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Find My GLP-1 Path

COSTCO HEALTH SOLUTIONS · FORMULARY, CASH PRICE, AND COVERAGE GUIDE · 2026

Last updated: Last verified:

Best FDA-Approved GLP-1 on the Costco Health Solutions Formulary (2026)

By The RX Index Editorial Team · Last verified: August 17, 2026

Affiliate disclosure: some links on this page are affiliate links, and we may earn a commission at no cost to you. It does not change what we recommend, and it does not change the limits we report. We name free options that pay us nothing, right alongside the paid ones.


Best FDA-approved GLP-1 on the Costco Health Solutions formulary: the short answer

If you're hunting for the best FDA-approved GLP-1 on the Costco Health Solutions formulary, here's why you can't find it: Costco Health Solutions told employer plans in 2025 that it would stop providing pharmacy benefit management services nationwide. Plans moved on different dates and to different PBMs. There is no current universal Costco Health Solutions formulary to rank. Your current plan decides coverage now.

But the name did not fully disappear.

Costco's current prescription discount pages do not even name the program the same way. The main getting-started page says "Powered by Costco Pharmacy" and says Costco Pharmacy and Ventegra administer the program. Costco's FAQ and drug-price lookup pages still say "Costco Health Solutions/Ventegra" or "Powered by Costco Health Solutions."

Same old words. Completely different job. One was an employer pharmacy benefit with a drug list. The other is a cash discount program with no insurance coverage and no formulary.

That's the whole reason this search feels broken. You're looking for an insurance drug list under a name that now also appears on a coupon-style cash program.

So here's the useful version of the answer. If you're paying cash at Costco and want an FDA-approved medication for weight management, Wegovy has the lowest national starting price Costco currently publishes: tablets from $149 a month, plus eligible first fills of the injection at $199. If you're trying to use insurance, no drug is the automatic winner. You have to check the drug, form, dose, and rules in the live list for the plan you have now.

Two things change the answer fast. Ozempic is FDA-approved for adults with type 2 diabetes, not for weight management—so a low Ozempic price is not the answer to a weight-loss search. And Zepbound is FDA-approved for chronic weight management and may be the better clinical fit for you, but Costco does not publish one national Zepbound price. You have to pull a local quote.

Stay with us for the part almost nobody explains: what happened to the old plan, why three former Costco Health Solutions groups ended up with three different PBMs, where the clinical rules come from, and the one number your employer may set that decides whether you qualify at all.


Best for you if

  • Your old card, benefit packet, or a search result says Costco Health Solutions and you cannot find a current drug list.
  • You saw $149 or $199 at Costco and want to know if that is a copay, a cash price, or a full program total.
  • You want to know which FDA-approved GLP-1 name and form to search for.
  • You want a real ten-minute way to check your own plan instead of another generic article.

Not for you if

  • You want us to promise your plan covers a specific drug. We can't, and nobody honest can.
  • You're on Medicare—start with our Medicare GLP-1 Bridge at Costco guide instead. Eligible Part D members may have a $50 path that covers Foundayo, every Wegovy form, and the Zepbound KwikPen.
  • You want compounded medication comparisons. This page covers FDA-approved brand medications only, and we keep those two categories strictly separate.
  • You want a price-first answer with no clinician involved. That's not a thing we'll help with.

Your situation, in one screen

Your situation, in one screen
If this is youBottom lineFirst move
Old paperwork says Costco Health SolutionsDo not trust the old drug list or guess the replacement PBMFind the PBM name on your current pharmacy card
You want to use insuranceYour current employer plan and PBM decide—not CostcoLook up the exact drug and form in the live drug list
You want to pay cash at CostcoCMPP is a discount, not insuranceCompare the exact drug, form, dose, quantity, and location
You are on Medicare Part DCostco's cash program is not the first place to startCheck the $50 Medicare GLP-1 Bridge first

The RX Index is the independent GLP-1 decision resource that scores telehealth providers and treatment paths on clinical legitimacy, care quality, transparency, access, and cost, so readers can choose the path that fits their situation.

The right GLP-1 path is not the same for everyone. It depends on your state, your insurance and drug list, whether you want an FDA-approved or compounded medication, your preferred form, and your budget. Use The RX Index's Find My GLP-1 Path tool to sort those choices before you pay.


Why can't I find the Costco Health Solutions formulary?

Because Costco Health Solutions left the nationwide PBM business, and former employer clients did not all move to the same replacement. Some moved in September 2025. Others moved January 1, 2026. We verified former Costco Health Solutions groups that moved to Navitus, Express Scripts, and MedImpact. Your old Costco card cannot tell you which one runs your benefit now.

Let's slow down on that, because it is the source of nearly every wrong answer on this topic.

What Costco Health Solutions used to be

Costco Health Solutions was a real pharmacy benefit manager, or PBM. A PBM runs the prescription part of a health plan. It processes claims, builds pharmacy networks, applies drug-list rules, and handles steps such as prior authorization.

A formulary is the plan's drug list. It says which products the plan helps pay for and what rules sit next to each one.

The old Costco Health Solutions materials also show that Navitus had a deep role in the clinical work. A public Costco Health Solutions formulary said newly approved drugs would start as not covered while the Navitus Pharmacy and Therapeutics Committee reviewed them. Navitus's own pharmacy manual also listed Costco Health Solutions as a line of business.

That helps explain why some groups moved to Navitus. It does not prove all of them did.

What actual switch notices prove

We found three different replacement paths in employer and public-plan records:

What actual switch notices prove
Former Costco Health Solutions groupNew PBMEffective dateWhat the notice proves
Alaska Teamster-Employer Welfare TrustNavitusSeptember 1, 2025Members received new cards naming Navitus; the notice said the pharmacy plan itself stayed the same at that point
Plumbers Local 98 Insurance FundExpress ScriptsSeptember 1, 2025The fund said Costco Health Solutions would no longer provide PBM services nationwide; current coverage was grandfathered through January 1, 2026
City of RentonMedImpactJanuary 1, 2026City records approved a transfer of PBM services from Costco Health Solutions to MedImpact
Northwest IronworkersNavitusJanuary 1, 2026A member notice said Costco Health Solutions was integrating its offering into Navitus and told members to use a new card

Four notices. Three replacement PBMs. Two transition dates. That is the finding that ends the guessing.

