Employer / Commercial Insurance
Covered with requirementsWhat you need to qualify
- 6 months of a documented diet and exercise program
- Prescribed by or in consultation with a specialist
- Confirmed MASH diagnosis by liver_biopsy, FibroScan_VCTE, ELF_test, and MRE, fibrosis stage F2 to F3
Qualification pathways
You can qualify through any one of these.
Noncirrhotic MASH with F2 or F3 fibrosis
All of:
- Diagnosis of MASH (noncirrhotic metabolic dysfunction-associated steatohepatitis / NASH) established by or in consultation with a gastroenterologist or hepatologist
- Fibrosis stage F2 or F3 confirmed by one of the accepted methods (liver biopsy, VCTE, ELF score, or MRE)
- Attestation medication will be used with lifestyle modification
Documentation to bring
- Clinical documentation (e.g., chart notes) confirming diagnosis of MASH established by or in consultation with a gastroenterologist or hepatologist
- Documentation of Stage F2 or F3 fibrosis confirmed by one of: liver biopsy, vibration-controlled transient elastography (VCTE), Enhanced Liver Fibrosis (ELF) score, or magnetic resonance elastography (MRE)
- Attestation that medication will be used with lifestyle modification
- For continuation: attestation of clinical benefit such as stability or improvement of liver fibrosis stage relative to baseline
Quantity limits
- all strengths - injection — 4 pens per 28 days
- all strengths - tablet — 30 tablets per 30 days
Approval and renewal
- Initial approval: 12 months
- Renewal: every 12 months
- To renew, the plan looks for Attestation that the medication is providing clinical benefit, such as stability or improvement of liver fibrosis stage relative to baseline.
Not covered when
- Cirrhotic MASH (policy specifies noncirrhotic only)
- Co-administration with other weight loss medications considered investigational
- Diabetic ketoacidosis (DKA)
- Type 1 diabetes
Policy note: MASH indication is NOT subject to the weight loss benefit contract language restriction — it qualifies under standard coverage without the obesity benefit rider requirement. Prior to 6/4/2026 revision, there was a requirement for prior failure to achieve weight loss goals with diet and exercise; this has been removed. Specialist (gastroenterologist or hepatologist) diagnosis or consultation is explicitly required. No lookback periods specified for confirmatory testing. Wegovy HD added at parity 6/4/2026. BMI >= 27 kg/m2 was observed in the ESSENCE trial population but is not listed as a policy coverage criterion.
Policy effective July 15, 2026 · verified July 16, 2026 · source: dru787reg.pdf