The Zepbound savings card, the KwikPen card and the Medicare programme: the terms

Lilly's Zepbound coverage page lists four programmes. Each has a headline number and a set of caps underneath it, and the caps decide what you pay. This is what the page said on September 4, 2026; programme terms change, so check the date on this page against the live one.

Commercial insurance that covers Zepbound

The Zepbound single-dose pen savings card. Headline: "starting at $25" for a one-month or up to three-month prescription. Caps: the card pays up to $100 per one-month fill, $200 per two-month fill, $300 per three-month fill, and $1,300 per calendar year, with a maximum of 13 fills a year.

The arithmetic: your cost is your plan's copay minus the card's payment, floored at $25. If your copay is $125 or less, you pay $25. If it is $180, you pay $80. If your plan has a deductible and you are in it, the "copay" may be the plan's negotiated price, and $100 off that leaves most of it with you. And $1,300 divided by $100 is 13, so the annual cap and the fill cap coincide; the card never pays more than $100 in any month.

For comparison, the original card announced on November 8, 2023 offered "as low as $25" for covered patients and "as low as $550" for commercially insured patients without coverage. The second figure has since been replaced by the KwikPen programme below.

Commercial insurance that does not cover Zepbound

The Zepbound KwikPen savings card. Headline: "starting at $299" for a one-month supply. Terms: for commercially insured patients whose plan does not cover the KwikPen, up to 11 fills per calendar year. Lilly's page lists the KwikPen self-pay tiers as $299 for 2.5 mg, $399 for 5 mg and $449 for 7.5 mg through 15 mg, with a refill required within 45 days of the prior delivery.

Those are the same tiers as the LillyDirect vial prices on the self-pay page. The practical difference is the presentation (a four-dose dial pen rather than four single-dose vials) and the 11-fill limit, which covers 44 weeks, not 52.

Medicare

Lilly's page lists a Medicare GLP-1 Bridge programme: no more than $50 per month, for Medicare Part D patients only, and not combinable with the commercial cards. The page gives that figure without a strength schedule, and this site does not add one. Medicare Part D has by statute excluded drugs used for weight loss, which is why the OSA indication approved on December 20, 2024 matters for Medicare beneficiaries: a Zepbound prescription for OSA is a prescription for a covered condition. Whether a specific Part D plan covers it, and at what tier, is a plan question this site cannot answer.

Who cannot use the commercial cards

Lilly's eligibility text excludes anyone enrolled in Medicaid, Medicare, Medicare Part D, Medicare Advantage, Medigap, DoD, VA or TRICARE from the commercial savings cards. That is standard for manufacturer copay cards and follows from federal anti-kickback rules; it is not specific to Lilly. Medicare beneficiaries are pointed to the Bridge programme; Medicaid beneficiaries have no Lilly programme listed and depend on their state's coverage decision.

Working out your own number

1. Find out from your plan whether Zepbound is covered and what your copay or coinsurance is at your pharmacy. Ask specifically about the single-dose pen, since that is what the $25 card applies to.
2. If covered: your copay minus $100 (not below $25) per month, up to 13 fills.
3. If commercially insured but not covered: $299, $399 or $449 by strength via the KwikPen card, up to 11 fills, refill within 45 days.
4. If no insurance: the same tiers via LillyDirect vials, refill within 45 days for the higher strengths.
5. If Medicare Part D: ask whether your plan covers Zepbound for your diagnosis, then whether the Bridge applies.

The cost tracker models options 3 and 4 by strength and lets you enter your own copay-after-card figure for option 2 under the custom option. It does not model deductibles or coinsurance because those numbers are yours, not Lilly's.

A note on scope

Everything here is about FDA-approved Zepbound. No manufacturer programme, savings card or Medicare arrangement applies to compounded tirzepatide, which is not FDA approved and is not interchangeable with Zepbound or Mounjaro. Its prices are set by the pharmacy or programme dispensing it, and the network's GLP-1 Pricing Index is where those are compared.