2026 Coverage Update: Wegovy Has Advantages
Good news for Wegovy patients:
- CVS Caremark made Wegovy their preferred GLP-1 (glucagon-like peptide-1, a class of weight loss medication) in July 2025, when Zepbound became nonpreferred or excluded on some (its most common) commercial template formularies (lists of covered drugs) (Since October 1, 2026, Zepbound is back on CVS Caremark’s commercial template formularies as an additional preferred option (plan sponsors can customize))[1]
- Medicare: Part D may cover Wegovy for cardiovascular risk reduction (FDA approved March 8, 2024 (Wegovy injection)), and the Medicare GLP-1 Bridge covers it for weight loss for $50 per monthly fill if you qualify[2]
- Oral Wegovy approved December 2025—new option if you prefer pills over injections[3]
Always verify current requirements with your specific plan—rules change frequently.
WHAT YOU'RE ACTUALLY FACING
The Reality of Getting Approved
What Many Patients Don't Know About GLP-1 Prior Authorization
88% of patients with Wegovy coverage still face restrictions like prior authorization (PA) or step therapy (trying cheaper drugs first).[4] But here's what most people don't know: ~60% of first appeals succeed for GLP-1 medications—yet 88% of eligible patients never even try to appeal.[9]
Translation: If you're denied, appeal. The odds are in your favor—but only if you actually do it.
Your Real Approval Odds by Insurer
| Insurer | Difficulty | Why | Your Best Move |
|---|---|---|---|
| CVS Caremark | Easier | Wegovy is PREFERRED over Zepbound | Request Wegovy first—it's preferred |
| UHC | Harder | Requires BMI (body mass index) ≥40 (stricter than Zepbound) | Try CV pathway if you have established cardiovascular disease |
| BCBS | Varies | State-dependent; some affiliates dropping coverage | Check your specific state policy |
| Cigna | Moderate | 3 months behavioral mod required | Document diet/exercise for 3+ months |
| Aetna | Harder | Lifestyle documentation emphasized | Document prior diet/exercise thoroughly |
How Long This Actually Takes
Start the process early. Don't wait until you're out of medication.
Wegovy's Unique Advantage: Cardiovascular Indication
Wegovy is FDA-approved for cardiovascular risk reduction—the first weight-loss medication approved to reduce cardiovascular risk (FDA, March 8, 2024, Wegovy injection)—for adults with established cardiovascular disease and either obesity or overweight.
On March 8, 2024 (Wegovy injection), the FDA approved Wegovy injection to reduce heart attacks, strokes, and cardiovascular death in adults with established cardiovascular disease and either obesity or overweight (BMI ≥27); the tablets got the same indication with their approval on December 22, 2025 (Wegovy tablets). The SELECT trial showed a 20% reduction in major cardiovascular events.[2]
Why this matters for coverage:
- Wegovy may be covered under Medicare Part D for the CV indication, subject to the plan’s formulary, prior authorization and exceptions process (basic Part D excludes weight loss alone; the Medicare GLP-1 Bridge is separate)
- Plans that exclude obesity drugs may still cover cardiovascular medications
- Stronger medical necessity case for appeals
Do you qualify? If you have documented cardiovascular disease (prior heart attack, stroke, peripheral artery disease) AND BMI ≥27, ask your doctor about the CV indication pathway. See full CV requirements below →
WHAT YOU NEED TO KNOW
PA Requirements Overview
Getting prior authorization (PA) for Wegovy isn't a mystery—it's a checklist. Insurers have specific criteria, and if you meet them with proper documentation, approval is much more likely. If you don't, or your documentation is incomplete, you'll be denied.
This guide gives you the exact requirements by insurer, what documentation to gather, and how Wegovy's cardiovascular indication can open additional coverage pathways.
