At list price, a single monthly supply of Mounjaro runs roughly $1,080 before insurance, a number most patients cannot absorb out of pocket. The Mounjaro Savings Card is Eli Lilly’s manufacturer copay program, and for commercially insured patients with a qualifying type 2 diabetes diagnosis it can reduce the cash outlay to as little as $25 for a 1-month, 2-month, or 3-month prescription fill. Understanding how the card actually works, who qualifies, and where it falls short can save you hundreds of dollars per refill. This article is general information, not medical or financial advice, and this site is not affiliated with Eli Lilly. For broader context on drug pricing, see our healthcare costs guide.
What the Mounjaro Savings Card Is
Mounjaro (tirzepatide) is FDA-approved for adults with type 2 diabetes as an adjunct to diet and exercise to improve blood sugar control. Because of its high wholesale acquisition cost, Eli Lilly offers the savings card as a copay assistance program administered through its patient support hub. The card is not insurance, and it is not a permanent discount — it is a manufacturer subsidy that Lilly applies at the pharmacy counter to offset what your commercial plan leaves you owing, subject to terms Lilly can change at any time.
The FDA approval for Mounjaro is limited to type 2 diabetes, and Lilly’s copay program mirrors that label. If you are using tirzepatide for weight loss, the equivalent product is Zepbound, which has its own separate savings program. The savings card should always be used under the direction of your prescriber. See our tirzepatide cost breakdown for more.
How Much You Save With the Card
For commercially insured patients whose plan covers Mounjaro, the savings card caps your out-of-pocket cost at as little as $25 for a 1-month, 2-month, or 3-month prescription. Lilly currently lists a maximum annual savings benefit of up to about $1,950 per calendar year for these patients, and the card may be used for a maximum of roughly 13 prescription fills per calendar year. These figures are set by Lilly and change periodically, so confirm the current numbers on the official terms before you rely on them.
If your commercial plan does not cover Mounjaro — for example, your plan excludes GLP-1 drugs, or you do not have qualifying commercial coverage — the card offers a smaller, capped benefit. As of this writing, Lilly’s terms list savings of up to about $647 per month for patients without commercial coverage, with a higher separate annual maximum (Lilly lists figures in the several-thousand-dollar range). In practice that still leaves a substantial monthly cost, so for many uninsured or excluded patients the gap remains hard to absorb. Our guide on Mounjaro price in 2026 walks through the math, and all of these numbers should be verified against Lilly’s current page and your own pharmacy’s cash price.
Who Qualifies for the Mounjaro Savings Card
Eligibility rules are strict and often surprise patients. To qualify, you generally must have a valid prescription for Mounjaro with a type 2 diabetes diagnosis, commercial or private insurance (the card excludes any government-funded plan), and a U.S. residential address. Residents of some states have at times faced additional restrictions under state anti-kickback or coupon rules that limit manufacturer copay assistance, so confirm eligibility for your state.
You are not eligible if you are enrolled in Medicare (including Part D and Medicare Advantage), Medicaid, TRICARE, VA benefits, Medigap, or any other state or federal health program. This is because federal anti-kickback law prohibits drug manufacturers from giving cost-sharing assistance to beneficiaries of federal healthcare programs, as the HHS Office of Inspector General has repeatedly clarified.
How to Get the Mounjaro Savings Card
The enrollment process typically takes only a few minutes. Visit Lilly’s official Mounjaro savings page, complete the eligibility attestation by confirming you have commercial insurance and a valid prescription, and you will receive a savings card ID, group number, BIN, and PCN that function like a secondary insurance card. Use only the official Lilly site to avoid third-party look-alike pages.
Present the card at the pharmacy when you pick up your prescription. The pharmacist runs your primary insurance first, then processes the savings card as a secondary claim, and the discount is applied to your final cash price. Many large chains, including CVS, Walgreens, and Walmart, can process the card once it is on file. If your pharmacy reports the card is not working, ask them to rerun the claim with the current BIN and PCN from Lilly’s site, since those values are occasionally updated.
What to Do If You Don’t Qualify
If you are on Medicare, Medicaid, or uninsured, Lilly offers separate pathways. The Lilly Cares Patient Assistance Program provides Mounjaro at no cost to uninsured patients who meet income limits (historically set at or below a multiple of the federal poverty level; verify the current threshold). You can apply through the Lilly Cares website with proof of income and a prescriber signature.
For people without a diabetes diagnosis using tirzepatide for weight loss, the Zepbound Savings Card and LillyDirect self-pay options are the appropriate paths. LillyDirect has offered single-dose Zepbound vials at a discounted cash price for eligible weight-loss patients — a program the company expanded through 2025 and 2026; current pricing and availability change, so check directly. See also the cheapest way to get Zepbound without insurance.
A Note on Compounded Tirzepatide
During the earlier tirzepatide shortage, some patients obtained lower-cost compounded versions. In 2025, after the FDA determined the tirzepatide shortage was resolved, compounding pharmacies were required to wind down mass-production of copies, and 503A and 503B facilities faced early-2025 deadlines to stop. As a result, widely available low-cost compounded tirzepatide is no longer the reliable option it once was, and the FDA has warned about unapproved compounded GLP-1 products. Verify the current legal and safety status before considering any compounded product, and discuss it with your prescriber.
