Employer / Commercial Insurance
Covered with requirementsWhat you need to qualify
- BMI of 30 or higher
- Diagnosed obstructive sleep apnea (AHI of 15 or higher)
Qualification pathways
You can qualify through any one of these.
OSA with obesity
All of:
- Diagnosis of obstructive sleep apnea (OSA) confirmed by medical records
- Patient has had a polysomnography (PSG) or home sleep apnea test
- AHI >= 15 events/hour from baseline (prior to initiation of pharmacotherapy)
- Requested agent is Zepbound
- Pretreatment BMI >= 30 kg/m2
- Patient does NOT have any FDA labeled contraindications
Documentation to bring
- Medical records confirming diagnosis of obstructive sleep apnea (OSA)
- Polysomnography (PSG) or home sleep apnea test results
- Documentation of AHI >= 15 events/hour from baseline (prior to initiation of pharmacotherapy)
- Baseline BMI documentation (>= 30 kg/m2)
- For renewal: documentation of clinical benefit (e.g., reduction in AHI, decrease in Epworth Sleepiness Scale)
Quantity limits
- 2.5 MG/0.5ML vial — 2 mL per 180-day supply (84-day)
- 5 MG/0.5ML vial — 2 mL per 28-day supply
- 7.5 MG/0.5ML vial, 10 MG/0.5ML vial, 12.5 MG/0.5ML vial, 15 MG/0.5ML vial — 4 vials per 28-day supply
- 2.5 MG/0.5ML autoinjector — 4 pens per 180-day supply (84-day)
- 5 MG/0.5ML autoinjector, 7.5 MG/0.5ML autoinjector, 10 MG/0.5ML autoinjector, 12.5 MG/0.5ML autoinjector, 15 MG/0.5ML autoinjector — 4 pens per 28-day supply
- 2.5 MG/0.6ML kwikpen — 1 pen per 180-day supply (84-day)
- 5 MG/0.6ML kwikpen, 7.5 MG/0.6ML kwikpen, 10 MG/0.6ML kwikpen, 12.5 MG/0.6ML kwikpen, 15 MG/0.6ML kwikpen — 1 pen per 28-day supply
Approval and renewal
- Initial approval: 12 months
- Renewal: every 12 months
- To renew, the plan looks for At renewal for OSA indication: patient must have had clinical benefit with Zepbound (e.g., reduction in AHI, decrease in Epworth Sleepiness Scale). Initial AHI >= 15 and BMI >= 30 requirements are not explicitly re-verified at renewal.
Not covered when
- AHI < 15 events/hour
- Any FDA labeled contraindications to the requested agent
Exceptions
- BCBS_NM_Fully_Insured_or_HIM: May be approved if patient does not have FDA labeled contraindications AND the requested indication is a rare disease AND patient has another FDA labeled indication or compendia-supported indication.
- Ohio_Fully_Insured_or_HIM_SHOP: May be approved if member resides in Ohio, plan is Fully Insured or HIM Shop (SG), no FDA labeled contraindications, AND patient has another FDA labeled or compendia-supported indication OR prescriber submits two articles from major peer-reviewed journals.
Policy note: No PAP/CPAP trial requirement stated. AHI must be >= 15 events/hour from baseline prior to initiation of pharmacotherapy. OSA diagnosis requires medical records. Renewal requires clinical benefit demonstrated (examples: reduction in AHI, decrease in Epworth Sleepiness Scale). Policy applies to all Zepbound formulations (vial, autoinjector, kwikpen).
Policy effective May 18, 2026 · verified June 2, 2026 · source: HCSC_Weight_Management_ProgSum.pdf