Employer / Commercial Insurance
Depends on your plan's benefitCovered under the prescription drug benefit for weight loss ONLY for Kaiser Northwest members with coverage for medications used to treat weight loss. Others pay member cash price.
What you need to qualify
- Age 18 and older
- BMI of 30 or higher
- BMI of 27 or higher with a weight-related condition (hypertension, T2DM, and hyperlipidemia)
- Prior trial of another GLP-1 medication (semaglutide (Ozempic/Wegovy)) for at least 180 days
- Prior trial of phentermine, diethylpropion, topiramate, Qsymia, and Contrave for at least 3 months
Qualification pathways
You can qualify through any one of these.
New Start - Chronic Weight Management (Adult)
All of:
- Patient has a prescription drug insurance benefit that covers medications used to lose weight
- No personal or family history of medullary thyroid carcinoma (MTC) or MEN 2
- Diagnosis for chronic weight management
- Patient is 18 years of age or older
- Patient's current weight and BMI documented within the last 30 days approximately
- Patient is currently following a diet and exercise program
- BMI >= 30 kg/m2 OR (BMI >= 27 kg/m2 AND at least one comorbidity: hypertension, diabetes, or hyperlipidemia)
- Failed adequate trial (3-month) of at least two of the listed non-GLP-1 weight loss medications/combinations OR allergy/intolerance/contraindication to ALL of them
- Failed minimum 6-month trial of semaglutide (Ozempic/Wegovy) followed by bariatric medicine chart review OR allergy/intolerance/contraindication to semaglutide
New Member Already on Medication - Chronic Weight Management/Obesity
All of:
- Patient has a prescription drug insurance benefit that covers medications used to lose weight
- Patient is using for chronic weight management/obesity
Documentation to bring
- Documentation of prescription drug benefit coverage for weight loss medications
- Documentation of no personal or family history of MTC or MEN 2
- Diagnosis documentation for chronic weight management
- Current weight and BMI documented within the last 30 days
- Documentation of current diet and exercise program participation
- BMI >= 30 kg/m2 or BMI >= 27 kg/m2 with documentation of qualifying comorbidity (hypertension, diabetes, or hyperlipidemia)
- Documentation of failed adequate trial (>=3 months each) of at least two of: phentermine, diethylpropion, topiramate, Qsymia, Contrave; OR documentation of allergy/intolerance/contraindication to ALL listed therapies
- Documentation of failed minimum 6-month trial of semaglutide (Ozempic/Wegovy) with bariatric medicine chart review supporting need to switch; OR documentation of allergy/intolerance/contraindication to semaglutide
Approval and renewal
- Initial approval: 12 months
- Renewal: every 12 months
- To renew, the plan looks for at least 5% weight loss from the starting weight and Patient must have achieved and maintained 5% or greater weight loss after starting tirzepatide (Zepbound). Updated weight and BMI must be recently documented. Initial criteria (prior therapy trials, BMI thresholds, comorbidities, rider requirement) are not re-verified at continuation. Make sure your starting weight and date are in the chart now — renewal is measured against it.
Not covered when
- Personal or family history of medullary thyroid carcinoma (MTC)
- Personal or family history of Multiple Endocrine Neoplasia syndrome type 2 (MEN 2)
- No weight loss prescription drug benefit
Policy note: Adequate trial is defined as a 3-month treatment duration. Intolerance excludes adverse drug reactions that are expected, mild in nature, resolve with continued treatment, and do not require medication discontinuation. The non-GLP-1 step therapy requirement does NOT apply to Medicare Part D patients or Washington Medicare patients (footnote **). The prior semaglutide step therapy requirement also does NOT apply to Medicare Part D patients or Washington Medicare patients. A separate pathway exists for new members entering KP already on the medication for chronic weight management (simplified criteria requiring only benefit verification and diagnosis).
Policy effective June 4, 2026 · verified June 5, 2026 · source: kp-zepbound-nw-en.pdf