The Bottom Line
Most insurers require:
- BMI ≥30, or BMI ≥27 with a weight-related health condition
- 6 months of documented diet and exercise (actual records, not just your word)
- Step therapy—trying cheaper weight loss medications first and showing they didn't work
Initial approvals last 6 months. To renew, you must show you've lost at least 5% of your body weight.[5]
2026 PA CRITERIA
Requirements by Insurer
Wegovy BMI Requirements & Eligibility Criteria
Each insurer sets their own PA criteria. Here's what the major plans require as of January 2026:
| Insurer | BMI Required | Must Try Other Meds First? | Diet/Exercise Records | Approval Length |
|---|---|---|---|---|
| CVS Caremark | ≥30, or ≥27 with health condition | None for Wegovy (preferred) | 6 months required | 6 months |
| BCBS | ≥30, or ≥27 with health condition* | Yes (3-month trial) | 6 months required | 6 months |
| UnitedHealthcare | ≥40, or ≥30 with health condition | Yes (lifestyle documentation) | 6 months required | 5 months |
| Aetna | ≥30, or ≥27 with health condition | Lifestyle 6mo only | 6 months program | 6-8 months |
| Cigna | ≥30, or ≥27 with health condition | 3mo behavioral + diet | 3 months minimum | Varies by plan |
| Humana | ≥30, or ≥27 with health condition | Yes (varies by plan) | 6 months required | 6 months |
What counts as a "weight-related health condition"? Type 2 diabetes, high blood pressure, high cholesterol, sleep apnea, or cardiovascular disease.
*Some BCBS affiliates have stricter requirements. BCBS Michigan ended GLP-1 weight loss coverage for most plans in January 2025.[6]
Note: Requirements vary by specific plan. Self-funded employer plans may have different criteria. Always verify with your plan directly.
CVS Caremark: Wegovy is PREFERRED
Good News
Wegovy is CVS Caremark's preferred GLP-1 for weight loss. When CVS Caremark made Zepbound nonpreferred or excluded on some (its most common) commercial template formularies in July 2025, it kept Wegovy as the preferred option. Since October 1, 2026, Zepbound is back on CVS Caremark’s commercial template formularies as an additional preferred option (plan sponsors can customize).[1]
What this means for you:
- No step therapy requiring you try other GLP-1s first
- Standard PA process (not formulary exception)
- Easier renewal if you show 5% weight loss
Requirements:
- BMI: ≥30, or ≥27 with a related health condition
- Diet/exercise: 6 months documented
- To renew: Must lose at least 5% of body weight
Blue Cross Blue Shield (BCBS)
Key 2025-2026 Changes: BCBS Michigan ended all GLP-1 weight loss coverage for most plans effective January 1, 2025.[6] Requirements vary significantly by state affiliate.
- BMI: Typically ≥30, or ≥27 with a related health condition (some affiliates require ≥35)
- Health conditions accepted: Type 2 diabetes, high blood pressure, high cholesterol, sleep apnea, cardiovascular disease
- Must try first: 3-month trial of one cheaper medication (orlistat, phentermine, Contrave, or Qsymia)
- Diet/exercise: 6 months of documented program records
- To renew: Must lose at least 5% of body weight in first 6 months
UnitedHealthcare (UHC)
Key Note: UHC's Wegovy criteria may be stricter than Zepbound—some plans require BMI ≥40 for Wegovy vs ≥30 for Zepbound. UHC also gives Wegovy a shorter initial approval (5 months vs 6 months for Zepbound).[7]
- BMI: ≥40, or ≥30 with a related health condition (stricter than some competitors)
- Health conditions accepted: Type 2 diabetes, high blood pressure, sleep apnea, high cholesterol, cardiovascular disease
- Must try first: Lifestyle documentation required
- Diet/exercise: 6 months of supervised weight loss attempts
- To renew: Must lose at least 5% of body weight
- Initial approval: 5 months (shorter than typical 6 months)
Aetna
- BMI: ≥30, or ≥27 with at least one related health condition
- Health conditions accepted: Type 2 diabetes, high blood pressure, high cholesterol, sleep apnea, cardiovascular disease
- Must try first: Lifestyle program only (no medication step therapy required)
- Diet/exercise: 6 months of documented diet and exercise records
- To renew: Must lose at least 5% of body weight and keep taking the medication
Cigna
- BMI: ≥30, or ≥27 with at least one comorbidity (a related health condition)—including hypertension (high blood pressure), type 2 diabetes, dyslipidemia (high cholesterol), obstructive sleep apnea, or cardiovascular disease
- Must try first: Behavioral modification + reduced-calorie diet for ≥3 months prior to starting Wegovy[10]
- Step therapy: No explicit medication step therapy required for initial approval
- To renew: ≥5% weight loss from baseline after 1 year of therapy
- Approval length: Varies by specific Cigna plan
Your GLP-1 coverage,
denied approved
If your PA was denied due to not meeting requirements, Honest Care can help you understand what's missing and build a stronger appeal.