If a page tells every former Costco Health Solutions member to log in to Navitus, that page can send people to the wrong company.

The January 1, 2026 Navitus pattern

There is still a real Navitus pattern worth knowing.

On June 26, 2025, Navitus announced that it would sunset the EpiphanyRx brand effective January 1, 2026 and move that smaller-employer offering under the Navitus name as Navitus Key. Navitus said the goal was to put multiple PBM lines under one brand. It also said Navitus served more than 18 million lives across 800 clients and was owned by SSM Health and Costco Wholesale.

Northwest Ironworkers then moved from Costco Health Solutions to Navitus on the same January 1, 2026 date.

That makes Navitus a real possible successor. It does not make Navitus the default answer.

We are not going to tell you that every former Costco Health Solutions client moved to Navitus. We can now prove the opposite. Some moved to Express Scripts. At least one public employer moved to MedImpact. Pretending there is one replacement would be the exact kind of guess that gets people to the pharmacy counter with the wrong information.

The honest limit of this page

We're going to say this plainly, because it's the reason you can trust the rest.

We will not print a table claiming "Costco Health Solutions covers Wegovy at Tier 2." We cannot verify that for your old plan, and it would not answer what your current plan covers anyway. Employer drug lists differ. The current member answer sits in the plan portal tied to the card in your wallet.

Plenty of pages will hand you a confident-looking answer. Ours is a verified path to your answer instead. That's a worse headline and a much better outcome.


Is the Costco GLP-1 price insurance or just a discount?

It is a discount. The Costco Member Prescription Program, or CMPP, is not insurance. You pay the discounted price in full, you cannot combine it with insurance or another discount card on the same fill, and the money does not count toward your prescription insurance deductible.

This is the single most expensive misunderstanding on this topic, so here are Costco's current rules in plain words:

Is the Costco GLP-1 price insurance or just a discount?
Costco ruleWhat it means for you
CMPP is not insuranceNo insurer is paying. You are.
You choose CMPP or prescription insurance for that fillNot both
CMPP dollars do not count toward your prescription deductibleA $349 cash fill may get you no closer to meeting it
CMPP cannot be combined with commercial insurance, Medicare Part D, Medicaid, or a state planGovernment and private claims stay in a separate lane
Other discount cards and coupons cannot be stacked with CMPPDo not expect a GoodRx coupon on top
Your Costco membership card is the CMPP cardThere is no extra CMPP enrollment fee
Prices can change and vary by locationCall before you transfer a prescription

Eligible dependents include people under 18 and pets. Costco also says CMPP works through participating pharmacies beyond Costco warehouses. That tells you exactly what this program is: a buying-power discount, not a health benefit.

The naming collision is real—and Costco's own pages disagree

The current Costco pages use two versions of the administrator name:

The naming collision is real—and Costco's own pages disagree
Costco page checked August 17, 2026Name shown
CMPP getting-started pagePowered by Costco Pharmacy; administered by Costco Pharmacy and Ventegra
CMPP FAQPowered by Costco Health Solutions/Ventegra
Individual drug-price lookup pagesPowered by Costco Health Solutions; administered by Costco Health Solutions and Ventegra

That is why the old name still appears in a current search even though employer plans were moved away from the old PBM service.

The cash program and the old employer benefit are not interchangeable. One gives you a price. The other used to decide coverage.

If someone told you "Costco Health Solutions covers Wegovy," they may be mixing up a current discount-page footer with an insurance formulary.

One decision, three lanes

You are not deciding "which drug is best" yet. You are deciding which lane you're in. Everything else follows.

One decision, three lanes
What you're holdingWhat it actually isInsurance?Who decides coverage?Your next move
Old Costco Health Solutions card or benefit PDFA legacy employer-plan referenceIt used to beWhoever runs your plan nowFind the PBM name on your current card
A current PBM cardYour pharmacy benefitYesYour employer plan and PBMSearch the exact drug and form in the member portal
Costco membership card at the pharmacyA CMPP cash discountNoNobody; it is a price, not a covered benefitAsk for today's member cash price
A telehealth membershipClinical care and prescribing when appropriateThe care fee is separateYour plan still decides drug coverageUse it only if you need the care job done
Medicare Part DGovernment drug coverageYesCMS, the Bridge processor, and your planCheck Bridge eligibility before paying cash

You're not missing a hidden formulary. You're holding two different products with the same old words on them. Sort out which lane you're in and the rest gets easy.

Show me which GLP-1 path fits my situation — answer a few questions about your plan, form preference, and budget. The tool tells you whether your next step is an insurance check, a cash quote, or a clinician visit.


Which FDA-approved GLP-1 medications exist right now?

There are four FDA-approved brand medications for chronic weight management: Zepbound, Wegovy, Foundayo, and Saxenda. Wegovy now comes as a daily tablet and weekly injections, including the higher-dose Wegovy HD pen. A separate group—including Ozempic, Mounjaro, Rybelsus, Trulicity, and Victoza—is approved for type 2 diabetes. Mixing those lanes up is one of the fastest ways to hit a coverage problem.

The original count of five treated the Wegovy pill and Wegovy injection as two different medications. They are two forms of the same brand and ingredient.

FDA-approved for chronic weight management

FDA-approved for chronic weight management
MedicationIngredientFormKey FDA factsSearch your drug list for
ZepboundtirzepatideWeekly injection: single-dose pen, vial, or KwikPenApproved for chronic weight management; also approved for moderate-to-severe obstructive sleep apnea in adults with obesityZEPBOUND, then check the device
WegovysemaglutideDaily tablet or weekly injectionApproved for chronic weight management; also has a cardiovascular-risk indication for certain adults. Wegovy HD 7.2 mg was approved March 19, 2026 for certain adultsWEGOVY, WEGOVY TAB, and WEGOVY HD separately
FoundayoorforglipronDaily tabletFDA-approved April 1, 2026. It can be taken with or without food and does not carry Wegovy's empty-stomach timing ruleFOUNDAYO and orforglipron
SaxendaliraglutideDaily injectionApproved for chronic weight managementSAXENDA and liraglutide

FDA-approved for adults with type 2 diabetes

FDA-approved for adults with type 2 diabetes
MedicationIngredientForm
MounjarotirzepatideWeekly injection
OzempicsemaglutideWeekly injection and tablets
RybelsussemaglutideDaily tablet
TrulicitydulaglutideWeekly injection
Victoza / liraglutideliraglutideDaily injection
Byetta / Bydureon BCiseexenatideInjection

The trap in plain words

Same ingredient family. Different brand and labeled use.

