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Health & Body
GLP-1 Cost Calculator — Ozempic, Wegovy, Mounjaro & Zepbound Out-of-Pocket
What Ozempic, Wegovy, Mounjaro and Zepbound actually cost you per month — cash vs insurance vs savings card
GLP-1 medications — Ozempic, Wegovy, Mounjaro, Zepbound, and compounded semaglutide — have become some of the most talked-about drugs in America, and also some of the most confusing to price. The number on the pharmacy shelf is rarely the number you pay. Three different prices are in play at once: the cash (list) price, your insurance copay, and what's left after a manufacturer savings card. This calculator lines all three up side by side so you can see your real out-of-pocket cost per month and across an entire course of treatment.
The math is simple addition and subtraction, but the logic trips people up. Here's how each path works:
Cash price. With no coverage, you pay the full list price every month. Brand GLP-1s often run $900–$1,350/month at cash, though that varies by pharmacy and discount card.
Insurance copay. If your plan covers the drug, you pay a fixed copay (or coinsurance) instead of the list price — often $25–$100/month, sometimes more for non-preferred tiers. Coverage for weight-loss use (Wegovy, Zepbound) is far less common than for diabetes use (Ozempic, Mounjaro).
Manufacturer savings card. Drugmakers offer copay cards that knock a set dollar amount off each fill, but usually only if you have commercial insurance — most cards exclude Medicare and Medicaid. The card lowers whichever price you're starting from, down to a floor.
The formula for one month is just:
Out-of-pocket = (copay or cash price) − savings-card amount, never below $0.
Then Total = monthly out-of-pocket × number of months.
Worked example. Suppose Wegovy lists at $1,350/month cash. Your plan covers it with a $50 copay, and you have a $225/month savings card. The card lowers your $50 copay to as little as $0, while a cash-only shopper still pays 1,350 − 225 = $1,125/month. Over a 12-month course that's $0–$13,500 depending entirely on which path you're on. That spread is the whole point of running the numbers.
The most common mistake is assuming the savings card stacks on top of a great insurance copay when it doesn't — many cards can't be combined with government insurance, and some count toward (or are blocked from) your deductible. The second trap is forgetting that a card has a maximum annual benefit; once you hit the cap mid-year, your cost can jump back to the full copay or cash price.
This tool provides informational cost estimates only — not medical advice, insurance guidance, or a price quote. Actual prices depend on your specific plan, pharmacy, dose, and current manufacturer programs, all of which change frequently. Always confirm with your prescriber, insurer, and pharmacist.
Calculator
Fill in the fields and click "Calculate" for instant results.
📰 Formula
• Monthly out-of-pocket = (insurance copay OR cash price) − savings-card amount • Out-of-pocket is floored at $0 (a card cannot pay you back cash) • Cash-only cost = cash price − savings-card amount (if card allowed without insurance) • Total cost = monthly out-of-pocket × number of months • Savings vs cash = (cash monthly − chosen monthly) × number of months
📰 Formula
• Monthly out-of-pocket = (insurance copay OR cash price) − savings-card amount • Out-of-pocket is floored at $0 (a card cannot pay you back cash) • Cash-only cost = cash price − savings-card amount (if card allowed without insurance) • Total cost = monthly out-of-pocket × number of months • Savings vs cash = (cash monthly − chosen monthly) × number of months
🧪 Worked examples
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Example 3
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Example 4
⚠️ Common mistakes
- Assuming a manufacturer savings card stacks on Medicare or Medicaid — most cards exclude government insurance.
- Forgetting the savings card has an annual maximum, after which your cost jumps back up.
- Comparing cash list price to a copay without subtracting the card from both correctly.
- Letting out-of-pocket go negative — a card lowers your cost to $0 at most, it doesn't pay you.
💡 Tips
- If you have commercial insurance, check whether a copay card can stack on your plan copay — sometimes it drops you near $0.
- Always ask whether the card's annual cap will run out before your course ends.
- Cash discount cards (GoodRx-style) and compounded options can beat brand cash price — price both before committing.
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❓ Frequently asked questions
How much does Ozempic cost per month without insurance?
Cash list price for Ozempic is often around $950–$1,000 per month, though pharmacy discount cards can lower it. With insurance coverage you typically pay a copay of $25–$100 instead. Enter your own numbers above to see your out-of-pocket.
How much is Wegovy out-of-pocket with a savings card?
If Wegovy is covered by commercial insurance, the manufacturer copay card can often bring your monthly cost close to $0, up to an annual maximum. Without coverage, the card knocks a set dollar amount (often around $225) off the cash list price of roughly $1,300–$1,350.
Can I use a manufacturer savings card with Medicare or Medicaid?
Usually no. Most GLP-1 manufacturer copay cards explicitly exclude patients with Medicare, Medicaid, or other government insurance. If that's your coverage, this calculator's cash or copay path without the card is the realistic estimate.
Why is my GLP-1 so expensive even with insurance?
Some plans place GLP-1s on a high (non-preferred) tier, require coinsurance instead of a flat copay, or don't cover weight-loss use at all. Drugs like Wegovy and Zepbound for weight loss are covered far less often than Ozempic and Mounjaro for diabetes.
What's the difference between Ozempic and Wegovy cost?
They share the same active ingredient (semaglutide) but are sold as different products: Ozempic for type 2 diabetes and Wegovy for weight management. Cash prices are similar (roughly $900–$1,350/month), but insurance coverage and savings-card terms differ, which changes your out-of-pocket.
Is compounded semaglutide cheaper than brand-name?
Compounded semaglutide is often priced lower per month than brand-name Ozempic or Wegovy, sometimes a few hundred dollars cash. Availability and pricing vary by pharmacy and regulatory status, so price it directly and confirm it's from a reputable source before comparing.
How do I calculate total cost over several months?
Multiply your monthly out-of-pocket by the number of months you'll be on the drug. For example, $1,125 per month for 12 months is $13,500. This calculator does that for you and also shows what you'd save versus paying full cash.
Does the savings card amount lower the price below zero?
No. A copay card can reduce your monthly cost to $0 at most — it never pays you cash back. This calculator floors your out-of-pocket at $0 so the math stays realistic.
Are these GLP-1 prices exact?
No. GLP-1 prices change constantly and depend on your exact plan, pharmacy, dose, and current manufacturer programs. The numbers here are informational estimates only — confirm real prices with your prescriber, insurer, and pharmacist.