Zepbound Savings Card: What You Pay and Who Qualifies
The Zepbound savings card can drop the cost to as little as $25 for a 1- to 3-month fill of the single-dose pen if your commercial insurance covers it, with savings capped at $1,300 per year. A separate KwikPen self-pay card offers cash prices from $299 a month.
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The Zepbound savings card is a manufacturer coupon from Eli Lilly that reduces what you pay at the pharmacy. If you have commercial drug insurance that covers the Zepbound single-dose pen and you have an on-label prescription, the card can bring your cost down to as little as $25 for a 1-month, 2-month, or 3-month fill [2]. The card does not pay your whole bill: savings are capped at $100 per 1-month fill and $1,300 per calendar year, and you pay anything above those caps [2]. If your copay is $150 on a 1-month fill, the card’s $100 monthly maximum is what leaves $50 for you to pay [2].
There are actually two Lilly card programs for Zepbound. The Single-Dose Pen and Single-Patient-Use KwikPen Savings Card Program is for people with commercial drug insurance [2]. The KwikPen Self-Pay Savings Card is for people paying cash, with or without insurance [2][5]. For context, the list price of Zepbound — the wholesale acquisition cost Lilly charges wholesalers — runs from $499 to $1,086.37 per fill [4].
Who is eligible for the Zepbound savings card?
For the commercial card, eligibility requires a prescription for Zepbound for an approved use consistent with FDA-approved labeling, along with enrollment in a commercial drug insurance plan [2]. For the single-dose pen, the plan needs to cover the single-dose pen; for the KwikPen, the plan needs to be one that does not cover the KwikPen [2]. Eligibility also requires residency in the United States or Puerto Rico and being 18 years of age or older [2].
The card is not available to people enrolled in any state, federal, or government funded healthcare program, including Medicaid, Medicare, Medicare Part D, Medicare Advantage, Medigap, DoD, VA, TRICARE/CHAMPUS, or any state prescription drug assistance program [2]. If your plan participates in an alternate funding program that requires you to apply to the savings card as a condition of coverage, you are ineligible [2]. Lilly can terminate, rescind, revoke, or amend the card’s eligibility criteria and terms at any time, without notice, for any reason [2].
How does the $25 a month tier work?
The $25 tier applies to the Zepbound single-dose pen when your commercial plan covers it [2]. With the card, you pay as little as $25 for a 1-month, 2-month, or 3-month prescription fill [2]. A month is defined as 28 days and up to 4 single-dose pens; 2 months is 56 days and up to 8 pens; 3 months is 84 days and up to 12 pens [2]. The $25 tier is offered for all pen doses from 2.5 mg through 15 mg [6].
Zepbound purchases are HSA/FSA eligible, though eligibility may vary by plan, so check with your benefits administrator [1]. On the coverage side, commercial CVS Caremark coverage for Zepbound expands October 1, with some employers reinstating earlier [3].
What are the monthly and annual caps on the card?
The card’s savings are limited in two ways. Per fill, the maximum savings are $100 for a 1-month prescription, $200 for a 2-month prescription, or $300 for a 3-month prescription [2]. Separately, there is a maximum annual savings of $1,300 per calendar year [2]. The card can be used for up to 13 prescription fills per calendar year [2].
You are responsible for any amount above the monthly or annual maximum. For example, if your copay is $150 on a 1-month fill, the card covers $100 and you pay $50 [2]. The card expires and savings end on 12/31/2026 [2].
What if my commercial plan does not cover Zepbound?
If your commercial insurance does not cover the single-dose pen, the card brings the price to as low as $499 for a 1-month fill, with maximum monthly savings equal to the wholesale acquisition cost minus $499, and up to 13 fills per calendar year [2].
For the KwikPen with a commercial plan that does not cover the KwikPen, the card tiers are as low as $299 for the 2.5 mg dose, $399 for the 5 mg dose, and $449 for the 7.5 mg to 15 mg doses [2]. The $299 per month price is for the Zepbound KwikPen or vial, not the single-dose pen [1].
| Your situation | Device | Card price | Max savings per fill |
|---|---|---|---|
| Commercial plan covers the pen | Single-dose pen | As little as $25 (1-, 2-, or 3-month fill) | $100 / $200 / $300 [2] |
| Commercial plan does not cover the pen | Single-dose pen | As low as $499 per 1-month fill | WAC minus $499 [2] |
| Commercial plan does not cover KwikPen | KwikPen | As low as $299–$449 by dose | $65–$271 by dose [2] |
What are the KwikPen self-pay card terms?
