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UnitedHealthcare

Does UnitedHealthcare cover Zepbound for Obstructive Sleep Apnea (OSA)?

Yes. UnitedHealthcare covers Zepbound for obstructive sleep apnea (OSA) with prior authorization if your BMI is 30 or higher. Other policy requirements and your plan's benefits also apply.

Policy document

  • Employer and ACA Marketplace: Covered with requirements. See the qualification pathways below.

Earliest policy review June 2, 2026. How we verify · Check your exact plan

Full requirements: Zepbound for Obstructive Sleep Apnea (OSA) (2 plan types)

Applies to Employer and ACA Marketplace plans.

Covered with requirements

Qualification pathways

You can qualify through any one of these.

Initial Authorization – Zepbound for OSA

All of:

  • Treatment requested for obstructive sleep apnea
  • Patient is 18 years of age or older
  • BMI ≥ 30 kg/m2 documented in medical records
  • Moderate-to-severe OSA evidenced by sleep study AND (AHI > 15 events/hour OR REI > 15 events/hour OR RDI > 15 events/hour)
  • At least one previous unsuccessful dietary effort to lose weight documented
  • Used in combination with a reduced calorie diet and increased physical activity
  • No diagnosis of diabetes AND HbA1c ≤ 6.5%
  • Provider attests patient counseled on appropriate positional therapy
  • Provider attests patient counseled on avoidance of alcohol and/or sedatives before bedtime
  • Prescriber attests no planned surgery for sleep apnea or obesity
  • Prescriber attests no diagnosis of predominant central or mixed sleep apnea (mixed/central apneas/hypopneas > 50% of all respiratory events)
  • Prescribed by or in consultation with a sleep specialist

Plus any one of:

  • Patient has continued symptoms of OSA despite PAP therapy adherence (≥ 4 hours/night for ≥ 70% of nights)
  • Patient is not a candidate for PAP therapy (e.g., upper airway anatomic abnormalities)

Reauthorization – On therapy < 52 weeks

All of:

  • Patient has been on Zepbound for less than 52 weeks of consecutive therapy
  • Medical records confirm any decrease from baseline in AHI, RDI, or REI after initiating Zepbound
  • Weight loss ≥ 10% of baseline body weight
  • Used in combination with a reduced calorie diet and increased physical activity
  • No diagnosis of diabetes AND HbA1c ≤ 6.5%
  • Patient continues to require treatment for obstructive sleep apnea

Reauthorization – On therapy ≥ 52 weeks

All of:

  • Patient has been on Zepbound for ≥ 52 weeks of consecutive therapy
  • Medical records confirm ≥ 50% decrease from baseline in AHI, RDI, or REI after initiating Zepbound
  • Weight loss ≥ 10% of baseline body weight
  • Used in combination with a reduced calorie diet and increased physical activity
  • No diagnosis of diabetes AND HbA1c ≤ 6.5%
  • Patient continues to require treatment for obstructive sleep apnea

Documentation to bring

  • Medical records documenting BMI ≥ 30 kg/m2
  • Sleep study results confirming moderate-to-severe OSA
  • AHI > 15 events/hour OR REI > 15 events/hour OR RDI > 15 events/hour documented in sleep study
  • Documentation of at least one previous unsuccessful dietary effort to lose weight
  • Documentation of PAP therapy adherence failure (≥ 4 hours/night for ≥ 70% of nights with continued OSA symptoms) OR documentation that patient is not a candidate for PAP therapy
  • HbA1c result confirming ≤ 6.5% and no diabetes diagnosis
  • Prescriber attestation that patient was counseled on positional therapy
  • Prescriber attestation that patient was counseled on avoidance of alcohol and/or sedatives before bedtime
  • Prescriber attestation that patient has no planned surgery for sleep apnea or obesity
  • Prescriber attestation that patient does not have predominant central or mixed sleep apnea
  • Documentation of sleep specialist prescribing or consultation
  • For reauthorization (< 52 weeks): Medical records showing any decrease from baseline in AHI, RDI, or REI
  • For reauthorization (≥ 52 weeks): Medical records showing ≥ 50% decrease from baseline in AHI, RDI, or REI
  • For reauthorization: Documentation of ≥ 10% weight loss from baseline body weight

Quantity limits

  • all strengths — Supply limits may be in place (specific limits not defined in this document)

Approval and renewal

  • Initial approval: 6 months
  • Renewal: Requires ≥ 10% weight loss from baseline AND improvement in AHI, RDI, or REI from baseline. For patients on therapy < 52 weeks: any decrease in AHI/RDI/REI; renewal is 6 months. For patients on therapy ≥ 52 weeks: ≥ 50% decrease in AHI/RDI/REI from baseline; renewal is 12 months. Diabetes exclusion (no diabetes diagnosis and HbA1c ≤ 6.5%) is re-verified at continuation.

Not covered when

  • Diagnosis of diabetes
  • HbA1c > 6.5%
  • Planned surgery for sleep apnea or obesity
  • Predominant central or mixed sleep apnea (mixed/central apneas/hypopneas > 50% of all respiratory events)

Policy note: OSA severity is defined as AHI/REI/RDI > 15 events/hour (moderate-to-severe). PAP candidacy: patient must either have failed PAP therapy (defined as ≥ 4 hours/night for ≥ 70% of nights) with continued symptoms, or be documented as not a candidate for PAP. Reauthorization duration varies: 6 months if on therapy < 52 weeks; 12 months if on therapy ≥ 52 weeks. The 50% AHI/RDI/REI reduction threshold applies only at the ≥ 52-week renewal. The diabetes/HbA1c exclusion is re-verified at each reauthorization. Program number: 2025 P 1475-2. P&T Approval Dates: 3/2025, 12/2025. Effective Date: 3/1/2026.

Policy effective March 1, 2026 · verified June 2, 2026 · source: PA Non Formulary Zepbound · View policy document (PDF)

Open on its own page →

Questions people ask
Does UnitedHealthcare cover Zepbound?
Yes. UnitedHealthcare covers Zepbound for obstructive sleep apnea (OSA) with prior authorization if your BMI is 30 or higher. Other policy requirements and your plan's benefits also apply.
How long does a Zepbound approval last with UnitedHealthcare?
Obstructive Sleep Apnea (OSA) — Applies to Employer and ACA Marketplace plans. Initial approval: 6 months.
What does UnitedHealthcare require to renew Zepbound?
Obstructive Sleep Apnea (OSA) — Applies to Employer and ACA Marketplace plans. Requires ≥ 10% weight loss from baseline AND improvement in AHI, RDI, or REI from baseline. For patients on therapy < 52 weeks: any decrease in AHI/RDI/REI; renewal is 6 months. For patients on therapy ≥ 52 weeks: ≥ 50% decrease in AHI/RDI/REI from baseline; renewal is 12 months. Diabetes exclusion (no diabetes diagnosis and HbA1c ≤ 6.5%) is re-verified at continuation.
How current is this information?
The oldest review date among the policies on this page is June 2, 2026. Each policy's effective and verification dates appear with its requirements. Confirm current benefits with your plan.

Also under UnitedHealthcare: Mounjaro, Ozempic, Wegovy

Zepbound under other plans: Aetna, Centene, Cigna, Medicare GLP-1 Bridge (CMS), Alabama Medicaid, BCBS Alabama, BCBS Arizona, BCBS Arkansas

All insurance plans · All medications

Summary of UnitedHealthcare's written policy, not a guarantee of coverage. Plans vary by employer and benefit design.