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ZEPBOUND INSURANCE GUIDE

Does Kaiser Permanente Cover Zepbound?

Rules, Exceptions & Appeals for 2025-2026

Last updated October 6, 2026 · Key facts verified October 5, 2026
Zepbound product

THE SHORT ANSWER

Does Kaiser Cover Zepbound?

Coverage Is Extremely Limited

Most Kaiser standard HMO plans do NOT cover Zepbound for weight loss. As of January 1, 2025, Kaiser California removed GLP-1 coverage from base plans for members with BMI under 40.[1]

Kaiser Permanente operates differently than traditional insurers. Because your doctor works for your insurance company, getting an "off-formulary" medication like Zepbound is harder than with other insurers.

Kaiser Zepbound coverage summary
SituationCoverage?Details
Weight loss (BMI < 40)Usually NoRemoved from base coverage 1/1/2025 in California
Weight loss (BMI ≥ 40)LimitedMay be covered with strict step therapy requirements
Type 2 DiabetesVariesMay cover Mounjaro (same drug) if other meds fail
Sleep Apnea (OSA)LimitedSome regions cover for severe OSA with strict criteria[2]

Bottom line: Kaiser is often among the more restrictive insurers for Zepbound coverage, especially on standard HMO plans. Coverage varies significantly by region and employer opt-in—FEHB/PSHB and some large employer groups may have better access. If you're a Kaiser member wanting Zepbound for weight loss, prepare for hurdles—or consider alternatives like LillyDirect self-pay.

Realistic Path for Most Kaiser Members

If you don't have employer opt-in coverage or BMI ≥40, LillyDirect at $299–$449/month is likely your most practical path to Zepbound. No prior authorization, no step therapy, telehealth included.

California Member? You Have Options

The California DMHC Independent Medical Review overturns 60-68% of medical necessity denials. If Kaiser denies you, this is your most powerful tool. Learn about CA DMHC IMR →

How to Check Your Specific Coverage

Call Script for Kaiser

"Hi, I'm calling to check coverage for a prescription medication. My member ID is [NUMBER]. I need to know:

  1. Is Zepbound (tirzepatide) covered on my plan's formulary for weight management?
  2. If not, is it covered for obstructive sleep apnea?
  3. What are the coverage criteria—BMI, step therapy, lifestyle documentation?
  4. Does my employer's plan include GLP-1 weight loss drug coverage?
  5. Can you send me the formulary exception request process in writing?"

Kaiser Member Services by Region:

  • Northern California: 1-800-464-4000
  • Southern California: 1-833-574-2273 (24/7)
  • Other regions: Check your member ID card

Script for Asking HR About Coverage

"Hi, I have a question about our Kaiser benefits. Does our company's plan include coverage for GLP-1 weight loss medications like Zepbound or Wegovy? I understand Kaiser removed these from base coverage in 2025, but some employers opted to add this benefit. Can you check our plan documents or contact our Kaiser rep?"

Email Template for HR (Copy & Paste)

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THE INSURER-PROVIDER LOOP

Why Kaiser Is Different

Understanding why Kaiser coverage works differently than other insurers is critical to navigating your options:

Your Doctor Works for Your Insurance

Unlike other insurers where your doctor is independent, Kaiser doctors are Kaiser employees. They follow strict internal protocols and typically cannot (or won't) prescribe medications outside the Kaiser formulary.

What This Means for You

  • No "fighting" with insurance separately — Your doctor and insurer are the same organization
  • Internal formulary is law — Kaiser doctors prescribe from the Kaiser drug list
  • Less prescriber flexibility — Independent doctors can advocate more aggressively; Kaiser doctors follow company protocols
  • Exception requests go through the same system — You're asking Kaiser to override Kaiser's own decision

This doesn't mean coverage is impossible—but it requires understanding Kaiser's specific processes, including their "grievance" system (not just "appeal") and knowing when to escalate to the California DMHC.