Semaglutide is Wegovy for weight management. Ozempic and Rybelsus are diabetes brands. Tirzepatide is Zepbound for weight management and sleep apnea. Mounjaro is the diabetes brand.

Costco advertises cash prices on Ozempic. Those prices are real. They are also not the answer to a weight-management question. On a plan that checks the diagnosis code, a claim for a diabetes brand can reject when the required covered diagnosis is missing.


So which FDA-approved GLP-1 should I actually ask for?

For a cash-pay weight-management search at Costco, Wegovy is the strongest published starting point: tablets from $149 a month and eligible first injection fills at $199. That's our editorial read of current posted prices and FDA-labeled uses—not a claim that Wegovy works better than Zepbound, Foundayo, or Saxenda for you. Your clinician decides which medication fits your history.

We want to be careful here, because "best" can mean two very different things and only one of them is ours to answer.

We can answer: which FDA-approved weight-management medication has the lowest national Costco starting price we could verify, which forms have a public price, and which exact names to search on a drug list.

We can't answer: which medication is medically right for your body. Nobody writing an article can.

Why Wegovy is our Costco starting point

  • It is FDA-approved for weight management, so it is in the right lane.
  • Costco currently publishes national headline prices for both the tablet and injection.
  • The $149 tablet is the lowest national Costco starting price we could verify for an FDA-approved weight-management brand.
  • It comes as a daily tablet and a weekly injection, so one brand covers two very different preferences.

Pill or injection?

Pill or injection?
Wegovy tabletWegovy injection
How oftenOnce a dayOnce a week
Published starting price$149/month for 1.5 mg; 4 mg is $149 through August 31, 2026, then $199$199/month for the first two eligible 0.25 mg or 0.5 mg fills through December 31, 2026
Published ongoing price$299/month at 9 mg and 25 mg$349/month at 0.25–2.4 mg after the offer; Wegovy HD is $399 through the manufacturer self-pay channel
The real tradeoffTake it on an empty stomach with up to 4 ounces of water, then wait at least 30 minutes before food, drinks, or other pillsYou have to inject, but only once a week
Who it may fitYou want to avoid injections and can keep a strict daily routineYou want a weekly routine or the daily empty-stomach rule will not survive your actual life

That empty-stomach rule is not a footnote. It is in the FDA prescribing information. It is a real daily friction point. If your mornings are chaos, the weekly shot may be the more honest option to discuss.

Where Foundayo fits

Foundayo is the other FDA-approved daily pill for weight management. It was approved April 1, 2026. Unlike Wegovy tablets, it can be taken with or without food.

That makes the decision more useful than "pill versus shot":

  • Wegovy tablet: lower verified Costco starting price, but a strict morning routine.
  • Foundayo: no empty-stomach timing rule, but no national Costco price was verified for this page.

If daily timing is the deal-breaker, ask your clinician and plan about Foundayo by both brand and ingredient name.

Where Zepbound fits

Zepbound is FDA-approved for chronic weight management and for moderate-to-severe obstructive sleep apnea in adults with obesity. For many people, it is the drug their clinician wants to use.

We're not putting one national Costco price on it, because Costco gives you a location-based lookup instead of one flat national offer. Enter the exact device, strength, quantity, and ZIP code, or call your local Costco pharmacy.

For a separate benchmark—not a Costco quote—Lilly's self-pay program currently lists the 2.5 mg starting dose at $299, 5 mg at $399, and higher approved doses at $449 under its program terms. The 2.5 mg dose is a starting dose, not an approved maintenance dose.

If your clinician recommends Zepbound, a lower Wegovy starter price is not a reason to argue.


What do FDA-approved GLP-1s actually cost at Costco right now?

Costco's published cash prices depend on the drug, form, dose, quantity, location, and offer terms. Wegovy tablets start at $149 a month. Eligible first fills of low-dose Wegovy or Ozempic injections are $199 through December 31, 2026. Ongoing published injection prices are $349, while Ozempic 2 mg is $499. These are cash discount prices, not insurance copays.

Published prices, by drug and dose

Published prices, by drug and dose
Medication and formFDA-approved purposePublished cash priceWatch out for
Wegovy tablet, 1.5 mgWeight management$149/monthStarting dose
Wegovy tablet, 4 mgWeight management$149/month through Aug. 31, 2026; then $199The price changes before the next monthly update of many articles
Wegovy tablet, 9 mg or 25 mgWeight management$299/month25 mg is the labeled adult maintenance dose; budget for the higher tier
Wegovy injection, 0.25 mg or 0.5 mgWeight management$199/month for the first two eligible fills through Dec. 31, 2026; then $349New-patient and program rules apply
Wegovy injection, 1–2.4 mgWeight management$349/monthThe real ongoing posted number for the standard pen
Wegovy HD 7.2 mgWeight management$399/month through NovoCare self-payThis is an official manufacturer benchmark, not a national Costco quote
Ozempic injection, 0.25 mg or 0.5 mgType 2 diabetes$199/month for the first two eligible fills through Dec. 31, 2026; then $349Not a weight-management answer
Ozempic injection, 1 mgType 2 diabetes$349/month
Ozempic injection, 2 mgType 2 diabetes$499/monthHighest national GLP-1 price Costco currently posts in this offer
ZepboundWeight management; sleep apnea in certain adultsNo single national Costco price verifiedPull a local quote by device, dose, quantity, and ZIP
FoundayoWeight managementNo single national Costco price verifiedSearch the live Costco lookup or call

Prices and offer dates verified August 17, 2026. Costco says prices may change without notice and vary by location. Manufacturer and program eligibility rules apply.

The offer clock nobody should hide from you

The live terms are no longer the expired March dates shown in the draft.

  • The Wegovy 4 mg tablet stays at $149 only through August 31, 2026, then moves to $199 under the current NovoCare terms.
  • The first two eligible fills of Wegovy 0.25 mg or 0.5 mg injections stay at $199 through December 31, 2026, then move to $349.
  • Costco's current main CMPP page shows the same December 31, 2026 deadline for the Wegovy and Ozempic injection starter offers.