PA Denied?
Get HelpWEGOVY'S UNIQUE ADVANTAGE
Cardiovascular Pathway
FDA-Approved for Heart Health
On March 8, 2024 (Wegovy injection), the FDA approved Wegovy injection for cardiovascular risk reduction in adults with established cardiovascular disease and either obesity or overweight (the tablets got the same indication with their approval, December 22, 2025 (Wegovy tablets))—making it the first weight loss drug with a heart protection indication.[2]
The SELECT trial (17,604 participants) showed Wegovy reduced major cardiovascular events—heart attacks, strokes, and cardiovascular death—by 20% compared to placebo.[2] This opens important coverage pathways.
Why This Matters for Coverage
| Pathway | Who Qualifies | Coverage Implications |
|---|---|---|
| Weight Loss | BMI ≥30 or ≥27 with comorbidity | Standard PA; Medicare: basic Part D coverage excludes it by law, but the Medicare GLP-1 Bridge (outside Part D) covers it ($50 per monthly fill, with conditions) |
| CV Risk Reduction | Established CVD + BMI ≥27 + age ≥45 | May qualify for Medicare Part D |
Medicare Part D Pathway
By law, basic Medicare Part D coverage excludes drugs used for weight loss (for weight loss, see the Medicare GLP-1 Bridge below). Wegovy's CV indication provides a Part D pathway:
- If you have documented cardiovascular disease (prior heart attack, stroke, or peripheral artery disease) AND
- BMI ≥27 (no diabetes required)
Your doctor may prescribe Wegovy for cardiovascular risk reduction rather than weight loss. This may qualify for Medicare Part D coverage under the CV indication.[8]
Important Caveat
Medicare coverage for Wegovy under the CV indication is not guaranteed—coverage varies by plan. Check with your specific Part D plan.
Medicare and weight-loss GLP-1s: the Medicare GLP-1 Bridge
Through the Medicare GLP-1 Bridge (July 1, 2026 – December 31, 2027), a temporary CMS demonstration that runs outside the Part D benefit, people with eligible Part D coverage can get Wegovy, Foundayo or the Zepbound KwikPen for weight loss for $50 a month, if they meet CMS’s eligibility criteria and their prescriber gets prior authorization.
- Who qualifies: Age 18+ and BMI ≥35; or BMI ≥30 with HFpEF, uncontrolled high blood pressure or CKD stage 3a+; or BMI ≥27 with prediabetes, a prior heart attack or stroke, or symptomatic PAD.
- Who doesn’t: Not eligible if you have type 2 diabetes, moderate-to-severe obstructive sleep apnea, or noncirrhotic MASH with moderate-to-advanced liver fibrosis (F2–F3), or if your Part D plan paid for a GLP-1 for you at any time in 2026.
- Cost: $50 per monthly fill. Does not count toward the Part D deductible or out-of-pocket cap. Extra Help (LIS) does not lower it. Not eligible for the Medicare Prescription Payment Plan. Coupons and discount programs can’t be applied.
- No opt-in needed: Part D plans and pharmacies don’t opt in, and you don’t enroll separately; your prescriber must get prior authorization.
- If it’s denied: No appeals process for a Bridge prior-authorization denial: your prescriber can resubmit with more information (Part D appeal rights for Part D coverage decisions still apply).
Source: CMS, Medicare GLP-1 Bridge · Facts in this box verified October 5, 2026
Commercial Plans: CV Pathway May Be Easier
Even on commercial insurance, the CV indication can help if your plan excludes weight loss drugs:
- Different PA criteria: CV indication may have different (sometimes easier) requirements
- Bypass weight loss exclusions: Some plans that exclude obesity drugs still cover cardiovascular medications
- Stronger medical necessity case: Heart disease documentation strengthens your appeal
Had a heart attack, stroke or peripheral artery disease? Talk to your doctor about whether the CV indication pathway is right for you.
