The cheapest GLP-1 with insurance is roughly $25/month on Wegovy, Zepbound, Ozempic, Mounjaro, or Foundayo when your commercial plan covers the drug and you stack the manufacturer savings card. Only 43% of commercially insured users hit that scenario. When insurance won't cover a weight-loss GLP-1, PlexusDx cash-pay protocols start at $129/mo flat - cheaper than every branded self-pay route.

Foundayo costs $25/month with covered commercial insurance, $50/month on the Medicare GLP-1 Bridge, or $149–$349/month self-pay through LillyDirect. Most commercial plans don't cover GLP-1s for weight loss in 2026. Compare cash-pay PlexusDx Weight Management Protocols — Microdose at $129/mo flat, Semaglutide Injection $179–$229/mo, Tirzepatide Injection $229–$309/mo — with no membership fee.

Medicare Part D is statutorily prohibited from covering GLP-1s prescribed solely for weight loss, and manufacturer copay cards are off-limits to Medicare beneficiaries. This guide explains the Medicare GLP-1 Bridge launching July 2026, Part D backdoors for diabetes, CVD, and OSA, and the cash-pay options that work today — including PlexusDx Microdose GLP-1 Protocol at $129/mo flat and Semaglutide Injection at $179–$229/mo.