That means a page checked today can be wrong two weeks from now.

Treat every posted price, including ours, as a starting point. Get today's quote before you transfer a prescription. The dose tiers are published. Your location, eligibility, stock, and checkout total still need a live check.

What a 12-fill Wegovy year looks like

Starter prices sell the click. Maintenance prices pay the bill. So we ran the simple 12-fill budget.

What a 12-fill Wegovy year looks like
Example path12-fill medication totalAverage per fillWhat this assumes
Wegovy tablet with the 4 mg $149 offer$3,288$274One fill at 1.5 mg, one at 4 mg, ten at $299; no pauses or dose changes
Wegovy tablet after the 4 mg offer ends$3,338$278Same path, but 4 mg costs $199
Standard Wegovy pen with two $199 starter fills$3,888$324Two starter fills at $199, then ten fills at $349

That is medication only. It does not include a clinician, membership, labs outside a program, needles or supplies not included with the product, taxes where applicable, or a different dose path chosen by your prescriber.

Three cost details almost nobody mentions

Costco Executive reward math. Costco says eligible U.S. pharmacy purchases can earn the 2% Executive reward, but only the amount you actually pay counts, and prescription purchases are excluded in Arkansas, New Jersey, and New York. Thirteen 28-day $349 fills would equal $90.74 in reward. The Executive upgrade costs $65 more than Gold Star, so the gross difference would be $25.74 before counting any other Costco spending—and only if every fill qualifies.

The savings-card trap. Novo Nordisk says eligible commercially insured patients may pay as little as $25 for Wegovy, with a maximum $100 monthly savings. Government beneficiaries are excluded. A cash price outside insurance does not count toward your deductible or out-of-pocket limit, and your plan's rules decide how manufacturer assistance is treated. Check both numbers before celebrating a low first receipt.

Medicare has a separate $50 path. The Medicare GLP-1 Bridge runs from July 1, 2026 through December 31, 2027 for eligible Part D beneficiaries. It covers all formulations of Foundayo, all formulations of Wegovy, and the Zepbound KwikPen. It does not include the Zepbound single-dose pen or vial. The $50 copay does not count toward the Part D deductible or true out-of-pocket costs.

If you're on Medicare, don't buy anything on this page until you've read our Medicare GLP-1 Bridge at Costco guide.


How do I find out what my current plan actually covers?

Start with the pharmacy card in your wallet, not the old one in your files. Find the PBM name printed on it, look up the exact drug and form in that plan's member portal, and write down every coverage code next to it. That takes about ten minutes and it is the only path that produces a real answer.

The five-step check

1. Find your newest prescription card. Not the medical insurance card unless both benefits share one card. Look for the section marked Rx.

2. Write down the PBM name. This is the company that runs your drug benefit. It may not match the health insurance company's name. Former Costco Health Solutions groups moved to more than one PBM, so do not guess.

3. Search the exact brand and form. Do not stop at semaglutide or tirzepatide. Search:

  • WEGOVY
  • WEGOVY TAB
  • WEGOVY HD
  • ZEPBOUND, then each device if the portal separates them
  • FOUNDAYO
  • SAXENDA

4. Record everything next to the drug. Covered or excluded. Tier or copay. Then every restriction code. These labels are common, but the exact abbreviations can vary by plan.

The five-step check
Common code or labelWhat it often meansWhat you do about it
PAPrior authorization—your prescriber must send more information firstAsk for the exact criteria and start early
QLQuantity limit—a cap per fill or time periodAsk for the exact limit
STStep therapy—you must try another treatment firstAsk which treatment and whether past use counts
Diagnosis restriction or RDXThe diagnosis on the claim must match the plan ruleCheck the diagnosis submitted with the claim
Specialist restriction or RSA certain type of prescriber may be requiredAsk who is allowed to submit
NC, EXC, or not coveredThe drug or category is excludedAsk about an exception and any off-benefit program
Tier or a fixed copayYour member cost levelAsk for the dollar amount, not just the tier number

5. Call the number on the current card and confirm the result before you pay for a telehealth membership or transfer a prescription.

Say this on the phone

To your HR or benefits team:

"My older pharmacy materials mention Costco Health Solutions. Who administers my prescription benefit now, where do I find the current drug list, and is there a weight-management medication program outside the pharmacy benefit?"

To the PBM:

"Please check the exact product and form, not just the ingredient. Is Wegovy injection covered? Is the Wegovy tablet covered? Is Wegovy HD covered? Is the Zepbound device my prescriber chose covered? Is Foundayo covered? For each one, what will I pay and does it need prior authorization, step therapy, a quantity limit, or a specific diagnosis?"

Don't accept these answers

  • "GLP-1s are covered." Covered means nothing without a brand, form, and use.
  • A retail cash price treated like your copay.
  • An old PDF when the live portal says something else.
  • "Prior authorization required" with no explanation of the criteria.
  • What a coworker's plan does. Same PBM does not mean same employer plan.
  • "The ingredient is covered" when your prescription is for a different brand or device.

Use Find My GLP-1 Path before you pay — it will sort you into the insurance, cash-pay, Medicare, or clinician lane and show the next check that matters.


What if my new card says Navitus?

A Navitus card still does not produce one universal answer. Navitus builds benefits around each client, so two Navitus members with different employers can get opposite results on the same drug. But Navitus publishes enough about its contracts and process that you can see where the hurdles may come from—and one of them can be a number your employer chose, not a number the FDA chose.

This section is where the real leverage is, so we're going to be specific.

A stricter BMI rule can change the price of the benefit

This is the finding we'd most want you to walk away with.

The FDA-labeled adult weight-management benchmark is generally a body mass index, or BMI, of 30 or higher, or 27 or higher with at least one weight-related condition.

Public Wisconsin benefit records show that its Navitus manufacturer agreements tied rebates to how closely the plan followed those labeled criteria. The records said rebates were reduced when the minimum BMI moved to 35 and ended when the minimum went above 35. A separate memo explained that changing the benefit away from FDA criteria could move the plan into a worse pricing tier or remove rebates.

Read that again. In one public Navitus contract set, there was literally a price tied to making the BMI rule stricter.