KAISER FORMULARY BY REGION

2025 Regional Coverage Status

Kaiser operates as separate regional entities, each with its own formulary. Coverage varies significantly:

Check Your Regional Formulary

Look up Zepbound on Kaiser's official formulary tools:

Kaiser Zepbound coverage by region
RegionWeight Loss Coverage?Key Details
California (NCAL/SCAL)Removed 1/1/2025GLP-1s excluded from base coverage for BMI < 40; employer opt-in only[1]
Northwest (OR/WA)LimitedRequires failed trial of 2 other meds + 6 months semaglutide[3]
ColoradoVariesCheck specific plan; often requires metabolic program enrollment
Mid-Atlantic (DC/MD/VA)Varies"Select" vs "Standard" plans differ; check your specific plan
GeorgiaVariesLimited coverage; employer-specific benefits
HawaiiVariesCheck specific plan formulary
FEHB (Federal Employees)Covered w/ PAOn 2026 formulary (Tier 3/4); 50% coinsurance after PA; weight management program required[13]

California Alert: 2025 Coverage Changes

Effective January 1, 2025, Kaiser California implemented major restrictions for GLP-1 weight loss drugs. Coverage is now removed from base commercial and Individual & Family plans when prescribed solely for weight loss in patients with BMI < 40.[1]

GLP-1s remain covered for:

  • BMI ≥ 40 (Class III/morbid obesity)
  • Type 2 Diabetes (Mounjaro, not Zepbound)
  • Major Adverse Cardiac Events history
  • Employers who opt-in to add weight loss drug coverage

California Medi-Cal Alert: GLP-1 Exclusion Effective January 1, 2026

If you have Kaiser through Medi-Cal, weight loss GLP-1 coverage is ending. Effective January 1, 2026, Medi-Cal Rx is excluding coverage for GLP-1 medications prescribed for weight loss:[12]

  • Wegovy, Zepbound, Saxenda: Completely removed from the Contract Drugs List for weight loss
  • Ozempic, Mounjaro, Rybelsus: Restricted to Type 2 diabetes only—weight loss claims will auto-deny
  • Existing prior authorizations end December 31, 2025

Exceptions:

  • Members under age 21 may still qualify via EPSDT
  • Non-weight-loss indications (Zepbound for OSA, Wegovy for cardiovascular) may still get PA approval

This does NOT affect Kaiser commercial or employer-sponsored plans—only Medi-Cal members.

WHAT KAISER REQUIRES FIRST

Step Therapy Requirements

Even in regions where Kaiser covers Zepbound, you must typically "fail" multiple other treatments first:

Kaiser Northwest Example (Most Documented)

To qualify for Zepbound coverage in Kaiser Northwest, you must demonstrate:[3]

Kaiser Zepbound Coverage Criteria

  • BMI ≥ 30 (obesity) OR BMI ≥ 27 with a comorbidity (hypertension, diabetes, high cholesterol)
  • Age 18+
  • Following a structured diet and exercise program (documented, not just attested)
  • Failed at least 2 prior weight loss medications:
    • Phentermine
    • Diethylpropion
    • Qsymia (phentermine/topiramate)
    • Contrave (naltrexone/bupropion)
  • Tried semaglutide (Wegovy or Ozempic) for minimum 6 months and either:
    • It was ineffective (didn't achieve target weight loss)
    • Cannot tolerate due to allergy, serious side effects, or contraindication

Continuation Requirements (To Keep Coverage)

  • Initial approval typically for 12 months
  • Must document at least 5% weight loss after starting tirzepatide to continue coverage
  • Bariatric medicine chart review required before switching from semaglutide to Zepbound

Kaiser's Internal "Medical Weight Management" Program

Kaiser often requires patients to enroll in their internal weight management program before approving GLP-1s. This may include:

  • Structured diet plans (sometimes liquid/shake-based)
  • Regular check-ins with Kaiser dietitians
  • Documented participation for a set period

Ask your Kaiser PCP about this program—completing it may strengthen a formulary exception request.

Medical Necessity Checklist for Formulary Exception

If you're requesting a formulary exception, gather this documentation first:

Required Documentation for Exception Request

  • Current BMI documentation (≥30 or ≥27 with comorbidity)
  • Documented comorbidities with ICD-10 codes:
    • Obesity Class I/II/III (E66.811, E66.812, E66.813)
    • Hypertension (I10)
    • Type 2 Diabetes (E11)
    • Dyslipidemia (E78.5)
    • Obstructive Sleep Apnea (G47.33)
  • Failed alternative treatments — documented trials of:
    • Phentermine or diethylpropion
    • Qsymia or Contrave
    • Semaglutide (Wegovy/Ozempic) for 6+ months
  • Lifestyle modification records (diet/exercise program participation)
  • Weight history showing chronic obesity (past 1-2 years)
  • Letter of Medical Necessity from your Kaiser provider

For more on prior auth documentation, see our Zepbound prior auth checklist →

EXCEPTION PATHWAYS

How Some Members Get Coverage

While standard coverage is limited, some Kaiser members do get Zepbound covered. Here's how:

1

Employer Opt-In Plans

Some employers specifically add GLP-1 weight loss drug coverage to their Kaiser plan. Check with your HR department—you may have coverage even if standard Kaiser plans don't include it.