WHAT TO GATHER BEFORE PA
Documentation Checklist
Most PA denials happen because of incomplete or missing documentation. Before your doctor submits PA, make sure these items are in your medical record:
Required for All Indications
- Height and weight measured within last 30 days
- BMI calculation written in your medical record
- Related health conditions officially diagnosed with ICD-10 codes (the standardized medical diagnosis codes insurers require):
- Obesity (E66.811, E66.812, E66.813)
- High blood pressure (I10)
- Type 2 Diabetes (E11.9)
- High cholesterol (E78.5)
- Sleep apnea (G47.33)
- Cardiovascular disease (I20-I25)
- 6 months of diet and exercise—needs actual records, not just your doctor saying you tried:
- Nutrition counseling notes
- Exercise or gym program records
- Dietitian visit notes
- Behavioral therapy records (if any)
Step Therapy Documentation
For each medication you tried before, your records should show:
- Which medication (orlistat, phentermine, Contrave, Qsymia, Saxenda)
- What dose you took
- How long you tried it (usually need at least 3 months)
- Why it didn't work:
- Didn't lose enough weight (less than 5%)
- Side effects were unbearable (describe which ones)
- Medical reason you couldn't take it
Pro tip: If you've used Ozempic (same active ingredient as Wegovy—semaglutide, a GLP-1 medication), document that—it often counts toward this requirement.
Lab Work
Recent labs (within 6-12 months) that support your case:
- A1C (hemoglobin A1c—a blood test measuring average blood sugar over 3 months)—especially for diabetes/prediabetes
- Lipid panel (cholesterol blood test)—total cholesterol, LDL, HDL, triglycerides
- Fasting glucose
- Liver function tests (if relevant)
- Thyroid panel (if weight-related thyroid issues)
For CV Indication: Cardiovascular Documentation
If applying through the cardiovascular pathway:
- Documented cardiovascular disease: Prior heart attack, stroke, peripheral artery disease
- ICD-10 codes: I20-I25 (ischemic heart disease), I63 (stroke), I73 (peripheral vascular disease)
- BMI ≥27 with documented obesity
- Cardiologist notes supporting Wegovy for CV risk reduction
- SELECT trial reference in Letter of Medical Necessity
Letter of Medical Necessity
A strong Letter of Medical Necessity should include:
- Patient's weight history and BMI
- All relevant comorbidities and how obesity affects them
- Summary of failed lifestyle interventions
- Summary of failed medication trials
- Clinical rationale for why Wegovy specifically (vs. alternatives)
- If CV pathway: reference SELECT trial and CV indication
- Impact on quality of life
- Signed by prescriber (specialist endorsement strongest)
Common Mistakes That Cause Denials
- Missing diagnosis codes—obesity and other conditions must have official codes in your chart, not just be mentioned
- Old lab work—results older than 12 months may be rejected
- Vague diet/exercise notes—"patient advised to lose weight" isn't enough; need actual program records
- Incomplete medication history—must show which medication, what dose, how long, and exactly why it didn't work
- Weight in wrong units—some insurers want both pounds AND kilograms
- Wrong pathway—requesting obesity coverage when your plan only covers cardiovascular
What Actually Gets Approved
We've helped hundreds of patients through PA. Here's what makes the difference between approvals and denials:
❌ Weak Letter of Medical Necessity
"Patient has obesity and would benefit from Wegovy for weight management."
Vague, no specifics, doesn't address insurer criteria
✓ Strong Letter of Medical Necessity
"Patient (BMI 34.2, documented over 24 months) has failed 3 prior interventions: 6 months supervised diet/exercise with Noom Weight program (documented Jan-June 2024), 3-month trial of phentermine 37.5mg (discontinued due to tachycardia), and Contrave trial (inadequate response, <3% weight loss after 12 weeks). Obesity-related hypertension requires two medications (lisinopril 20mg, amlodipine 5mg). A1C 6.1% indicates prediabetes. Patient is an appropriate candidate for semaglutide given documented GLP-1 receptor agonist mechanism and FDA indication."
Specific BMI, documented timeline, exact medications with doses, specific failure reasons, comorbidities with current treatment
PRINT & SHARE WITH YOUR DOCTOR
Quick Reference Checklist
Wegovy PA Checklist
YOUR OPTIONS
Don't Meet Requirements?
If you don't meet your insurer's PA criteria—or you do but your documentation doesn't prove it—here's what you can do:
Fill Documentation Gaps
Work with your doctor to gather missing documentation. If you haven't completed 6 months of lifestyle modification, start now and document everything. If labs are outdated, get new ones.