On March 16, 2026, Lilly announced that self-pay pricing on the Zepbound KwikPen would be available at LillyDirect and major pharmacies nationwide, starting at $299 per month for the 2.5 mg dose [5]. The KwikPen Self-Pay Savings Card is available to all patients, including those without insurance coverage, and adults with a valid, on-label prescription can use it to access the same self-pay prices offered through LillyDirect [5]. The card applies only to the KwikPen — it does not apply to single-dose vials or the single-dose pen [5].
| KwikPen dose | Self-pay price | Max monthly savings |
|---|---|---|
| 2.5 mg | As low as $299 | Up to $215 [3] |
| 5 mg | As low as $399 | Up to $115 [3] |
| 7.5 mg | As low as $449 | Up to $65 [3] |
| 10 mg, 12.5 mg, 15 mg | As low as $449 | Up to $271 [3] |
A month is defined as 28 days and 1 single-patient-use KwikPen, which contains 4 doses [3]. The card can be used for a maximum of 11 prescription fills per calendar year, and it expires with savings ending on 12/31/2026 [3]. This card is cash only: cardholders agree not to seek reimbursement for their out-of-pocket costs from any insurer or state or federal program, and the costs do not count toward any deductible or true out-of-pocket requirement [2][3].
How does LillyDirect self-pay pricing work for the vial and KwikPen?
Through LillyDirect, the self-pay prices are $299 for the 2.5 mg dose, $399 for the 5 mg dose, and $449 for the 7.5 mg to 15 mg doses of the vial or KwikPen, with the higher doses tied to a 45-day refill rule [6]. Savings are applied automatically through LillyDirect; if you fill through another pharmacy, you may need a Lilly savings program depending on your insurance type [6].
The single-dose vial is available exclusively through LillyDirect and is self-pay only; a monthly prescription is 4 vials, with free home delivery or free retail pickup at Walmart Pharmacy [6]. The KwikPen requires pen needles, and the vial requires needles and syringes, all sold separately [6].
What is the 45-day refill rule?
The Zepbound Self Pay Journey Program sets the price at $449 for each 1-month supply of the 7.5 mg, 10 mg, 12.5 mg, or 15 mg single-dose vial or KwikPen [3]. The $449 purchase offer is applied automatically on the first purchase of one of those doses beginning February 23, 2026 [3].
The $449 price continues only when each refill purchase is completed within 45 days of the delivery or receipt date of the previous fill [3]. If a refill happens more than 45 days later, the offer does not apply, and the regular prices take over: $499 for the 7.5 mg dose and $699 for the 10 mg, 12.5 mg, and 15 mg doses [3][6].
If you filled within the required 45 days but Lilly could not verify that at the point of sale, a post-transaction reimbursement claim can be submitted through the program’s online portal or by mail [3]. Claims must be submitted or postmarked no later than March 31, 2027, and a copy of the claim form is available by calling 1-866-923-1953 [3].
What options exist for people with Medicare?
People with Medicare cannot use the commercial savings card [2]. On Lilly’s savings page, the Medicare and other government tabs show self-pay pricing on the KwikPen or single-dose vial starting at $299 [1].
Separately, the Medicare GLP-1 Bridge program starts July 1, 2026, and may cover Zepbound KwikPen only — not the single-dose pen or vial — for eligible Part D patients at no more than $50 per month [9][10]. Eligibility requires being 18 or older with Medicare Part D drug coverage, and meeting one of these when starting GLP-1 therapy: a BMI of 35 or higher; a BMI of 30 or higher with diastolic heart failure (HFpEF), uncontrolled high blood pressure, or chronic kidney disease at stage 3a or higher; or a BMI of 27 or higher with prediabetes, a previous heart attack or stroke, or symptomatic peripheral artery disease [10].
The Bridge is not for people with type 2 diabetes, moderate-to-severe sleep apnea, or fatty liver disease, or whose GLP-1 is already covered by their Part D plan [10]. Once approved, the prior authorization is valid, including for refills and dose changes, through December 31, 2027, unless you change GLP-1s [10].
How does the Mounjaro savings card compare?
Mounjaro, which is also tirzepatide, has its own savings card with different caps. For commercially insured patients with coverage, the Mounjaro card offers payments as little as $25 for a 1-, 2-, or 3-month fill, with maximum savings of $150, $300, or $450 per fill, an annual maximum of $1,950, and up to 13 fills per calendar year [11]. For commercially insured patients without Mounjaro coverage, the price is as low as $499 per 1-month fill, with maximum monthly savings of $647 and an annual maximum of $8,411 [11].
The Mounjaro card applies to the Mounjaro single-dose pen only, excludes government beneficiaries, and expires with savings ending on 12/31/2026 [11].
| Card tier | Zepbound | Mounjaro |
|---|---|---|
| Covered, max savings per fill | $100 / $200 / $300 [2] | $150 / $300 / $450 [11] |
| Covered, annual max savings | $1,300 [2] | $1,950 [11] |
| Not covered, 1-month price | As low as $499 [2] | As low as $499 [11] |
| Not covered, max monthly savings | WAC minus $499 [2] | $647 [11] |
| Not covered, annual max savings | — | $8,411 [11] |
What does the Lilly Cares program cover?
Lilly’s charity, the Lilly Cares Foundation, provides certain Lilly medicines at no cost to qualifying patients based on income [12]. The medicines named on the Lilly Cares application’s medication list, across Groups 1 through 4, include drugs such as Trulicity, Basaglar, and Humalog [12]. Lilly Cares excludes patients enrolled in Medicaid, full Low-Income Subsidy (“Extra Help”), or VA benefits [8][12].
