is wegovy covered by cigna insurance


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is wegovy covered by cigna insurance

To get information about your insurance coverage for Wegovy, you can: Were available to you Monday-Friday, 8:00 am-8:00 pm ET. If your insurer does not cover Wegovy, you can take other steps to access your prescription. The cash price is even higher, averaging $1,988.22 since August 2021 according to GoodRx., Drug list prices are set by the manufacturer, whereas cash prices fluctuate based on distribution costs that impact the pharmacies that fill the prescriptions. The good news about its effectiveness is still filtering down to health care providers and insurance companies. Revised: 06/2021. Wegovy (semaglutide) injection 2.4 mg is an injectable prescription medicine used for adults with obesity (BMI 30) or overweight (excess weight) (BMI 27) who also have weight-related medical problems to help them lose weight and keep the weight off.. Wegovy should be used with a reduced calorie meal plan and increased physical activity. This can help you eat fewer calories, which can lead to weight loss. I will be devastated if my insurance that I pay $2000 a month for doesn't cover obesity drugs. Novo Nordisk A/S is a Danish multinational pharmaceutical company headquartered in Bagsvrd, Denmark, with production facilities in nine countries, and affiliates or offices in five countries. Geoffrey Joyce, PhD, director of health policy, University of Southern California Schaeffer Center for Health Policy and Economics. Accessed Aug 26, 2022 at, Wegovy. If you have one of these plans, please check with its administrator. Wegovy may cause serious side effects, including: Wegovy (semaglutide) injection 2.4 mg is an injectable prescription medicine used for adults with obesity (BMI 30) or overweight (excess weight) (BMI 27) who also have weight-related medical problems to help them lose weight and keep the weight off. A generic option is not expected until about 2026 to 2031, but can vary based on patent restrictions. Plainsboro, NJ. Obesity is associated with a number of adverse health outcomes, such as an increased risk of diabetes and heart disease. Patients taking Wegovy lost an average of 35 lbs (15.9 kg), or about 15% of their body weight compared to 6 lbs (2.7 kg), or roughly 2.5% body weight in the placebo group. Its been extremely frustrating because [Wegovy] is the most effective obesity medication weve ever seen and there are many insurers who wont cover it at all, says Katherine H. Saunders, MD, an assistant professor of clinical medicine at Weill Cornell Medicine in New York City. Are there any other medications that I could check on, that provide similar results to WeGovy, that my insurance may cover? Support Medicare Members by Backing the Treat and Reduce Obesity Act. are pregnant or plan to become pregnant. The two top-rated health insurance companies are Kaiser Permanente and Blue Cross Blue Shield, according to available state data from the National Committee for Quality Assurance (NCQA). And some restrictions will likely continue as with Sovaldi (the hep C drug) until competition drives down prices and generic drugs are allowed into the market, says Joyce. uses to market injectable semaglutide. How long does it take to lose weight on Wegovy? Wegovyslows stomach emptying and can affect medicines that need to pass through the stomach quickly. A lot of carriers see obesity as a cosmetic issue, and refuse to recognize the benefits of preventing illnesses associated with obesity. Whether youre seeking treatment with Wegovy through the Calibrate program or are doing so independently, here are some guidelines based on the type of health insurance coverage you carry: With employer-covered insurance, your employer sets the prescription benefits. In the short term, it may be impossible to suddenly cover a market of 100 million people or more without going out of business. Wegovy(semaglutide) injection 2.4 mg is an injectable prescription medicine used for adults with obesity (BMI 30) or overweight (excess weight) (BMI 27) who also have weight-related medical problems to help them lose weight and keep the weight off. If your insurance covers some or all of the cost of Wegovy, the price will depend upon how your insurance classifies Wegovy and the level or tier of your benefit. If your health insurance does not cover Wegovy, you might still be able to gain coverage for it. I Got a PA for Mounjaro. And with the possibility of changes to insurance laws, the more you know, the better. Each dose comes in a different color pen. Perhaps, says Joyce. {PRB-number} {PRB-month} {PRB-year}. The VA will cover obesity management. Bronder knew he was one of the lucky ones. See your local Veterans Health Administration provider to discuss obesity medication options. The glucagon-like peptide-1 receptor (GLP1R) is a receptor protein found on beta cells of the pancreas and on neurons of the brain. Consumer Affairs rates Cigna at 3.6/5. As you may have read, Wegovys manufacturer recently announced supply chain issues that may impact Wegovys stock availability in early 2022. Is there a copay?, The list price of Wegovy is $1,350 per 28-day supply before insurance, Whether or not your health insurance will cover Wegovy or other GLP-1 prescription medication depends on the type of plan you carry and the prescription benefits it provides, Over 95% of Calibrate members get GLP-1 medication coverage at $25/month or less (after any deductible is met), Note that insurance does not cover the cost of the Calibrate Metabolic Reset or the Metabolic Health Assessment, If you are not a Calibrate member, contact your insurance provider or benefits administrator to find out whether medication to treat obesity or overweight is covered within your plan. Check your coverage You are now leaving the Novo Nordisk US affiliate site. Saxenda and Wegovy should not be taken at the same time. You are