Mounjaro Savings Card: How to Save in 2026
The Mounjaro Savings Card is a manufacturer coupon program that can significantly reduce your out-of-pocket costs for this popular tirzepatide injection. Learn how to qualify, activate, and maximize your savings.
What is the Mounjaro Savings Card?
The Mounjaro Savings Card is an official coupon program administered by Eli Lilly, the manufacturer of Mounjaro (tirzepatide). This program is designed to help eligible patients with commercial insurance coverage reduce their copay amounts when filling prescriptions at participating pharmacies. It's one of several financial assistance programs Lilly offers to improve medication access and affordability.
Unlike rebate programs that work retroactively, the Mounjaro Savings Card provides immediate reductions at the pharmacy counter. This means you benefit from the savings right away when you pick up your prescription, rather than waiting for reimbursement later.
How Much Can You Save?
The amount you save with the Mounjaro Savings Card depends on your individual insurance plan and your current copay obligation. Many patients using the card report copay amounts as low as $25 per injection, though some may experience different savings levels based on their plan's structure.
It's important to understand that the savings card is not meant to cover the entire cost of Mounjaro. Instead, it works as a supplement to your insurance coverage, helping bridge the gap between your copay and what the medication typically costs. The card has an annual maximum benefit that you should review in the program terms.
To get an estimate of your potential savings, you can use the savings calculator on Lilly's website or contact their patient support team with details about your insurance plan. This will give you a more accurate picture of your personal out-of-pocket costs.
Eligibility Requirements
To be eligible for the Mounjaro Savings Card, you must meet several key criteria:
- Be a resident of the United States
- Have a valid prescription for Mounjaro from a licensed healthcare provider
- Have active commercial insurance coverage
- Not be covered by any government insurance program (Medicare, Medicaid, TRICARE, etc.)
- Meet income requirements or other program-specific criteria set by Lilly
The most important limitation to understand is that the card cannot be used if you have Medicare coverage, including Medicare Advantage plans. This is a federal restriction on manufacturer coupons for government-insured patients. If you're on Medicare, you'll need to explore other cost-reduction strategies.
Additionally, some insurance plans may have exclusions or restrictions. It's worth checking with your insurance provider directly to confirm compatibility before activating your card.
How to Activate Your Mounjaro Savings Card
Activating your Mounjaro Savings Card is straightforward and can be done through several channels:
Online Activation
Visit Eli Lilly's official Mounjaro patient website and look for the savings card program section. You'll provide your name, contact information, and other required details. Activation is typically immediate, and you can download or print your card right away.
Phone Activation
Call Lilly's patient support line to have a representative activate the card for you over the phone. They can also answer specific questions about your eligibility and potential savings. The phone line is available during business hours.
Provider-Assisted Activation
Your healthcare provider may have pre-activated cards available in their office. Ask your doctor or nurse during your visit if they can provide you with an activated card directly. This can save you a few steps in the activation process.
Once activated, you'll receive a card number (either physical or digital) that you present to the pharmacy when filling your Mounjaro prescription. The pharmacy's system will process the coupon automatically at checkout.
Using Your Card at the Pharmacy
When you have your Mounjaro prescription filled, present your savings card to the pharmacy staff along with your insurance card. Tell the pharmacist you have a manufacturer coupon for Mounjaro. They'll process both your insurance and the savings card through their system.
The pharmacy will bill your insurance first, then apply the savings card benefit to reduce your remaining copay. You'll pay the lower amount at the counter. If there's any issue with the card processing, the pharmacy staff can contact Lilly's support team to troubleshoot.
Always keep your savings card information handy for future refills. If you have a digital version, you may be able to use it directly from your phone by showing the barcode to the pharmacist.
Medicare and Government Insurance Restrictions
The Mounjaro Savings Card cannot be used by patients with Medicare, Medicaid, TRICARE, or other government-sponsored insurance programs. This is due to federal regulations that prohibit manufacturer coupons from being used to reduce cost-sharing for government-insured patients.
If you're covered by Medicare, consider exploring these alternatives:
- Check if your Medicare Advantage plan offers any special coverage or cost-sharing programs for Mounjaro
- Ask your healthcare provider about Lilly's patient assistance program, which may help with costs for eligible patients
- Look into whether your state's Medicaid program covers tirzepatide
- Consult with your doctor about generic or alternative medications that might be covered under your plan
Contact Lilly's patient support team directly if you're on Medicare and looking for financial assistance options. They can guide you through other programs that might be available to you.