Try the Cardiovascular Pathway
If your plan excludes obesity coverage but you have documented cardiovascular disease and obesity or overweight, Wegovy's FDA-approved CV indication may qualify. This pathway isn't available with Zepbound.
Request a Step Therapy Exception
All major insurers allow step therapy exceptions with proper documentation. If you have medical contraindications to required medications, or documented prior failures, your doctor can request an exception.
Appeal the Denial
Over 65% of commercial insurance appeals succeed—but only if you actually appeal. Yet fewer than 10% of patients ever appeal. If you believe you meet criteria but were denied, appeal with additional documentation addressing the specific denial reason.
Consider Alternatives
If coverage isn't possible, explore self-pay options including NovoCare ($199–$349/month) or oral Wegovy ($149–$299/month).
For step-by-step appeal guidance, see our Wegovy Appeals Guide.
Your GLP-1 coverage,
denied approved
If your PA was denied and you're not sure what to do next, Honest Care can help you understand the denial and build a strong appeal.
Denied PA?
Get Appeal HelpWHAT'S CHANGING
PA Requirements Outlook for 2026
Mixed News for 2026
While some insurers are tightening GLP-1 coverage, Wegovy has unique advantages: CVS Caremark preferred status, CV indication for Medicare, and the new oral form. These factors may make Wegovy approval easier than competitors in 2026.
Confirmed for 2026
Oral Wegovy Available (December 2025)
The FDA approved oral Wegovy (semaglutide tablets) on December 22, 2025. The pill form costs as little as $25/month with insurance + savings card, or $149–$299/month self-pay via NovoCare. This provides a new option if you prefer tablets over injections.[3]
CVS Caremark Keeps Wegovy Preferred
Wegovy remains a preferred GLP-1 on CVS Caremark formularies. Since October 1, 2026, Zepbound is back on CVS Caremark’s commercial template formularies as an additional preferred option (plan sponsors can customize), so standard CVS Caremark formularies now list two preferred options; plans can customize, so check yours.
TrumpRx Pricing Program
TrumpRx.gov launched on February 5, 2026. TrumpRx lists the manufacturers’ own self-pay prices (not a separate, cheaper price): for Wegovy, that is NovoCare self-pay pricing ($349/month ($399 for Wegovy HD 7.2 mg) for the injection; $149–$299/month by dose for the pill).[11]
Medicare GLP-1 Bridge (Live) and What Comes Next
The Medicare GLP-1 Bridge (July 1, 2026 – December 31, 2027) is live and covers Wegovy for weight loss for $50 per monthly fill if you qualify (details above). What comes after it is not settled: No successor announced after December 31, 2027; BALANCE in Part D: Delayed, with no new start date.[8]
Some Insurers Dropping Coverage
Fallon Health Community Care plans will no longer cover weight loss medications effective January 1, 2026. Independence Blue Cross eliminated GLP-1 coverage in January 2025. Insurance coverage for obesity drugs became more restrictive overall in 2025.[12]
What Should You Do Now?
- Check 2026 coverage early: During open enrollment, verify your plan will still cover Wegovy in 2026
- Consider CVS Caremark: If switching plans, CVS Caremark lists Wegovy as preferred (and, since October 1, 2026, Zepbound too)
- Explore CV pathway: If you have established cardiovascular disease, the CV indication may offer a different approval route
- Try oral Wegovy: The new pill form may have different PA requirements and is more affordable
- Budget for self-pay: NovoCare pricing ($199–$349/mo) is available now
PA REQUIREMENTS
Frequently Asked Questions
Most insurers require BMI ≥30, or BMI ≥27 with at least one weight-related comorbidity (type 2 diabetes, hypertension, dyslipidemia, sleep apnea, or cardiovascular disease). However, UnitedHealthcare may require BMI ≥40 for some Wegovy plans (stricter than their Zepbound criteria). Always verify with your specific plan.
It depends on your insurer. CVS Caremark's standard weight-loss criteria show no drug step for Wegovy, but some plans add one, so check yours. Other insurers may require a trial of at least one lower-cost anti-obesity medication (orlistat, phentermine, Contrave, or Qsymia). If you've previously used Ozempic, document that—it has the same active ingredient (semaglutide) and may count toward step therapy.