2

Medical Necessity Exception

Request a formulary exception for medical necessity. This requires:

  • Documentation of failed alternative treatments
  • Clear medical rationale why Zepbound specifically is needed
  • Supporting evidence from your Kaiser provider

Success rate is low for weight loss, but higher for OSA or diabetes-related requests.

3

Sleep Apnea (OSA) Indication

Zepbound is FDA-approved for obstructive sleep apnea in adults with obesity. Kaiser's OSA coverage criteria include:[2][3]

  • Age 18+ with obesity (BMI ≥30)
  • No history of medullary thyroid carcinoma (MTC) or multiple endocrine neoplasia syndrome type 2 (personal or family)
  • Diagnosed severe sleep apnea with AHI ≥30 (excluding central or complex apnea)
  • Sleep study within past 3 years documenting AHI score (with <5% body weight change since study)
  • Currently following a diet and exercise program
  • Failed 6-month semaglutide trial (Ozempic/Wegovy) followed by bariatric medicine chart review

If you suspect you have OSA (snoring, daytime fatigue, witnessed breathing pauses), ask your Kaiser PCP for a sleep study referral.

4

Dual Coverage / Out-of-Network

If you have secondary insurance through a spouse or other source, the secondary insurer may cover what Kaiser doesn't. Some Kaiser plans also have out-of-network pharmacy benefits—check your Evidence of Coverage document.

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YOUR OPTIONS

If Your Kaiser Doctor Won't Prescribe

Because Kaiser doctors follow internal protocols, you may hit a wall before even getting to the coverage question. If your PCP won't prescribe Zepbound:

Option 1: Request a Referral to Bariatric Medicine

Kaiser's internal bariatric medicine or endocrinology specialists may have more flexibility. Ask for a referral and explain your interest in GLP-1 medications.

Option 2: Telehealth + Self-Pay

If Kaiser won't prescribe, you can get a prescription from an outside telehealth provider. Important caveat: External prescriptions typically aren't covered by Kaiser pharmacy—you'll pay out of pocket.

Zepbound cost comparison
ScenarioCostDetails
With Kaiser coverage (if approved)$25-65/monthCopay varies by plan; rare to get approved[2]
LillyDirect (Lilly's program)$299–$449/month$299 (2.5mg), $399 (5mg), $449 (7.5mg-15mg); telehealth included. Prices reduced Dec 2025.[4]
TrumpRx.govSame as LillyDirectLaunched February 5, 2026; TrumpRx lists the manufacturers’ own self-pay prices (not a separate, cheaper price); no insurance needed[11]
Foundayo$149–$299/monthEli Lilly's oral GLP-1 (FDA approved April 1, 2026)—no injections
Zepbound Savings Cardas little as $25 (covered) or $499/month (not covered)Commercial insurance only: as little as $25 if your plan covers Zepbound; the single-dose pen at $499/month if your commercial plan doesn't. Not for Kaiser Medicare or Medicaid
Retail pharmacy (no coverage)about $1,086/monthList price; GoodRx may offer ~$900-$995

For complete self-pay options, see our Zepbound cost guide → or LillyDirect guide →

Option 3: Switch Plans During Open Enrollment

If GLP-1 coverage is important to you and Kaiser won't provide it, consider switching to a different insurer during open enrollment. Check our Is Zepbound Covered by Insurance? to compare options.

KAISER'S SPECIFIC PROCESS

Grievance vs. Appeal

Kaiser Uses Different Terminology

Kaiser calls many issues "grievances" rather than "appeals." If you can't get a prescription or referral, you file a grievance. If you're denied coverage for a specific drug, that may be a coverage redetermination or appeal.