Understanding Your Copay Amounts
Copay amounts vary significantly based on your specific insurance plan. Your insurance plan's drug formulary will determine how Mounjaro is classified—typically as a specialty drug, which usually means higher copays than routine prescriptions.
Common copay structures include:
- Flat copay (a fixed dollar amount, like $50 per injection)
- Coinsurance (a percentage of the medication's cost, like 20%)
- Tiered copay (different amounts based on whether it's a preferred or non-preferred drug)
The Mounjaro Savings Card reduces your copay toward a certain limit—often around $25 per injection, though this varies. If your copay is higher than the card's benefit limit, you'll pay the difference out of pocket.
Review your insurance plan's summary of benefits and coverage (SBC) or contact your insurance company directly to understand your specific copay for Mounjaro before using the savings card.
Commercial Insurance Considerations
The Mounjaro Savings Card works best with commercial insurance plans because these plans typically allow manufacturer coupons. If you have commercial insurance through your employer, a spouse's employer, or through the individual marketplace, you're likely eligible.
Some insurance plans may:
- Require prior authorization before approving Mounjaro coverage
- Impose a step therapy requirement (trying other medications first)
- Limit the number of refills per year
- Exclude Mounjaro entirely from coverage
If your insurance denies coverage, the savings card may still help reduce your out-of-pocket costs, but you'd pay a significantly higher amount than with insurance. Work with your healthcare provider to appeal insurance denials or request exceptions if medically necessary.
Related Cost-Saving Programs and Resources
The Mounjaro Savings Card is just one tool in your affordability toolbox. Explore these related programs and resources:
Learn more about Mounjaro pricing and cost factors to understand the full picture of what you might pay.
Discover other coupon and discount programs that might work alongside or instead of the savings card.
Understand how insurance covers GLP-1 medications including tirzepatide and how to navigate insurance approvals.
Learn about prior authorization requirements which may impact your ability to use the savings card.
Frequently Asked Questions
Frequently Asked Questions
The Mounjaro Savings Card is a manufacturer coupon program offered by Eli Lilly that helps eligible patients reduce their copay costs when filling prescriptions at participating pharmacies. It's designed to make the medication more affordable for those with commercial insurance coverage.
Savings vary based on your insurance plan and copay amount. Many patients report copays as low as $25 per injection, though the card doesn't cover the full cost of the medication—it's meant to reduce your out-of-pocket expenses.
You're generally eligible if you have commercial insurance coverage and a valid prescription for Mounjaro. However, the card cannot be used with government insurance programs like Medicare or Medicaid. Specific eligibility requirements are listed on the official program terms.
You can activate your card online through Lilly's website, by calling their patient support line, or in some cases, your healthcare provider may provide an activated card directly. Activation typically takes just a few minutes.
No, the Mounjaro Savings Card cannot be used with Medicare or other government insurance programs. If you're on Medicare, explore other cost-reduction options or discuss with your healthcare provider about alternative coverage solutions.
The card works at most major chain pharmacies and many independent pharmacies. It's best to check with your specific pharmacy before filling your prescription to confirm they accept the program.
Even if your insurance initially denies coverage, the Mounjaro Savings Card may help reduce your out-of-pocket costs. Contact Lilly's patient support team to discuss your specific situation and available assistance programs.
Yes, if your copay exceeds the card's coverage limit, you'd be responsible for the difference. The card provides a maximum benefit, not unlimited coverage.
Taking Action: Your Next Steps
Ready to apply for the Mounjaro Savings Card? Here's what to do:
- Check your eligibility by reviewing the program requirements above
- Visit Eli Lilly's official Mounjaro patient website to activate your card online or call their patient support line
- Have your prescription ready and filled at a participating pharmacy
- Present your savings card and insurance card when picking up your medication
- Monitor your savings and keep track of the card's annual maximum benefit
If you encounter issues with activation or have questions about your eligibility, don't hesitate to reach out to Lilly's patient support team. They're available to help you navigate the process and find the most cost-effective solution for your Mounjaro prescription.
Remember that while the savings card is a valuable resource, it's just one piece of managing your medication costs. Work with your healthcare provider to ensure Mounjaro is the right choice for your needs and that you're using all available resources to afford your treatment.