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September 2026

Does Medicare Cover Zepbound? The Sleep Apnea Indication and Part D

Medicare's weight-loss exclusion, the December 2024 sleep apnea approval that a Part D plan might cover, and the 2026 GLP-1 Bridge for the Zepbound KwikPen.

ByJenna PrattConsumer-access reporterPublished

Yes, in two ways, and which one applies depends on why Zepbound is prescribed. For moderate to severe obstructive sleep apnea, a Part D plan might cover it[5]. For weight management, Medicare’s temporary GLP-1 Bridge covers the KwikPen at $50 a month for people who qualify[6].

Zepbound is a brand of tirzepatide. Its cash price outside Medicare, dose by dose, is set out in a separate guide. That guide is Zepbound price.

Why weight loss alone was never covered

Part D defines what counts as a covered drug, and it carries over a list of exclusions from the Medicaid statute[1]. That list includes “agents when used for anorexia, weight loss, or weight gain”[2].

The words “when used for” do the work. The exclusion attaches to the use, not to the molecule, which is why a new approved use can change the answer for the same drug. Wegovy shows the same rule from another side: its heart-risk indication is a use other than weight loss, covered in does Medicare cover Wegovy.

The sleep apnea indication

Lilly submitted the sleep apnea supplement on June 21, 2024[3]. FDA approved it on December 20, 2024, adding treatment of moderate to severe obstructive sleep apnea in adults with obesity[3]. The current label carries both indications[4].

The approval rests on two 52-week phase 3 trials in adults with moderate to severe sleep apnea and obesity[7]. Participants took the maximum tolerated dose, 10 mg or 15 mg, or placebo[7]. The trials were funded by Lilly[7].

Change in apnea-hypopnea index (events per hour) at week 52, SURMOUNT-OSA
TrialTirzepatidePlaceboDifference
1 (not on PAP)−25.3−5.3−20.0
2 (on PAP)−29.3−5.5−23.8
Change in apnea-hypopnea index (events per hour) at week 52, SURMOUNT-OSA. Malhotra et al., N Engl J Med, 2024

Mean baseline severity was 51.5 events per hour in trial 1 and 49.5 in trial 2[7]. For sleep apnea, the label’s maintenance dose is 10 mg or 15 mg weekly[4].

Route one: your Part D plan

Medicare’s own page is direct about this group. People with moderate to severe sleep apnea are not eligible for the Bridge, because their Medicare drug plan “should cover GLP-1 medications to treat these conditions”[5].

That is not a promise that your plan lists Zepbound or that it will pay without conditions. Ask the plan three things: whether Zepbound is on the formulary, whether prior authorization is required, and what the copay tier is.

Route two: the Medicare GLP-1 Bridge

The Bridge started on July 1, 2026 and covers the Zepbound KwikPen only[6]. The single-dose pen and the vials are not covered[6]. The cost is $50 for a one-month supply, regardless of income[6].

The fact sheet lists three products in all: Foundayo (tablet); Wegovy (injection or tablet); Zepbound (KwikPen only)[6]. Foundayo is orforglipron, a daily tablet; its self-pay prices are on the orforglipron price board.

To qualify, you need Part D coverage and must not already get a GLP-1 through your plan[6]. You must not have type 2 diabetes, moderate to severe sleep apnea or fatty liver disease[6]. You must be at least 18 and meet a body mass index test[6].

  • A BMI of 35 or higher.
  • A BMI of 30 or higher with certain heart failure, hard-to-control high blood pressure, or stage 3a or later kidney disease.
  • A BMI of 27 or higher with prediabetes, a past heart attack or stroke, or blocked arteries in the legs or arms.

Those criteria are from the CMS fact sheet[6]. Your doctor submits a prior authorization after the pharmacy confirms eligibility[6]. Medicare’s page says that approval covers refills and dose changes through December 31, 2027[5].

What Medicare patients cannot use

Lilly’s Zepbound savings card excludes government plans, Medicare included. Its terms are covered in Zepbound savings card.

Coverage rules outside Medicare are in the insurance guide, and the tax-account angle is in the HSA guide.

FAQ

4 questions

Does Medicare cover Zepbound for sleep apnea?

It might, through your Part D plan. Medicare's page says people with moderate to severe sleep apnea are not eligible for the GLP-1 Bridge because their Medicare drug plan should cover GLP-1 medications for that condition. Check your plan's formulary and prior authorization rules.

Does Medicare cover Zepbound for weight loss?

From July 1, 2026, the temporary Medicare GLP-1 Bridge covers the Zepbound KwikPen for weight management at a flat monthly copay for people who meet its criteria. The single-dose pen and vials are not covered.

Can I use the Zepbound savings card with Medicare?

No. Lilly's Zepbound savings card excludes government plans, Medicare included.

Does the Bridge copay count toward my Part D out-of-pocket limit?

No. CMS says the Bridge payment does not count toward the Part D deductible or yearly out-of-pocket limit, and it cannot be spread out under the Medicare Prescription Payment Plan.

Sources

7 cited
  1. [1]United States Code (2024). 42 U.S.C. 1395w-102(e), Covered part D drug defined Office of the Law Revision Counsel. Source
  2. [2]United States Code (2024). 42 U.S.C. 1396r-8(d)(2), Drugs subject to restriction Office of the Law Revision Counsel. Source
  3. [3]U.S. Food and Drug Administration (2024). Supplement approval letter, NDA 217806/S-013: Zepbound for moderate to severe obstructive sleep apnea in adults with obesity Drugs@FDA. Source
  4. [4]Eli Lilly and Company (2026). ZEPBOUND (tirzepatide) injection, for subcutaneous use: Prescribing Information (revised 02/2026) Drugs@FDA, NDA 217806. Source
  5. [5]Centers for Medicare & Medicaid Services (2026). Weight loss drugs: Medicare GLP-1 Bridge coverage Medicare.gov. Source
  6. [6]Centers for Medicare & Medicaid Services (2026). Medicare GLP-1 Bridge: GLP-1 Drugs for $50 a Month (CMS Product No. 12234) Medicare.gov. Source
  7. [7]Malhotra A, Grunstein RR, Fietze I, et al. (2024). Tirzepatide for the Treatment of Obstructive Sleep Apnea and Obesity New England Journal of Medicine. PMID 38912654

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