The Wegovy savings card is real, and the $25 is real — for some people. Novo Nordisk's offer pays at most $100 toward each month's copay, so the $25 price is reached only where a commercial plan already covers Wegovy and charges $125 or less. For everyone else the same offer is a route to Novo's self-pay prices. This page reads both halves from Novo's own published terms, works the arithmetic, and sets out the clauses most coupon pages skip.
The terms were read on Novo Nordisk's NovoCare site (the Wegovy Savings Offer terms and the savings-offer page) on 4 October 2026. Novo states that it may change or cancel the offer at any time. This page reports the terms; whether Wegovy is right for anyone is a prescriber's decision, and nothing here is advice to enrol.
The two halves of the offer
| Commercial copay offer | Self-pay offer | |
|---|---|---|
| For | Commercial insurance that covers Wegovy | No coverage, coverage that excludes Wegovy, or choosing to pay outside insurance |
| Patient pays | As little as $25 | $349 (pens 0.25–2.4 mg) · $399 (HD 7.2 mg) · $199 new-patient intro · $149–$299 (tablets) |
| Maximum the card pays | $100 per 1-month fill · $200 per 2-month · $300 per 3-month | — (a set price, not a subsidy) |
| Government insurance | Excluded | Allowed only if paid entirely outside the insurance |
| Forms | Pens and tablets | Pens and tablets |
The self-pay ladder, its history and how it compares with the list price are on what Wegovy costs, and the pharmacy that fills it on NovoCare Pharmacy. This page stays with the card's terms.
The cap arithmetic: when $25 stops being $25
The card's wording is "pay as little as $25, subject to a maximum savings of $100 per 1-month prescription". Those are two separate limits, and the second usually decides:
| Plan copay for a 1-month fill | Card pays | Patient pays |
|---|---|---|
| $50 | $25 | $25 |
| $125 | $100 | $25 |
| $200 | $100 | $100 |
| $300 | $100 | $200 |
| $500 | $100 | $400 |
| $1,000 (for example, before a deductible is met) | $100 | $900 |
glp1ledger arithmetic from Novo's published terms. Copays are illustrative; a plan's actual copay depends on its tier, coinsurance and deductible.
The crossover is $125. Below it the card fills the gap to $25; above it the card is a flat $100 discount. The deductible row matters more than it looks: early in a plan year, many plans charge the full negotiated price until the deductible is met, and the card does not change its cap for that.
Two- and three-month fills scale the cap, not the threshold. A 3-month prescription can save up to $300, so a 3-month copay of $375 or less — $125 a month — still comes to $25 per prescription. The terms do not say whether a plan must allow 3-month fills; that is the plan's rule, not Novo's.
The pen month and the tablet month are not the same length
The terms define the month by package:
| Form | One "month" | Supply | $100 cap per day of supply |
|---|---|---|---|
| Pens | 1 box of 4 single-dose pens | 28 days | $3.57 |
| Tablets | 1 bottle of 30 tablets | 30 days | $3.33 |
A year of weekly pens is about thirteen 28-day fills; a year of daily tablets is about twelve 30-day fills. At $100 a fill, the most the card can pay over a year is therefore about $1,300 for the pens and about $1,217 for the tablets — glp1ledger arithmetic, assuming the card is used at its cap every fill and nothing in the terms limits the count.
The annual limit the terms mention but do not state
Lilly's cards for Zepbound and Mounjaro publish an annual maximum and a fill count. Novo's Wegovy terms do neither — but they do refer to one. The accumulator clause says Novo may reduce or discontinue assistance, "including, but not limited to, reducing your per-claim maximum savings benefit and/or your annual maximum savings benefit." No annual figure appears anywhere in the offer details we read, and Novo's FAQ says the offer can be used "each time you fill your valid prescription while the program is available to you".
| Wegovy (Novo) | Zepbound (Lilly) | Mounjaro (Lilly) | |
|---|---|---|---|
| Monthly cap | $100 | $100 | $150 |
| $25 reached up to a copay of | $125 | $125 | $175 |
| Published yearly cap | none stated | $1,300 | $1,950 |
| Published fill limit | none stated | 13 a year | 13 a year |
| Stated end date | none — "may modify or cancel … at any time" | 31 December 2026 | 31 December 2026 |
| Covers a tablet form | yes | — | — |
Lilly's terms as read on the three Zepbound cards (2026-09-30) and the Mounjaro savings card (2026-10-02).
The clauses most summaries leave out
Accumulators and maximizers. Some insurers stop counting manufacturer-card payments toward the patient's deductible (an "accumulator") or set the copay according to how much a card will pay (a "maximizer"). The terms say that a patient whose insurer runs either kind of programme is "not eligible" and agrees not to use the offer, and that Novo will monitor usage data and may reduce or stop the savings, "with or without notice". Many patients do not know whether their plan uses one.
Government programmes. The copay offer excludes anyone enrolled in Medicaid, Medicare, VA, DOD, TRICARE or "any similar federal or state health care program" with drug coverage. The terms then carve out three groups that are not government programmes for this purpose: the Federal Employees Health Benefits programme, Affordable Care Act exchange plans and state-employee plans. Medicare beneficiaries have a separate route, the $50-a-month Medicare GLP-1 Bridge, which covers Wegovy and has its own eligibility list.
Self-paying while insured by the government. Novo's FAQ says government-insured patients may use the self-pay prices if they "self pay and process outside of their insurance". The self-pay terms then bind them not to seek reimbursement and not to count the cost toward any deductible or out-of-pocket limit.
No stacking. The copay offer "cannot be combined with any other coupon, self-pay discount, certificate, voucher, or similar offer", and "cash discount cards and other noninsurance plans are not valid as primary insurance". The one exception is a manufacturer-sponsored automatic eVoucher at participating pharmacies.
Indication and timing. The prescription must be for an FDA-approved indication on Wegovy's label; medication filled before enrolment cannot be reimbursed; the offer is one per person, US and territories only, with availability in Massachusetts "dependent upon state law" at the time of use. It is administered by ConnectiveRx for Novo Nordisk.
Who counts as a new patient. The $199 introductory price applies to the first two 28-day fills of 0.25 mg or 0.5 mg for anyone who has not redeemed a Wegovy injection offer in the previous 365 days, filled by 31 December 2026; the third fill reverts to $349.
When the card does not help
The card cannot make an uncovered prescription covered. If a plan excludes weight-management drugs, the copay offer does not apply and only the self-pay prices remain; how plans and the law draw that line is on GLP-1 insurance coverage, and what an insurer typically requires first on GLP-1 prior authorization. And because the card is capped at $100, it does least for exactly the patients with the highest copays.
Sources
Novo Nordisk, Wegovy Savings Offer terms and conditions (novocare.com, reached from wegovyterms.com) and the Wegovy savings-offer page with its FAQ (novocare.com), both read 4 October 2026 · Eli Lilly card terms as recorded on this site's Zepbound (read 2026-09-30) and Mounjaro (read 2026-10-02) savings-card pages · Medicare.gov, Weight loss drugs (Medicare GLP-1 Bridge), read 4 October 2026.