| TennCare (Medicaid) | Covered with prior authorization No member cost published for this class; ask your health plan | Adults 21 and over, BMI over 30, or over 27 with a condition; a TennCare-enrolled prescriber | TennCare criteria, November 2, 2026 |
| State, teacher and local government plans | 25% coinsurance 25% of the drug's cost, 30 days a fill | Prior authorization: 6 months in a weight program, a BMI of 30, or 27 with a condition | Partners for Health; State of Tennessee formulary, October 1, 2026 |
| An employer plan through BCBST or Cigna | Only if your employer added it Your plan's drug cost share, if it covers them | BCBST's 2027 list: "Coverage is subject to your plan/benefits" | BCBST Preferred Formulary, January 2027 |
| A Marketplace plan (HealthCare.gov) | Not covered The full price | The benchmark plan: "Weight Loss Programs" "Not Covered" | CMS benchmark plan, 2025 to 2027; BCBST Essential Formulary, January 2027 |
| Medicare | $50 a fill if you qualify $50 a fill through the GLP-1 Bridge, Zepbound® KwikPen® only | Part D and a BMI of 35, or 30 or 27 with certain conditions | CMS, GLP-1 Bridge, July 13, 2026; Medicare.gov |
| TRICARE | With criteria Depends on your TRICARE plan | When medically necessary, with prior authorization; not TRICARE For Life | TRICARE, updated November 9, 2026 |
| VA health care | With criteria Through VA care | A BMI of 27 or more with a condition, plus a lifestyle program | VA criteria for use, April 2026 |
| CoverKids | Not listed Not on its drug list | Lists Mounjaro® and Ozempic® for diabetes only | CoverKids formulary, July 1, 2026 |
| Brand Zepbound® at Lilly's cash price | You pay cash $299 at the starting dose, $399 at the next, $449 at higher doses | Refills within 45 days; needles and visits extra | LillyDirect |
| Compounded tirzepatide online | You pay cash $120/mo flat at MaxLife; $129 to $199 elsewhere in our table | Not FDA-approved; no plan above pays for it | Each program's own page, read in November 2026 |