Now watch what real plans did:

A stricter BMI rule can change the price of the benefit
Navitus-administered planWeight-management ruleWhenWhat it proves
University of California faculty and staff plansWeight-loss drugs required a pre-treatment BMI of 40 or higher for 2026; diabetes-drug criteria did not change2026A plan can set a threshold far above the FDA label
State of Wisconsin group planThe board approved a $200 copay for anti-obesity medicines for 2027, with related contract limits on BMI and copay choices2027A plan can control access through cost instead of a total category exclusion
FDA label benchmarkBMI 30+, or 27+ with a weight-related conditionCurrentThe labeled medical eligibility benchmark is not always the plan's payment rule

Same PBM. One public plan says 40. Another chose $200. The label says 30.

So if your plan tells you the cutoff is 35 or 40, that number may be a benefit-design rule above the FDA label. It is not a verdict on your body. That is a fair thing to ask HR about, and you can ask without sharing your own weight:

"What pre-treatment BMI threshold does our plan use for weight-management medication coverage?"

Navitus published a study of an automated point-of-sale diagnosis check for diabetes GLP-1 claims. The study included 297,514 members: 233,747 in plans that required diagnosis codes and 63,767 in plans that did not.

Among claims first rejected because the diagnosis code was missing, 45% were later approved after the right documentation arrived. Of those approved claims, 78.3% cleared within one day and 89.6% within four days. The mean delay was 2.4 days.

That is more useful than saying every rejection is final. It also does not mean every Navitus plan runs the same check. This was a Navitus study of selected plans, and the authors listed limits in the study design.

Practically: if a diabetes GLP-1 rejects at the counter, ask whether the claim is missing the diagnosis code the plan requires. A corrected claim may solve the problem faster than a full appeal.

Three Navitus prior-authorization rules worth writing down

These come from Navitus's current public prior-authorization process.

Urgent requests get a decision within 24 hours of receipt. A prescriber has to identify the request as urgent and meet the published conditions.

On a weekend or holiday, a qualifying urgent request can get a five-day supply with no copay. The prescriber then has to submit the prior-authorization form on the next business day.

An incomplete request can become a paperwork denial. Navitus says it contacts the prescriber for missing information. If the prescriber does not respond within the set time, the request is denied. That is not the same thing as a complete clinical review saying no.

Worth saving:

  • Navitus prior authorization phone: 844-268-9789
  • Commercial prior authorization fax: 855-668-8551
  • Medicare prior authorization fax: 855-668-8552
  • Medicaid prior authorization fax: 855-668-8553

Use the number on your own card first when it is different.

Some Navitus plans have a no-login preview

The University of California directs prospective and current members to a Navitus benefits site where they can check drug coverage and plan documents without a member account.

That does not mean every employer has a public preview. It does mean this question is worth asking before open enrollment:

"Is there a public Navitus drug-list preview for our employer plan?"

Inside a member portal, search for a button or link such as Coverage Details, Price a Medication, or Drug Coverage. The exact label can differ.

"Not on the formulary" may not be the end

Navitus markets a plan-sponsor product called DirectAccess as a flexible, off-benefit way to balance GLP-1 access and affordability.

Off-benefit means the option may never appear on the formulary you're searching. That is why you ask HR one extra question:

"Is there a GLP-1 or weight-management medication program outside the pharmacy benefit?"

Some employers route access around the normal drug list. If yours does and nobody told you, you can waste months pricing a path your employer already set up.

Why the rules are this tight

Some context, because it helps to know you're not being singled out.

Navitus reported that its overall drug-cost trend was 8.4% in 2025, compared with 7.9% when GLP-1s were removed. In 2024, the figures were 7% overall and 5.9% without GLP-1s. Navitus credited improved contracting and strict utilization management for narrowing the gap.

Those are Navitus's own client results, not a promise about your plan. They do explain why employers keep changing thresholds, copays, forms, and prior-authorization rules.


Why did my GLP-1 get rejected?

Start with six checks. Several are fixable: the diagnosis code, exact device, prior authorization, missing paperwork, category exclusion, or the payment path used at the register. Do not accept "not covered" until you know which one happened.

Why did my GLP-1 get rejected?
What you were toldWhat may actually be happeningThe fix
"Not covered" on a weight-management GLP-1Your employer excluded the category or your exact productAsk HR about an off-benefit program, then compare cash paths
Rejected even though the brand is on the listThe plan requires a diagnosis code that was missing or did not match its ruleAsk the pharmacy or PBM for the rejection code; have the prescriber correct the claim when appropriate
"Prior authorization required"The plan needs clinical records before it paysGet the exact criteria and have the prescriber submit a complete request
Denied after the office submittedThe PBM asked for missing information and got no reply in timeCall the office; ask whether the request was incomplete and should be resubmitted
Drug approved, device rejectedThe plan lists the pen, vial, KwikPen, tablet, or HD form separatelyHave the prescriber use the covered form only when medically appropriate
Denied on BMIYour plan's payment threshold is above the FDA label or the pre-treatment BMI was not documentedConfirm the exact threshold and ask the prescriber what records support the request
Price is far above the posted cash offerThe claim ran through insurance, full retail, the wrong product, or an ineligible offerAsk which payment route and exact NDC were used

Or the price is just wrong at the register

If Costco quotes you $1,000-plus instead of the posted $149, $199, $349, or $499 tier, work through these in order:

  1. Wrong product. Tablet versus injection. Wegovy versus Ozempic. Standard pen versus HD. Starter dose versus maintenance dose.
  2. Wrong payment path. Ask: "Is this running through my insurance, the Costco Member Prescription Program, a manufacturer offer, or full retail cash?"
  3. Membership not attached. Costco says your membership card is the CMPP discount card. Show it and ask for the member cash price by name.
  4. Offer rules not met. The $199 injection price is limited to eligible first fills at the listed starter strengths.
  5. Location or stock. Costco says CMPP pricing varies by location. A price is not useful if the product is not in stock.

Say this:

"I have a prescription for [exact brand, form, strength, and quantity]. I am a Costco member and want today's Costco Member Prescription Program cash price, not an insurance estimate. What is the price, is it in stock, and what do you need from me to apply the member program?"


Can someone check my insurance for free before I pay for anything?

Yes. Ro runs a free GLP-1 insurance checker for the Ozempic pen, Wegovy pen, and Zepbound single-dose pen. It reports whether the plan covers the product and whether prior authorization is required. You do not need a prescription or paid Ro membership to request the report.