What does TrumpRx show for Zepbound?
TrumpRx.gov lists Zepbound Vial with up to 72% off, showing an original price of $1,087.00 and savings of $788.00 [13]. Eli Lilly manages all Zepbound vial orders through LillyDirect, and drugs are not sold directly by TrumpRx [13][10]. Medicare notes that TrumpRx and other discount cards are not considered creditable coverage, and spending through them does not count toward your Medicare deductible or out-of-pocket maximum [10].
Questions about which device or dose makes sense belong with your prescriber; the prices above describe card tiers only.
Sources
- Eli Lilly and Company. Savings & Insurance Options | Zepbound (tirzepatide).
- Eli Lilly and Company. Zepbound (tirzepatide) full terms and conditions.
- Eli Lilly and Company. Coverage, Affordability, and Savings | Zepbound (tirzepatide).
- Eli Lilly and Company. Zepbound cost information: with or without insurance.
- Eli Lilly and Company. Media Statement: Zepbound (tirzepatide) KwikPen now available at self-pay pricing at major pharmacies nationwide in addition to LillyDirect. March 16, 2026.
- Eli Lilly and Company. Authentic Zepbound (tirzepatide) shipped to you | LillyDirect.
- Eli Lilly and Company. Coverage, Affordability, and Savings | Zepbound (tirzepatide).
- Lilly Cares Foundation. Additional Terms and Conditions Related to Insurance for Eligibility in the Lilly Cares Foundation Patient Assistance Program.
- Eli Lilly and Company. Medicare Part D Coverage | Zepbound (tirzepatide).
- Medicare.gov. Weight loss drugs.
- Eli Lilly and Company. Savings & Coverage | Mounjaro (tirzepatide).
- Lilly Cares Foundation. Patient Assistance Program Application.
- TrumpRx. Zepbound Vial on TrumpRx.
Frequently asked questions
Can I use the Zepbound savings card with Medicare or Medicaid?
No. The commercial card excludes people enrolled in Medicaid, Medicare, Medicare Part D, Medicare Advantage, Medigap, DoD, VA, TRICARE/CHAMPUS, or state drug assistance programs. People with Medicare can instead use self-pay pricing on the KwikPen or vial starting at $299, or check the Medicare GLP-1 Bridge, which starts July 1, 2026 and caps Zepbound KwikPen at $50 per month for eligible Part D patients.
Does the $25 card work for the vial or KwikPen?
No. The as-little-as-$25 tier applies only to the Zepbound single-dose pen when a commercial plan covers it. The KwikPen has separate card tiers of as low as $299, $399, or $449 depending on dose, and the single-dose vial is available only through LillyDirect self-pay.
Why is my copay more than $25 with the card?
The card's savings are capped at $100 per 1-month fill, $200 per 2-month fill, or $300 per 3-month fill, plus $1,300 per calendar year. You owe anything above those caps — for example, a $150 copay on a 1-month fill leaves you paying $50 after the $100 maximum. You may also have hit the annual cap or a plan restriction.
When does the Zepbound savings card expire?
The card expires and savings end on 12/31/2026. That expiration date applies to the commercial card for the single-dose pen and KwikPen as well as the KwikPen Self-Pay Savings Card. Lilly can also terminate, rescind, revoke, or amend the card's terms at any time without notice.
Does self-pay spending count toward my insurance deductible?
No. The KwikPen Self-Pay Savings Card is for cash patients and operates outside any health insurance program; cardholders agree not to apply those costs toward any deductible or true out-of-pocket requirement. Medicare also notes that TrumpRx and other discount cards are not creditable coverage and do not count toward your deductible or out-of-pocket maximum.
What happens if I refill after 45 days?
The $449 Self Pay Journey price for the 7.5 mg to 15 mg vial or KwikPen applies only when the refill purchase is completed within 45 days of receiving the previous fill. If a refill happens later, the regular prices apply: $499 for the 7.5 mg dose and $699 for the 10 mg, 12.5 mg, and 15 mg doses.
Can I pay with an HSA or FSA?
Zepbound purchases are listed as HSA/FSA eligible, but eligibility may vary by plan, so check with your benefits administrator to confirm. The KwikPen Self-Pay Savings Card is cash only: cardholders agree not to seek reimbursement for their out-of-pocket costs from insurers or healthcare reimbursement accounts, and the costs do not count toward any deductible or true out-of-pocket requirement.
What does the Lilly Cares program cover?
Lilly's charity, the Lilly Cares Foundation, provides certain Lilly medicines at no cost to qualifying patients based on income. The medicines named on its application's medication list, across Groups 1 through 4, include drugs such as Trulicity, Basaglar, and Humalog. Lilly Cares excludes patients enrolled in Medicaid, full Extra Help, or VA benefits.
This article summarizes FDA labeling, published research and company information current as of September 14, 2026. It is not medical advice and does not replace a conversation with your own healthcare provider. How we research and verify.