Does insurance cover compounded GLP-1s?

Almost never. Insurance formularies cover FDA-approved products — Zepbound, Wegovy, Mounjaro, Ozempic — and compounded tirzepatide or semaglutide, being non-approved, sits outside essentially every plan’s coverage. The practical sequence: check brand coverage first (commercial savings cards reach ~$25-class copays for covered patients — beating every cash price on this site), appeal denials with documentation (comorbidities flip more prior-auths than assumed), and treat the compounded cash lane — the audited $119–$139 floors — as the fallback that makes therapy possible when coverage says no. HSA/FSA funds generally do apply to compounded therapy with a prescription, which is the one insurance-adjacent break the cash lane gets.