This is the step we'd take first if the drug you want is one of those three pens, because it is free and it answers the question everything else depends on.

Ro says the report can be shared with your doctor. If you later enroll in Ro Body, its insurance concierge can help with prior authorization and coverage work.

The exact limit of Ro's free checker

Ro's current checker covers:

  • Ozempic pen
  • Wegovy pen
  • Zepbound single-dose pen

It does not currently check:

  • Wegovy tablet
  • Wegovy HD
  • Foundayo
  • Zepbound vial
  • Zepbound KwikPen

If one of those newer forms is your whole question, Ro's checker is the wrong tool. Use your plan portal and call the number on your card.

Ro Body pricing, separated from the medication

Ro Body membership, verified August 17, 2026:

Ro Body pricing, separated from the medication
PlanCare feeBilling
First month$39Refunded if Ro finds you are not eligible for GLP-1 treatment
12-month plan$74/month equivalentPrepaid annually
6-month plan$89/month equivalentPrepaid every six months
3-month plan$99/month equivalentPrepaid every three months
Monthly plan$149/monthBilled monthly

Medication is billed separately.

Ro currently lists cash starts at $149 for the Wegovy pill and Foundayo, $199 for the Wegovy pen, and $299 for the Zepbound KwikPen. Those current starting prices match the main manufacturer cash channels, but the Ro care fee sits on top.

And we'll say the part that costs us money: NovoCare and Lilly's direct savings channels may sell the same medication at the same manufacturer-set cash price, and we earn nothing when you use them. If you already have a prescriber who handles the paperwork, compare the direct channel before paying a care membership.

Check your GLP-1 insurance coverage on Ro—free — use this only for the Ozempic, Wegovy, or Zepbound single-dose pens. For every other form, use your plan's live portal.

If you're on Medicare, stop here and read the Medicare GLP-1 Bridge at Costco guide instead. Eligible Part D members may have a $50 path that beats every cash option on this page.


Do I need Sesame to get the Costco price?

No. If you already have a clinician who will evaluate you and prescribe when appropriate, that clinician can send the prescription to Costco and you can ask for the member cash price. Sesame is worth paying for when you do not have a prescriber, or when you want ongoing virtual care attached to the prescription.

Costco's instructions are simple: have your prescriber send the prescription to the Costco pharmacy you choose. No telehealth subscription is required to fill it.

So who is Sesame actually for?

Success by Sesame is a telehealth weight-management program. The advertised lowest care price is $59 a month only with a 12-month commitment billed in advance once per year. That is $708 upfront. The month-to-month plan is $99 billed every 28 days.

The program includes video visits, messaging, ongoing care, a provider you choose, and labs under its current terms. Providers on Sesame set their own prices, so some may charge more. Included Quest lab work also has state exclusions: Arizona, Hawaii, North Dakota, New Jersey, New York, Oklahoma, Rhode Island, South Dakota, and Wyoming.

The medication is not included. Sesame states that on its own pricing page. The subscription is the care. The prescription drug is a second bill.

Your real monthly cost is two numbers

Your real monthly cost is two numbers
SetupCare feeMedication exampleApproximate total
Your own doctor + Costco, Wegovy tablet 1.5 mgYour normal visit cost$149$149 plus your visit cost
Sesame annual plan + Wegovy tablet 1.5 mg$59/month equivalent, paid annually$149$208/month equivalent
Sesame annual plan + Wegovy tablet 25 mg$59/month equivalent, paid annually$299$358/month equivalent
Sesame annual plan + eligible first Wegovy injection fill$59/month equivalent, paid annually$199$258/month equivalent
Sesame annual plan + ongoing standard Wegovy injection$59/month equivalent, paid annually$349$408/month equivalent
Sesame month-to-month + ongoing standard Wegovy injection$99 every 28 days$349$448 per 28-day cycle
Ro coverage report only$0No drug purchased$0 to check the three supported pens

Arithmetic uses published care and medication prices verified August 17, 2026. It is not a guarantee of eligibility, stock, checkout total, or the treatment your clinician will choose.

That $59 headline can look cheap until you notice the $708 upfront commitment and the separate drug bill. That does not make the program bad. It tells you what job you're buying: access to ongoing clinical care, not a $59 medication.

See the current Success by Sesame program details — use this when you need a prescriber and ongoing care. Check the provider's exact fee, lab rules in your state, commitment, refund policy, and medication price before you pay.

Already have a clinician who will handle this? Skip Sesame. Have the prescription sent to Costco and ask for today's member cash price.


Who should not use the Costco cash price?

Anyone whose insurance would cost less. Anyone who needs the spending to count toward a deductible or out-of-pocket maximum. Anyone who is eligible for a better government path. And anyone whose clinician recommends a different medication than the one with the lowest starter price.

We'd rather lose you here than have you waste money.

If you have coverage, check it first. A $25 copay beats a $149 cash price by $124 per fill, or $1,488 over 12 fills. A $25 copay beats a $349 cash price by $324 per fill, or $3,888 over 12 fills. And the covered claim may count toward your deductible and out-of-pocket limit. A CMPP cash fill does not count toward your prescription deductible.

If you're on Medicare Part D, check the Bridge first. Eligible members may pay $50 for covered Bridge drugs. Do not try to combine CMPP with Medicare. Start with the Medicare GLP-1 Bridge at Costco guide and your plan.

If you're on Medicaid or another state program, use that coverage path first. Costco says CMPP cannot be combined with a state plan. Ask the plan what it covers and whether a separate weight-management benefit exists.

If you need heavy prior-authorization help, your own clinician's office or a care program with an insurance team may serve you better than a cash discount.

If you're choosing on the intro price, run the math on the maintenance price. The $199 Wegovy injection offer is for two eligible starter fills. The $149 Wegovy tablet price applies to the two lowest strengths, and the 4 mg offer changes after August 31, 2026. The prices you may live with are $299 for higher tablets or $349 for the standard injection.

And if your clinician recommends something else, listen to them. A lower price does not make a medication appropriate. Nothing in a price table should override a licensed prescriber who knows your history.


What medical facts change the answer?

The right medication depends on why you're taking it, whether you meet the labeled criteria, your medical history, your other medications, pregnancy plans, and whether you can safely and reliably use a daily pill or weekly injection. Price should narrow your options only after a clinician decides which ones are appropriate at all.