When to File What

Kaiser grievance vs appeal situations
SituationKaiser TermWhat to Do
Doctor won't prescribe ZepboundGrievanceFile grievance about access to care/treatment
Can't get referral to specialistGrievanceFile grievance about denied referral
Prescription denied by pharmacyCoverage AppealRequest formulary exception or redetermination
Prior auth deniedAppealFile appeal by the deadline in your denial letter (ACA plans must allow at least 180 days)[5]
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How to File a Kaiser Grievance/Appeal

Contact Information

  • Phone (expedited appeals): 1-866-206-2973
  • Online: kp.org member portal
  • In writing: Check your denial letter for the specific address for your region

Deadline: the deadline in your denial letter (ACA plans must allow at least 180 days)[5]

What to Include

  • Your member ID and contact information
  • Copy of the denial letter
  • Letter explaining why you need Zepbound specifically
  • Documentation of failed alternatives
  • Supporting clinical evidence (SURMOUNT trial data)
  • Letter from your prescriber supporting the request

Kaiser must respond to standard appeals within 30 days. For urgent situations where waiting could harm your health, you can request an expedited review with a decision within 72 hours.[5]

For general appeal strategies that work across all insurers, see our Zepbound appeals guide →

THE NUCLEAR OPTION FOR CA MEMBERS

California DMHC Independent Medical Review

California Members Have Powerful Options

The California Department of Managed Health Care (DMHC) oversees Kaiser in California. If Kaiser denies your appeal, you can request an Independent Medical Review (IMR)—and the results are striking.

IMR Success Rates

According to DMHC data, Independent Medical Reviews frequently overturn insurance denials:[6]

DMHC IMR overturn statistics
Denial TypeOverturned by DMHCUpheldReversed by Plan
Medical Necessity55-60%~20%20-25%
All Types (2020 data)68%~32%—

Key insight: Historical data shows 60-68% of medical necessity denials are either overturned by the DMHC or reversed by the insurance plan before the IMR is completed.[6]

How to File for IMR

1

Exhaust Kaiser's Internal Process First

You typically must complete Kaiser's grievance/appeal process before requesting IMR. Exception: If your health would be seriously harmed by waiting, you can file for IMR immediately.

2

Contact the DMHC

Visit dmhc.ca.gov or call 1-888-466-2219 (TDD: 1-877-688-9891). You can file online, by phone, or by mail.

3

Submit Your Request

Include all documentation: denial letters, your appeal, medical records, and any supporting evidence.

4

Wait for Decision

Standard: Decision within 30 days. Expedited: 72 hours if imminent and serious threat to health.

IMR Decisions Are Binding

Unlike Kaiser's internal appeals, an IMR decision is legally binding on Kaiser. If the IMR rules in your favor, Kaiser must provide coverage. This is why IMR is often called the "nuclear option"—it's your most powerful tool as a California member.

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Evidence-backed appeal letters — plus personalized guidance to appeal with confidence.

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WHAT'S CHANGING

Kaiser Coverage Outlook for 2026

Kaiser's strict GLP-1 weight loss restrictions are expected to continue through 2026. Here's what's changing and what's staying the same:

Medi-Cal GLP-1 Exclusion (Jan 1, 2026)

Kaiser Medi-Cal members lose weight loss GLP-1 coverage entirely. Wegovy, Zepbound, and Saxenda removed from formulary; other GLP-1s restricted to diabetes only. See details above.[12]

FEHB Plans: Zepbound on 2026 Formulary

Kaiser FEHB and PSHB plans confirm Zepbound on 2026 formularies at Tier 3/4 (specialty tier). Expect 50% coinsurance after prior authorization. Weight management program participation required.[13]

TrumpRx Program (Now Live)

TrumpRx.gov launched February 5, 2026. TrumpRx lists the manufacturers’ own self-pay prices (not a separate, cheaper price): Zepbound is listed at the LillyDirect self-pay price ($299–$449/month). This is separate from Kaiser coverage but provides an alternative path for members who can't get Kaiser approval.[11]

Foundayo (Oral GLP-1 Now Available)

Eli Lilly's Foundayo (orforglipron) received FDA approval April 1, 2026—the only GLP-1 pill for weight loss that can be taken any time of day without food or water restrictions (Lilly). Self-pay $149–$299/month. Different coverage may apply vs. injectables; check Kaiser formulary.

CMS BALANCE Model

The BALANCE Model (announced December 23, 2025) aims to expand GLP-1 coverage in Medicare Part D and Medicaid. Medicaid: Voluntary for states, which can join between May 2026 and January 1, 2027; no participating state has been confirmed. Medicare Part D: Delayed, with no new start date. Separately, the Medicare GLP-1 Bridge is live (July 1, 2026 – December 31, 2027, $50 per monthly fill), and Part D plans and pharmacies don’t opt in, and you don’t enroll separately; your prescriber must get prior authorization, so Kaiser Medicare Advantage members with drug coverage can use it.[14]

OSA Pathway Continues

Sleep apnea indication coverage continues with same strict criteria (AHI ≥30, failed semaglutide trial). This remains one of the few pathways to Kaiser Zepbound coverage.