Common Pitfalls and How to Avoid Them
Several issues trip up patients using the savings card. First, the lowest price only kicks in when your commercial plan actively covers Mounjaro. If your plan has a blanket GLP-1 exclusion, you will pay considerably more. Check your formulary before assuming you will pay $25.
Second, the annual benefit cap resets each January, but if you hit it mid-year, your out-of-pocket cost returns to your plan’s full copay. Third, the card generally cannot be combined with GoodRx or other discount programs — you have to choose one at the counter. Fourth, there is a per-year fill limit (Lilly currently lists up to about 13 fills), so plan refills accordingly. And fifth, if your pharmacy is out of your specific dose strength, switching pharmacies can sometimes resolve claim-processing errors.
Mounjaro Savings Card vs. Zepbound Savings Card
These are two separate programs for two different FDA-approved indications, even though both products contain tirzepatide. The Mounjaro card applies only to type 2 diabetes prescriptions. The Zepbound card applies only to chronic weight-management prescriptions for adults meeting BMI criteria. Pharmacies cannot transfer eligibility between the two — the diagnosis on your prescription determines which card applies.
Both cards share similar mechanics: an as-low-as $25 copay for commercial plans that cover the drug, a capped monthly benefit for commercial plans that do not cover it, strict exclusion of any government-insured patient, and terms Lilly can amend at any time.
Frequently Asked Questions
Can I use the Mounjaro Savings Card if I’m on Medicare?
No. Federal anti-kickback law prohibits drug manufacturer copay cards from being used by Medicare, Medicaid, TRICARE, or VA patients. If you are on Medicare, your alternatives are Lilly Cares (for qualifying income levels), Extra Help through Social Security, or negotiated Part D pricing.
How much does Mounjaro actually cost with the savings card?
If your commercial plan covers Mounjaro, your copay can drop to as little as $25 per fill. If your plan does not cover it, the card reduces the cash price up to a monthly maximum (Lilly currently lists up to about $647 per month), leaving you to pay the balance — which is often several hundred dollars — depending on the pharmacy’s cash price.
Does the Mounjaro Savings Card work for weight loss?
No. Mounjaro is only FDA-approved for type 2 diabetes, and the savings card matches that indication. For weight loss, Zepbound is the tirzepatide product with its own separate savings program.
Is there an annual limit on the Mounjaro Savings Card?
Yes. Lilly currently lists an annual savings cap of about $1,950 per calendar year for commercially insured patients, plus a per-year fill limit. Once you hit the cap, additional fills revert to your plan’s standard cost share until January 1. Confirm the current figures on Lilly’s site.
Can I combine the savings card with GoodRx?
No. Manufacturer copay cards and third-party discount programs like GoodRx generally cannot be stacked. You choose one at the pharmacy counter, and whichever produces the lower out-of-pocket price is the one to use for that fill.
The Bottom Line on the Mounjaro Savings Card
For a commercially insured patient with type 2 diabetes whose plan covers Mounjaro, the savings card is often the single most impactful cost-reduction tool available — potentially dropping a roughly $1,080 drug to as little as $25 per fill. For everyone else, it offers partial relief at best, and Medicare and Medicaid patients are locked out entirely. Before you fill, verify your formulary coverage, check whether prior authorization is required, review Lilly’s current card terms, and compare the savings card outcome against GoodRx cash prices and LillyDirect self-pay options to find your true lowest cost for the month. Always use the card under the direction of your prescriber.
TL;DR & disclaimer: The Mounjaro Savings Card is Eli Lilly’s copay assistance program (a discount, not insurance) for Mounjaro (tirzepatide), which is FDA-approved only for type 2 diabetes. Commercially insured patients whose plan covers it may pay as little as $25 per fill (subject to an annual cap Lilly lists around $1,950 and roughly 13 fills/year); those without commercial coverage get a smaller capped benefit; and Medicare, Medicaid, TRICARE, and VA patients are excluded by law. Dollar amounts and terms change and are set by Lilly, so verify the current terms directly and confirm your coverage. This article is general information, not medical or financial advice, and this site is not affiliated with Eli Lilly. Do not start, stop, or change any medication without your prescriber.
Sources
- Eli Lilly — official Mounjaro Savings Card terms and conditions (mounjaro.lilly.com/savings-resources): $25 with qualifying commercial coverage, up to ~$647/month without commercial coverage, ~$1,950 annual cap for insured patients, ~13 fills/year, government-plan exclusions, and “terms subject to change” language
- U.S. Food and Drug Administration (FDA) — Mounjaro (tirzepatide) approval for type 2 diabetes; statements on GLP-1 shortage resolution and compounded GLP-1 drugs
- HHS Office of Inspector General — guidance on manufacturer copay coupons and the federal anti-kickback statute
- LillyDirect and Lilly Cares — self-pay and patient-assistance program context