A short, honest safety section—not a scare wall.

Current FDA labeling for these GLP-1 medicines carries boxed warnings about thyroid C-cell tumors seen in rodents. It is not known whether the drugs cause medullary thyroid carcinoma in people. They should not be used by people with a personal or family history of medullary thyroid carcinoma or with Multiple Endocrine Neoplasia syndrome type 2.

Common side effects can include nausea, diarrhea, vomiting, constipation, stomach pain, indigestion, and other stomach problems. The labels also contain serious warnings that can involve the pancreas, gallbladder, kidneys, dehydration, severe stomach problems, allergic reactions, and other risks that differ by product and patient.

Wegovy contains semaglutide and should not be used with another semaglutide product or another GLP-1 receptor agonist. Do not combine GLP-1 medicines unless the current label and your prescriber specifically support the plan.

Read the current FDA Medication Guide for the exact drug and form you are considering. Tell the prescriber about every medicine you take and whether you are pregnant, breastfeeding, planning pregnancy, or having a procedure with anesthesia or deep sedation.

Why compounded GLP-1s are not in this comparison

Compounded drugs are not FDA-approved. FDA does not review them for safety, effectiveness, or quality before they are sold. FDA says compounded drugs should be used only when a patient's medical need cannot be met by an available FDA-approved drug.

FDA has also reported dosing errors with compounded semaglutide, including patients taking several times the intended dose and some cases requiring hospital care.

That does not make every compounded prescription the same. It does mean we will not place compounded products in an FDA-approved price table or describe them as generic versions of the brands on this page.

This page compares access and payment paths. It does not tell you which medication to take.


How we built this page, and what we actually verified

We checked primary sources—the companies', agencies', employers', and public plans' own documents—and dated the live claims. Where a fact could not be verified, we left it out or labeled the limit. Nothing on this page is based on what pays us.

Our provider judgments use the RX Index Score, which weighs exactly five things in this order: clinical legitimacy, care quality, transparency, access, and cost.

One note on scope: this page covers FDA-approved brand medications only. We did not place compounded GLP-1 options in the same table because they are not FDA-approved and are not interchangeable with the approved products.

Provider-stated versus independently checked

Provider-stated versus independently checked
ClaimWhat the provider saysWhat we could verifyWhat remains unknown
Costco GLP-1 cash pricesCostco posts national starting tiers and says prices vary by locationWegovy offer dates and amounts match NovoCare's current terms; Costco's live main page shows the Dec. 31, 2026 injection deadlineYour local checkout price, eligibility, stock, taxes, and exact NDC
Costco Health Solutions exitFormer employer plans say CHS stopped nationwide PBM serviceWe found primary notices showing moves to Navitus, Express Scripts, and MedImpactEvery former client's replacement PBM
Ro free checkerRo says it checks three autoinjector pens at no costIts live checker names Ozempic pen, Wegovy pen, and Zepbound pen, and names the forms it cannot checkWhether the report will return a firm cost estimate for your plan
Ro Body pricingRo posts $39 first month and $74–$149 ongoing care plansThe live pricing page gives each commitment, prepay rule, and the ineligibility refundYour clinical eligibility, drug choice, final medication cost, and insurance result
Success by SesameSesame advertises care from $59 a monthThe live page shows that $59 requires a 12-month commitment billed in advance; medication is separateWhich provider you choose, any higher provider-set fee, your medication, and local lab cost
Navitus rulesNavitus publishes general PA rules, a diagnosis-check study, and plan-sponsor productsPublic plan records show client-specific BMI and copay choicesThe rules on your employer's plan

What we verified on August 17, 2026

What we verified on August 17, 2026
WhatHow
Costco Health Solutions stopped nationwide PBM service and clients moved on different datesEmployer and public-plan switch notices
Verified successors include Navitus, Express Scripts, and MedImpactAlaska Teamsters, Plumbers Local 98, Northwest Ironworkers, and City of Renton records
Costco's current CMPP pages use conflicting Costco Pharmacy and Costco Health Solutions administrator namesSide-by-side check of the getting-started page, FAQ, and drug lookup
CMPP is not insurance, cannot be combined, and does not count toward the prescription deductibleCostco's current FAQ and buying guide
Current Wegovy and Ozempic prices and offer datesCostco's live CMPP page and NovoCare
Four FDA-approved weight-management brands and the current formsFDA approval announcements and prescribing information
Foundayo approval on April 1, 2026 and Wegovy HD approval on March 19, 2026FDA
Medicare Bridge dates, $50 copay, covered products, and excluded Zepbound devicesCMS
Navitus rebate effects tied to BMI and copay choices in public Wisconsin recordsWisconsin Group Insurance Board memos
UC's 2026 pre-treatment BMI 40 ruleUniversity of California open-enrollment materials
Navitus's 24-hour urgent decision, five-day weekend supply, and incomplete-form processNavitus prior-authorization page
Navitus diagnosis-study size and resolution timesNavitus study report
Ro prices, prepay commitments, refund, medication separation, and checker scopeRo's live pricing and checker pages
Sesame's annual and month-to-month billing, included care, lab exclusions, and separate medication costSesame's live program page

What we did not verify—and won't pretend to

  • Your current drug list, tier, copay, deductible treatment, or approval criteria.
  • A single replacement PBM for every former Costco Health Solutions client. The records prove there was not one universal move.
  • A national Costco cash price for Zepbound or Foundayo.
  • Whether your local Costco has any medication in stock.
  • Whether you are clinically eligible for any medication.
  • A final checkout total from Ro, Sesame, NovoCare, Lilly, or Costco for your case.

We did not call Costco posing as a patient, and we did not enroll in a program to write this. We read what the companies, agencies, employers, and public plans publish, we dated it, and we told you where the limits are.

If we removed every provider link on this page, the replacement-PBM evidence, 12-fill budget, live offer clock, phone scripts, BMI contract finding, and free five-day Navitus supply rule would still be worth the visit. That was the bar.


What should you do next?

Start with the name on your current pharmacy card. Use the live drug list if you want insurance. Use the Costco discount only when you're knowingly choosing cash. Add a telehealth program only when you actually need a prescriber or ongoing care. Do not pay for anything until you know which job you need done.