CA DMHC IMR Remains Powerful

California DMHC Independent Medical Review remains your most powerful tool if denied. Historical data shows ~60-68% of medical necessity denials are overturned or reversed by the plan before review completes.[6]

Kaiser Medicare Advantage members: see our Medicare guide for 2026 policy updates.

KAISER & ZEPBOUND

Frequently Asked Questions

Usually no, especially after January 2025. Kaiser California removed GLP-1 weight loss drugs from base coverage for members with BMI under 40 effective 1/1/2025. Other Kaiser regions have varying policies, but most standard HMO plans exclude Zepbound for weight loss. Some employer plans that specifically opt-in for weight loss drug coverage may include it—check with your HR department.

Kaiser doctors typically only prescribe medications on the Kaiser formulary. Because they are Kaiser employees, they follow internal protocols. If Zepbound isn't on your plan's formulary, your Kaiser PCP will likely not prescribe it. You can request a referral to bariatric medicine specialists who may have more flexibility, or explore telehealth options outside Kaiser (though you'd pay out of pocket).

Kaiser uses specific terminology. A grievance is for issues like not being able to get a prescription or referral—essentially complaints about care or access. An appeal (or redetermination) is for challenging a specific coverage denial, like when a prescription is denied by the pharmacy. If your doctor won't prescribe Zepbound, file a grievance. If your prescription was denied for coverage, file an appeal.

You or your prescriber can request a formulary exception by calling 1-866-206-2973 (for California), through the kp.org member portal, or in writing. You'll need to demonstrate why the formulary alternatives don't work for you and provide documentation of failed treatments. Approval is not guaranteed—Kaiser's internal formulary decisions are strict.

The California Department of Managed Health Care (DMHC) oversees HMOs like Kaiser. If Kaiser denies your appeal, California members can request an Independent Medical Review—an external review by physicians not employed by Kaiser. IMR decisions are legally binding on Kaiser. Historical data shows 60-68% of medical necessity denials are overturned or reversed by plans before IMR completes. Contact DMHC at 1-888-466-2219 or dmhc.ca.gov.

Coverage varies by plan. Mounjaro contains the same active ingredient as Zepbound (tirzepatide) but is FDA-approved for Type 2 diabetes rather than weight loss. Some Kaiser plans cover Mounjaro for diabetes management after other medications have failed. If you have Type 2 diabetes, ask your Kaiser endocrinologist about Mounjaro—you may have a coverage pathway that doesn't exist for weight loss.

Only with commercial Kaiser coverage. If your commercial plan covers Zepbound, the savings card can bring it to as little as $25. If your commercial Kaiser plan doesn't cover it, the card prices the single-dose pen at $499/month. It can't be used with Kaiser Medicare or Medicaid plans. Other self-pay options: LillyDirect at $299–$449/month (TrumpRx.gov lists the same prices), or Foundayo (oral GLP-1, $149–$299/month, approved April 2026).

No—Medi-Cal Rx is excluding GLP-1 weight loss drugs effective January 1, 2026. Wegovy, Zepbound, and Saxenda are being completely removed from the Contract Drugs List for weight loss. Ozempic and Mounjaro will only be covered for Type 2 diabetes. Existing prior authorizations end December 31, 2025. Members under 21 may still qualify via EPSDT, and non-weight-loss indications (like Zepbound for sleep apnea) may still get prior authorization.

In regions where Zepbound is covered, Kaiser requires extensive step therapy. Kaiser Northwest, for example, requires: (1) documented diet and exercise program, (2) failure of at least 2 weight loss medications (phentermine, Qsymia, Contrave, etc.), AND (3) a minimum 6-month trial of semaglutide (Wegovy or Ozempic) that was ineffective or not tolerated. This is stricter than most other insurers.

Coverage varies by plan and indication. Kaiser may cover Ozempic for Type 2 Diabetes as it's often on the diabetes formulary. Wegovy for weight loss faces similar restrictions to Zepbound—most standard Kaiser plans exclude weight loss drugs. If you need a GLP-1 and can't get Zepbound, ask about Ozempic (if you have diabetes) or check if your employer plan opted into weight loss coverage for Wegovy. See our alternatives comparison for details.

Kaiser Northwest has documented coverage criteria for Zepbound. Coverage is available if you meet strict requirements: BMI ≥30 (or ≥27 with comorbidity), failed 2+ other weight loss medications, AND tried semaglutide for at least 6 months. This is actually more specific documentation than some other Kaiser regions provide. Check the Kaiser Northwest formulary PDF or call 1-800-813-2000 for details.

