How to actually find out if you're covered

No database — including this site — knows your specific plan's coverage. Here's how to get a real answer in one phone call.

Find your plan type. Check your insurance card for whether you're on an employer plan, ACA marketplace plan, Medicare Part D, or Medicaid — the process differs for each.
Call the number on the back of your card (member services), not a general customer service line. Ask specifically: "Is [drug name] covered under my formulary for [diagnosis: type 2 diabetes / obesity]? What tier, and is prior authorization required?"
Ask about prior authorization requirements even if it's covered — most plans require documented BMI, prior weight-loss attempts, or a diabetes diagnosis before approving.
Ask your prescriber's office if they have a dedicated prior-auth or patient-access coordinator — many endocrinology and weight-management clinics do this daily and know your specific insurer's requirements already.
If denied or not covered, ask about manufacturer savings programs (Novo Nordisk and Eli Lilly both run them) before assuming cash-pay is your only option.

Major-insurer process guides

These pages explain who to call and what to ask. They do not claim that any of these companies covers a GLP-1 on your contract.

Not covered, or coverage is too slow?

Telehealth providers can prescribe and often ship within days, with transparent cash pricing.