starter vial at $299/mo, 5mg at $399/mo, and 7.5mg+ at $449/mo when refill conditions are met
• •Medicare/Medicaid/TRICARE/VA: Savings card NOT eligible. Use Medicare Part D Bridge live as of July 2026 ($50/mo copay).
• •Comparing advertised compounded tirzepatide prices: Gala $149/mo yearly-plan microdose ($169/mo on its 3-month plan) or Enhance MD from $99 first month; availability or a documented rationale alone does not establish compliance with applicable 503A/503B and state-law conditions

This guide covers the full eligibility requirements, activation steps, how to use the card at your pharmacy, what to do if you're denied, and all backup options for uninsured, underinsured, or government-insured patients. See also tirzepatide cost breakdown for every pricing pathway.

Zepbound Savings Card: How It Works

The Zepbound Savings Card is a manufacturer copay assistance program from Eli Lilly that reduces your out-of-pocket cost at the pharmacy. Here are the 2026 terms:

How to activate: Visit zepbound.lilly.com/savings, enter your insurance details and personal information, then download your digital savings card. You'll receive a BIN, PCN, and Group number, present the QR code or card details at the pharmacy when filling your prescription.

Zepbound Savings Card Without Insurance Coverage

If you have commercial insurance but your plan does NOT cover Zepbound, the savings card still offers a discount, but significantly less:

Mounjaro Savings Card: How It Differs

Mounjaro and Zepbound contain the exact same drug (tirzepatide) but are approved for different conditions. Mounjaro is approved for type 2 diabetes. Zepbound is approved for weight loss. Each has its own savings card with slightly different terms:

Key difference: If you have type 2 diabetes AND need to lose weight, your doctor may prescribe Mounjaro instead of Zepbound. Insurance is more likely to cover Mounjaro for diabetes, and the Mounjaro savings card has a higher annual maximum ($1,950 vs $1,300). The drug and dose are identical.

Who Is NOT Eligible for the Savings Card

The Zepbound and Mounjaro savings cards are NOT available to patients with government-funded insurance. You cannot use these savings cards if you have:

• •Medicare (including Part D, Medicare Advantage, Medigap)
• •Medicaid or any state Medicaid program
• •TRICARE, VA benefits, or Department of Defense healthcare
• •Any state pharmaceutical assistance program
• •No commercial/private insurance at all, the card requires an active insurance plan

What to Do If You Don't Qualify for the Savings Card

If you can't use the savings card, here are your best alternatives for affordable tirzepatide in 2026, ranked by cost:

• •Compounded tirzepatide (advertised around $149 to $300/mo), These products are not FDA-approved as Zepbound, are not approved generics, and have not been established by FDA as identical or equivalent. FDA resolved the tirzepatide shortage on October 2, 2024; continued compounding must satisfy case-specific section 503A or 503B and state-law conditions rather than the former shortage pathway. Gala advertises $149/mo on a yearly microdose plan ($169/mo on its 3-month plan), while Enhance MD advertises $99 for the first month and $280/mo after. Price and availability do not establish legal compliance; check current terms at cheapest tirzepatide.
• •LillyDirect vials ($299 to $449/mo), Brand-name Zepbound directly from Eli Lilly without needing insurance. Higher cost but FDA-approved product with auto-injector convenience.
• •Switch to semaglutide, If cost is the primary concern, compare Embody from $79 on a selected plan with Enhance MD at $49 for the first month, then $212/mo. Compounded products are not FDA-approved finished drugs, and their outcomes cannot be assumed from brand Wegovy trials. See the semaglutide vs tirzepatide comparison.
• •Medicare (July 2026), Brand-name Zepbound at $50/month through the GLP-1 Bridge Demonstration program. Requires Part D enrollment and BMI 30+ (or 27+ with comorbidity).
• •Eli Lilly Patient Assistance Program, For uninsured patients with household income below 400% of the federal poverty level, Lilly may provide Zepbound at no cost. Contact 1-800-545-6962.
• •Take the match quiz, Our 7-question quiz recommends the best provider based on your insurance status, budget, and medication preference.

How to Check If Your Insurance Covers Zepbound

• •Call the number on your insurance card and ask: "Is Zepbound (tirzepatide) on my formulary for weight management?" If yes, ask about your tier and copay amount.
• •Check your plan's drug formulary online, most insurers publish searchable formulary lists. Look for Zepbound by brand name.
• •Ask about step therapy or prior authorization, some plans require trying other medications first (like Wegovy) or getting a prior authorization from your doctor before approving Zepbound.
• •Use our insurance lookup tool, Our insurance lookup can help estimate what you'll pay based on your plan type.
• •Consider Mounjaro if you have T2D, If you have both type 2 diabetes and need weight loss, Mounjaro may have better formulary coverage than Zepbound since it's been approved longer.

Frequently Asked Questions

Can I use the Zepbound savings card with Medicare? No. Federal law prohibits manufacturer copay assistance programs for Medicare beneficiaries. However, as of July 1, 2026, Medicare Part D covers Zepbound at $50/month through the GLP-1 Bridge Demonstration program. See our Medicare coverage guide.

What if my insurance denies Zepbound coverage? The savings card still offers a partial discount (roughly $499/month). But compounded tirzepatide through Enhance MD from $99 first month ($280/month after) or Shed at $299/month is a much cheaper alternative. See all options at our cheapest tirzepatide ranking.

Is the Mounjaro savings card the same as the Zepbound savings card? No, they are separate programs for different FDA-approved indications. Mounjaro is for type 2 diabetes, Zepbound is for weight loss. The drug (tirzepatide) is identical. Mounjaro's card has a higher annual savings cap ($1,950 vs $1,300).

How long does the Zepbound savings card last? The current Zepbound savings card expires December 31, 2026. Eli Lilly typically renews the program annually, but they reserve the right to modify or terminate it at any time.

Can I get tirzepatide without insurance at all? Yes. You don't need insurance to get tirzepatide. Compounded tirzepatide through telehealth providers starts at $149/month with no insurance required. Enhance MD, Shed, and Sprout Health all accept cash-pay patients. See all options at cheapest tirzepatide.

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