When does your savings card run out?
Bottom line
A copay card does not set a price; it caps a contribution, twice — per fill and per calendar year. Bigger fills are worse, not better. Put your card and your fill size in below.
Last updated 2026-08-26 — each sponsor's own published ceilings
What this card covers
13 months
13 fills of 1 month, 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 covered months is 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 2026-08-26. 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 save less rather than more, because the per-fill cap scales with the fill while the annual ceiling does not: four three-month Zepbound fills claim $1,200 of the $1,300 available and forfeit $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 subsidising a copay. Every figure here was read from the manufacturer's own terms on 2026-08-26.
The ceilings this runs on
| Card | Per 1-month fill | Per year | Max fills | Read |
|---|---|---|---|---|
| Mounjaro Savings Card | $150 | $1,950 | 13 | 2026-08-26 |
| Zepbound savings card | $100 | $1,300 | 13 | 2026-08-26 |
| Wegovy savings card | $100 | not published | not published | 2026-08-26 |
Savings card limits, answered
- How many months does a Zepbound savings card cover?
- Twelve, 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?
- No — they save less. The per-fill cap scales with the fill but the annual ceiling does not, so four three-month Zepbound fills at $300 each claim $1,200 of the $1,300 available and forfeit $100 for the convenience. On Mounjaro the same pattern forfeits $150 of $1,950. Fewer trips to the pharmacy, 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 carries a verified maintenance price read from the seller's own page with the date it was read.
- Does this work without insurance?
- No. A copay card lowers a copay, and with no coverage there is no copay to lower — the manufacturer's cap means the card cannot bridge a full list price. What exists instead is a self-pay price, which is a different instrument entirely and is 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.