YOUR PATH FORWARD

What's Next

Quick Decision Guide

Is your BMI ≥ 40?

YES → You may qualify for coverage. Ask your Kaiser PCP about GLP-1 options.
NO → Standard Kaiser plans won't cover. Check if employer opted-in, or consider self-pay.

Do you have Type 2 Diabetes?

YES → Ask about Mounjaro (same drug, diabetes indication). May be covered.

Do you have sleep apnea symptoms?

YES → Get a sleep study. OSA indication may open a coverage pathway.

None of the above apply?

→ Self-pay option: LillyDirect at $299–$449/month (no insurance needed)

Already denied and want to appeal?

→ Get help building your appeal with evidence-backed documentation

All Your Options

Choose Your Path

  • Check your specific plan → Log into kp.org or call Kaiser member services
  • Employer plan? → Ask HR if GLP-1 weight loss coverage is included
  • Already denied? → File a grievance or appeal (see above)
  • California member denied? → Consider DMHC Independent Medical Review
  • Self-pay option → LillyDirect ($299–$449/month)
  • Compare alternatives → Zepbound alternatives guide
  • Other insurers → Is Zepbound Covered by Insurance?
  • Learn more about Zepbound → Complete Zepbound guide

Zepbound Coverage: Other Major Insurers

See how other insurers compare on Zepbound coverage:

  • UnitedHealthcare — Coverage varies by plan; many require PA
  • Blue Cross Blue Shield — Major 2026 coverage restrictions announced
  • Cigna — Cigna plans may require step therapy; check your plan’s policy
  • Aetna — Most plans exclude; limited employer exceptions with PA
  • Anthem Blue Cross — Separate policies from other BCBS affiliates

Compare all insurers →

References

  1. Warner Pacific Insurance Services. (2024). "Kaiser Permanente Changes Coverage for Weight Loss Drugs." Effective January 1, 2025, coverage removed from base plans for BMI <40 per CA Title 28 Rule 1300.67.24(e)(3). warnerpacific.com
  2. SingleCare. (2025). "Does Kaiser cover Zepbound?" singlecare.com
  3. Kaiser Permanente Northwest. (2024). "Tirzepatide (Zepbound) Criteria for Coverage." kaiserpermanente.org (PDF)
  4. Eli Lilly. (2025). "LillyDirect." lillydirect.com
  5. Kaiser Permanente. (2024). "Redetermination Form (CA)." kaiserpermanente.org (PDF)
  6. California Department of Managed Health Care. (2024). "Independent Medical Review (IMR) Determinations, Trend." data.chhs.ca.gov
  7. Glassbox Media / GM Lawyers. (2025). "DMHC Independent Medical Review Data." gmlawyers.com
  8. Kaiser Permanente. (2025). "Weight-Loss Medicines." kaiserpermanente.org
  9. Jastreboff AM, et al. (2022). "Tirzepatide Once Weekly for the Treatment of Obesity." N Engl J Med. SURMOUNT-1 trial. PubMed
  10. California DMHC. (2025). "File a Complaint." dmhc.ca.gov
  11. TrumpRx.gov. (February 2026). Federal site launched February 5, 2026; lists manufacturers' own self-pay prices (Zepbound vials at the LillyDirect price); no insurance required. trumprx.gov
  12. California Department of Health Care Services. (2025). "Medi-Cal Rx Contract Drugs List (CDL) Update: GLP-1 Agonist Coverage Changes Effective January 1, 2026." Wegovy, Zepbound, and Saxenda removed from CDL for weight loss; other GLP-1s restricted to Type 2 diabetes only. Existing PAs end 12/31/2025. medi-calrx.dhcs.ca.gov
  13. Kaiser Permanente. (2025). "2026 FEHB/PSHB Formulary." Zepbound (tirzepatide) listed at Tier 3/4 (specialty tier) for weight management indication with prior authorization. 50% coinsurance after PA; weight management program participation required. kaiserpermanente.org
  14. CMS. (2025). "BALANCE (Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth) Model." Announced December 23, 2025. Medicaid track voluntary for states; Part D track delayed by CMS with no new start date. The separate Medicare GLP-1 Bridge runs July 1, 2026 – December 31, 2027 ($50/month). cms.gov

Last updated October 6, 2026 · Key facts verified October 5, 2026

Disclaimer

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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.