What insurance typically covers FDA-approved peptides for approved indications: Semaglutide (Ozempic) for type 2 diabetes: Often covered Semaglutide (Wegovy) for obesity: Sometimes covered with restrictions Tirzepatide (Mounjaro) for type 2 diabetes: Often covered Tirzepatide (Zepbound) for obesity: Limited coverage What coverage looks like: Prior authorization typically required Documentation of failed dietary interventions BMI thresholds for weight loss indications Co-pays still substantial ($100-500 monthly) What insurance doesn't cover The vast majority of peptide therapy falls outside insurance coverage: Compounded peptides (BPC-157, TB-500, most growth hormone peptides) Anti-aging applications even for FDA-approved drugs Performance enhancement uses Off-label applications These costs are entirely out-of-pocket for most patients
The comparison below sets out the key differences so you can see which format aligns best with your lifestyle and treatment goals
Mechanism of action: Both drugs fall into the class of medications known as GLP-1 receptor agonists that enhance insulin secretion, suppress glucagon release, and slow gastric emptying to help control blood sugar levels
Simpson H, Savine R, Snksen P, Bengtsson B-A, Carlsson L, Christiansen JS, Clemmons D, Cohen P, Hintz R, Ho K, Mullis P, Robinson I, Strasburger C, Tanaka T, Thorner M
