When does your savings card run out?
Bottom line
A copay card does not set a price; it caps a contribution — per fill, and on 3 of these 6 cards per calendar year as well. Bigger fills never save more, and in most years save less. Put your card and your fill size in below.
Last updated 2026-09-11 — each sponsor's own published ceilings. Read and dated by Alex Seot.
What this card covers
13 fills (364 days)
1-month fills, claiming $150 each. That is $1,950 of the $1,950 Eli Lilly allows in a calendar year. Nothing of the ceiling goes unused at this fill size.
A month here is 28 days, so 13 1-month fills are 364 days — a full year with nothing spare. The annual money ceiling is what binds first.
Figures read from Eli Lilly's own published terms on 2026-09-05. The manufacturer states it may change these maximums at its own discretion, with or without notice. Nothing you type here is sent anywhere.
How long does a GLP-1 savings card last?
Exactly one calendar year on Lilly's cards, and that is a design rather than a coincidence. Zepbound is capped at $100 of savings per one-month fill and $1,300 a year over at most 13 fills — and $100 across 13 fills is $1,300 to the dollar. Mounjaro is the same shape at $150 and $1,950. A month in these terms is 28 days, so 13 fills is 364 days: the card is calibrated to cover a year with nothing spare, and one early refill costs you a fill in December. Larger fills never save more, and in most years save less, because the per-fill cap scales with the fill while the annual ceiling does not: four three-month Zepbound fills cover 336 days and claim $1,200 of the $1,300 available, and only a year whose first fill lands in its first 29 days has room for a fifth to claim the last $100. Novo caps Wegovy at $100 a month and publishes no annual ceiling at all. None of it applies without commercial insurance that already covers the drug, and none of it applies to Medicare, Medicaid or TRICARE, where federal anti-kickback rules bar a manufacturer from subsidizing a copay. Every figure here was read from the manufacturer's own terms, between 2026-09-05 and 2026-09-11.
The ceilings this runs on
| Card | Per 1-month fill | Per year | Max fills | Read |
|---|---|---|---|---|
| Mounjaro Savings Card | $150 | $1,950 | 13 | 2026-09-05 |
| Trulicity Savings Card | $150 | $1,950 | 13 | 2026-09-08 |
| Zepbound savings card | $100 | $1,300 | 13 | 2026-09-05 |
| Ozempic Savings Card | $100 | not published | not published | 2026-09-11 |
| Rybelsus Savings Offer | $100 | not published | not published | 2026-09-08 |
| Wegovy savings card | $100 | not published | not published | 2026-09-05 |
Savings card limits, answered
- How many months does a Zepbound savings card cover?
- A year of 13 fills, and not one refill more. Lilly caps its contribution at $100 per one-month fill and $1,300 a calendar year across at most 13 fills, and $100 across 13 fills is $1,300 to the dollar. A month in these terms is 28 days, so 13 fills is 364 days — the card is built to cover exactly one year with nothing spare. Refill early once and the fill you lose is December's.
- Do bigger fills save more?
- Never more, and in most years less. The per-fill cap scales with the fill but the annual ceiling does not, so four three-month Zepbound fills at $300 each cover 336 days and claim $1,200 of the $1,300 available. On an 84-day schedule only a year whose first fill lands in its first 29 days has room for a fifth, which claims the last $100; in every other year the $100 goes unclaimed. On Mounjaro the same pattern leaves $150 of $1,950 unclaimed in most years. Fewer trips to the pharmacy, usually less of the manufacturer's money.
- What happens when the card runs out?
- It stops paying and you pay the full price. That is the number worth knowing before the card runs out rather than after, which is why the calculator shows it: every drug here except Rybelsus carries a verified maintenance price with its source and the date it was read. Rybelsus has no verified cash price, so for it the calculator shows none.
- Does this work without insurance?
- No — every card here asks for commercial insurance. Where the plan covers the drug, the card lowers the copay up to the ceilings above. Where the plan does not, the Mounjaro Savings Card and the Zepbound savings card set a separate price in their own terms: Without coverage the same card lets you pay as little as $499 for a 28-day fill, with Lilly's savings in that case capped at $647 a month and $8,411 a year. Without coverage the same card lets you pay as little as $499 for a 28-day fill of the single-dose pen, up to 13 fills a year, or for the KwikPen as little as $299 at 2.5 mg, $399 at 5 mg and $449 from 7.5 mg up. With no insurance at all, what exists is a self-pay price, a different instrument listed separately on this site.
halfrx is not affiliated with any manufacturer and is paid nothing for listing these. Everything runs in your browser; nothing you type is sent anywhere or stored. Information only, not medical or insurance advice.
Who these cards are closed to
A cap is the maker's choice. The exclusion is not, and these are the documents behind it.
- Social Security Act §1927(d)(2), Office of the Law Revision Counsel — The statute itself, listing “agents when used for anorexia, weight loss, or weight gain” among the drugs a program may exclude.
- Manufacturer safeguards may not prevent copayment coupon use for Part D drugs, HHS Office of Inspector General — Why a manufacturer copay card cannot be used with a federal program, from the office that enforces it.
- Weight-loss drugs, Medicare.gov — Medicare's own page on what it does and does not cover for weight loss.