Key documentation includes: current height/weight with BMI calculation (within 30 days), comorbidity diagnoses with ICD-10 codes, 6 months of documented lifestyle modification (diet/exercise program records, not just attestation), prior medication trials with dosage, duration, and failure reason, and often a Letter of Medical Necessity from your prescriber.
Yes—Wegovy is CVS Caremark's preferred GLP-1 for weight loss. From July 2025 to September 2026, Zepbound was nonpreferred or excluded on some (its most common) CVS Caremark commercial template formularies; since October 1, 2026, Zepbound is back on those formularies as an additional preferred option. Preferred status can make PA approval easier; check your plan's criteria for any step therapy.
No. Unlike Zepbound, Wegovy is NOT FDA-approved for obstructive sleep apnea. However, Wegovy has a cardiovascular indication that Zepbound doesn't have, which may open Part D coverage under Medicare for adults with established cardiovascular disease and either obesity or overweight.
Yes, with conditions, through the Medicare GLP-1 Bridge, a temporary CMS program that runs outside your Part D benefit. The Medicare GLP-1 Bridge (July 1, 2026 – December 31, 2027) covers Wegovy for weight loss for $50 per monthly fill if you meet CMS’s criteria and your prescriber gets prior authorization. Separately, Wegovy is FDA-approved for cardiovascular risk reduction in adults with established cardiovascular disease and either obesity or overweight. For that use it may be covered under Part D, subject to the plan's formulary, prior authorization and exceptions process.
Most insurers approve Wegovy for an initial 6-month period (UHC may approve for only 5 months). For renewal, you typically must demonstrate ≥5% weight loss from baseline and continued adherence to therapy. Check your specific plan's renewal criteria.
Wegovy and Ozempic contain the same active ingredient (semaglutide) but are FDA-approved for different uses. Ozempic is for type 2 diabetes; Wegovy is for weight loss and CV risk reduction. If your plan covers Ozempic for diabetes but not Wegovy, discuss with your doctor whether Ozempic might work for your needs.
YOUR PATH FORWARD
What's Next
Your GLP-1 coverage,
denied approved
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Get startedReferences
- Massachusetts Group Insurance Commission. (2025). "CVS Caremark formulary changes: Wegovy preferred, Zepbound removed." Effective July 1, 2025. mass.gov
- U.S. Food and Drug Administration. (2024). "FDA Approves First Treatment to Reduce Risk of Serious Heart Problems Specifically in Adults with Obesity or Overweight." March 8, 2024. fda.gov
- Novo Nordisk. (2025). "Wegovy pill approved in the US as first oral GLP-1 for weight management." Press release, December 22, 2025. globenewswire.com
- GoodRx. (2025). "Insurance Coverage for GIP and GLP-1 Agonists Like Zepbound." goodrx.com
- SingleCare. (2025). "Wegovy prior authorization criteria: Blue Cross Blue Shield." singlecare.com
- Blue Cross Blue Shield of Michigan. (2024). "2025 Coverage Change for GLP-1 Drugs to Treat Obesity." Provider Alert, September 2024. bcbsm.com
- UnitedHealthcare. (2025). "Wegovy Prior Authorization Criteria." uhcprovider.com
- Centers for Medicare & Medicaid Services. (2024). "2025 Medicare Advantage and Part D Final Rule." cms.gov
- SoWell Health. (2025). "8 Ways to Make GLP-1 Medications More Affordable in 2025." Appeal success rates for GLP-1 prior authorization denials. getsowell.com
- Cigna Healthcare. (2025). "Glucagon-Like Peptide-1 Agonists Prior Authorization Policy." cigna.com (PDF)
- AARP. (2025). "When Will the Cost of GLP-1 Weight Loss Drugs Go Down?" TrumpRx pricing announcements. aarp.org
- Fallon Health. (2026). "Changes to weight loss drug coverage starting January 1, 2026." fallonhealth.org
Last updated October 6, 2026 · Key facts verified October 2, 2026
Disclaimer
The information on this page is for educational and informational purposes only and is not intended as medical advice. Honest Care does not provide medical diagnosis, treatment, or individualized recommendations. Always seek the advice of your physician or other qualified healthcare professional regarding any medical condition or treatment.
While this content has been reviewed for accuracy and balance, new evidence may emerge after publication. Drug availability, indications, and insurance coverage can change over time. Honest Care makes no warranties as to completeness or currentness of the information and is not responsible for decisions made based on this content.