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Key Coverage Facts An estimated 97+ million Americans are enrolled in plans that exclude Zepbound following major PBM (pharmacy benefit manager) formulary removals [1] Only 19% of large employer plans (200+ workers) cover GLP-1 medications for weight loss (KFF 2025)—rising to 43% among the largest employers (5,000+ workers, Mercer 2024) [2] [14] More than 88% of patients with coverage face prior authorization or other restrictions—your doctor must get approval before you can fill it [1] Medicare Part D excludes weight loss drugs by federal statute (may cover for sleep apnea indication) 13 state Medicaid programs explicitly cover GLP-1s for obesity, with policies evolving—the CMS BALANCE model may expand access starting May 2026 [9] Coverage by Plan Type If Denied, Appeals Often Succeed Over 65% of prior authorization appeals succeed when patients appeal—yet only about 1 in 10 patients ever file an appeal