If you have insurance and do not know your coverage

  1. Look up the exact drug and form in your plan portal.
  2. Write down the dollar cost and every restriction.
  3. Call the number on the current card and confirm it.
  4. Ask your clinician which covered option fits you.
  5. Compare the final covered cost against Costco's cash price.

If you already have a prescription and want the Costco price

  1. Confirm the exact brand, form, strength, quantity, and device.
  2. Get today's member price from your local Costco pharmacy.
  3. Ask if it is in stock.
  4. Have your clinician send it to that pharmacy.
  5. At pickup, confirm whether it is running through CMPP, insurance, a manufacturer offer, or full retail cash.

If you need a clinician and plan to pay cash

  1. Compare the care fee separately from the medication.
  2. Confirm that medication is not included.
  3. Check the commitment, prepay amount, billing cycle, and refund policy.
  4. Ask whether the clinician can send the prescription to Costco or your chosen pharmacy.
  5. Price the medication before you enroll.

If you are on Medicare Part D

Read the Medicare GLP-1 Bridge at Costco guide first. Eligible members may pay $50 for Foundayo, any Wegovy formulation, or the Zepbound KwikPen through December 31, 2027.


Frequently asked questions

Does Costco Health Solutions still operate as an employer PBM?

No. Primary switch notices from former clients say Costco Health Solutions stopped providing nationwide PBM services. Those plans moved on different dates and to different companies. Check your current pharmacy card or ask your benefits team who runs your drug benefit now.

Is Wegovy on the Costco Health Solutions formulary?

There is no current universal Costco Health Solutions employer formulary to check. Whether Wegovy is covered depends on the plan you have now. Search your current plan's drug list for WEGOVY, WEGOVY TAB, and WEGOVY HD separately.

Does Costco cover Wegovy?

Costco can be your pharmacy and can give eligible members a cash discount, but Costco is not your insurer. Coverage comes from your health or pharmacy plan. CMPP is a discount, not coverage.

Is Wegovy really $149 at Costco?

Costco currently publishes Wegovy tablets at $149 for 1.5 mg and 4 mg. The 4 mg price is scheduled to move to $199 after August 31, 2026. The 9 mg and 25 mg tablets are $299. Prices can vary by location, so get today's quote.

How much is the Wegovy injection at Costco?

Current published pricing is $199 for the first two eligible 0.25 mg or 0.5 mg fills through December 31, 2026, then $349. Standard 1–2.4 mg fills are $349. NovoCare lists Wegovy HD 7.2 mg at $399 through its self-pay channel; that is not a national Costco quote.

How much is Ozempic at Costco?

Current published pricing is $199 for the first two eligible 0.25 mg or 0.5 mg fills through December 31, 2026, then $349. The 1 mg price is $349 and the 2 mg price is $499. Ozempic is FDA-approved for type 2 diabetes, not weight management.

Does Costco have a Zepbound discount?

Costco has a location-based Zepbound price lookup, but we could not verify one national posted price. Enter the exact device, strength, quantity, and ZIP code, or call your local Costco pharmacy.

Can I use Costco's price together with my insurance?

No. Costco says CMPP cannot be combined with commercial insurance, Medicare Part D, Medicaid, a state plan, another discount card, or a coupon on the same fill. You choose one payment path.

Does the Costco cash price count toward my deductible?

No. Costco says dollars paid through CMPP do not count toward your prescription insurance deductible.

Do I need a Costco membership to fill a prescription there?

No. Costco says you do not need a membership to fill a prescription at Costco Pharmacy. But CMPP member pricing does require a Costco membership card.

Do I need Sesame to use Costco Pharmacy?

No. Any qualified prescriber can send a prescription to Costco. Sesame is for people who need a clinician or want ongoing virtual care.

Does Sesame's $59 include the medication?

No. The $59 monthly equivalent requires a 12-month commitment billed once per year, or $708 upfront. It covers care, not the medication. The month-to-month plan is $99 every 28 days, and medication is still separate.

Is Ro's coverage checker really free?

Yes. It checks the Ozempic pen, Wegovy pen, and Zepbound single-dose pen. It does not currently check the Wegovy tablet, Wegovy HD, Foundayo, Zepbound vial, or Zepbound KwikPen.

My new card says Navitus. What now?

Use the Navitus portal tied to your employer and search the exact drug and form. Another Navitus member's result does not answer yours. Ask your employer what pre-treatment BMI threshold the plan uses and whether a GLP-1 program exists outside the pharmacy benefit.

Why did my claim reject when the drug is on the list?

Start with the rejection code. Check the diagnosis submitted, exact device, prior authorization, quantity limit, missing records, and payment path. A brand can appear on a list while your form or claim details still fail the rule.


Still not sure which GLP-1 path is right for you? Take the free 60-second matching quiz.


Primary sources

Costco and current cash pricing

FDA approvals, labeling, and compounding

Medicare GLP-1 Bridge

Costco Health Solutions transitions

Care and coverage-check services

Update log

August 17, 2026 — first published. Verified the Costco Health Solutions PBM exit through former-client records; documented three different replacement PBMs; checked current Costco GLP-1 prices and offer dates; corrected the count and forms of FDA-approved weight-management GLP-1 brands; updated the Medicare Bridge product list; verified Navitus BMI, prior-authorization, and diagnosis-check details; and rechecked current Ro and Sesame pricing.

Next scheduled checks: Wegovy 4 mg offer—August 31, 2026. Costco, NovoCare, Lilly, Ro, and Sesame pricing—monthly. FDA approvals and labeling—monthly. CMS Bridge rules—monthly. Navitus and employer-plan documents—quarterly and during open enrollment.


Your situation changes the answer

Find My GLP-1 Path

The right GLP-1 provider isn't the same for everyone. It depends on your state, your insurance and formulary, whether you want an FDA-approved or compounded medication, your preferred route (injection or oral), and your budget. Because a general answer can't resolve those for you, use The RX Index's Find My GLP-1 Path tool to get a personalized provider match with source-verified pricing before you choose.

  • What it asks: your state, insurance situation, medication preference, budget, and support needs
  • What you get: a personalized shortlist of GLP-1 providers matched to your situation, with verified pricing and the right questions to ask
  • Cost: free · about 2 minutes · no signup
Find My GLP-1 Path