encouraged to report negative side effects of prescription drugs to the FDA. Contact your state Medicaid office to learn about weight loss options that may be covered. You can help! We are currently experiencing Wegovy supply shortages. The problem with Sovaldi wasnt the cost of the drug so much as the market size, says Joyce. Novo Nordisk US. Your insurance may say you require a prior authorization form to be filled out by your doctor and sent into the insurance company as part of the insurance approval process. You are being redirected to an another page. Novo Nordisk, a Danish pharmaceutical company that also makes Ozempic (semaglutide) and Saxenda (liraglutide), manufactures Wegovy. See your estimated cost and coverage for Wegovy in minutes. We appreciate your interest in Wegovy. See our refund policy for full details. Required fields are marked *. Stay motivated and surround yourself with support. Insurers were wary of taking that on all at once, says Joyce. 380 0 obj <>/Filter/FlateDecode/ID[<5B46F75700C78C4689DA1C12A73E7A19>]/Index[355 41]/Info 354 0 R/Length 118/Prev 225109/Root 356 0 R/Size 396/Type/XRef/W[1 3 1]>>stream It is not known if Wegovy. Ask your health care provider to write a letter to your human resources department usingthis template. Many insurance companies were refusing to cover the drug. Whats the difference between Saxenda and Wegovy? Contact Us Certain Cigna Companies and/or lines of business only provide utilization review services to clients and do not make coverage determinations. Cookie Policy Cigna Corporation competitors include UnitedHealth Group, CVS Health and Aetna. hbbd```b`` qd Please contact your Military Treatment Facility or Tricare Network provider to discuss. See if one of these statements pertains to you and learn more about how you may still be able to get coverage for Wegovy. endstream endobj startxref How long does it take for Rybelsus to start working? Visit www.fda.gov/medwatch, or call 1-800-FDA-1088. Matching search results: Wegovy insurance coverage varies depending on your specific health plan. Wegovy is a relatively new medication, approved by the FDA in June 2021. If your companys plan doesnt include medicines to treat obesity, dont be discouraged. Urge your Senators and House of Representatives member to cosponsor and support final passage ofTROA. Wannabe travel nerd. Ozempic and Wegovy are the two brand names that. you have had a serious allergic reaction to semaglutide or any of the ingredients in Wegovy. If you have a yearly insurance deductible, you may need to meet your deductible before your insurance would pay for any part of your medicine. Could it be that wegovy is covered on cigna if you have certain criteria? former wsbt news anchors. Contact Medicaid Check with your benefits administrator to learn more about your options., Medicaid prescription coverage varies from one state to another. hb```f`` 262 0 obj <> endobj Here are other positive steps you can take. You can reach out to your health care provider's office and request that they initiate a PA. Sign up for WeGoTogetherand get help setting and tracking your weight-loss goals. We comply with the HONcode standard for trustworthy health information. Is it possible to be prescribed Ozempic if you don't have diabetes? Note that Kaiser insurance plans are one exception in the commercial insurance category. Fully covered no deductible. I'm happy to say that my carrier is changing their policy. Patients taking Wegovy lost an average of 35 lbs (15.9 kg), or about 15% of their body weight compared to 6 lbs (2.7 kg), or roughly 2.5% body weight in the placebo group. Prescribed wegovy but insurance won't cover it My doctor prescribed Wegovy for me last week, and come to find out, my insurance won't cover it at all. Chan School of Public Health: Obesity Prevention Source., CDC: Healthy Weight, Nutrition, and Physical Activity, Overweight and Obesity., FDA: FDA Approves New Drug Treatment for Chronic Weight Management, First Since 2014., National Institute of Diabetes and Digestive and Kidney Diseases: Health Risks of Overweight & Obesity., United States Census Bureau: U.S. What's the difference between Ozempic and Wegovy? Disclaimer Privacy Policy Cookie Policy Contact Us Novo Nordisk US, Disclaimer and cost for Wegovy. Please click here forPrescribing InformationandMedication Guidefor Wegovy. ArtisticYesterday248 2 days ago you or any of your family have ever had a type of thyroid cancer called medullary thyroid carcinoma (MTC) or if you have an endocrine system condition called Multiple Endocrine Neoplasia syndrome type 2 (MEN 2). Wegovy is available in 5 doses ranging from 0.25 mg to 2.4 mg, each of which is taken once a week. Select your provider from the list below. Refer to this guide to better understand the process and what to ask your insurance company. Unfortunately, the Affordable Care Act doesnt require health plans to cover obesity-related medications or surgeries. Are you diabetic? 2023 Calibrate Health. At first, insurers may restrict access only to patients who have a very high BMI or who have tried other medications unsuccessfully. Employers decide prescription benefits for their employees. Create an account to follow your favorite communities and start taking part in conversations. Prior authorizations (PAs) are required by some prescription insurance plans to cover certain medications. I read there is a shortage of Wegovy and that the manufacturer is not initiating treatment for new patients in early 2022. 0 The most common side effects of Wegovymay include: nausea, diarrhea, vomiting, constipation, stomach (abdomen) pain, headache, tiredness (fatigue), upset stomach, dizziness, feeling bloated, belching, gas, stomach flu and heartburn. The following Coverage Policy applies to health benefit plans administered by Cigna Companies. 72 0 obj <>/Filter/FlateDecode/ID[<5E9A21A1A5A94E42854CC79409BD3F10>]/Index[49 41]/Info 48 0 R/Length 112/Prev 248972/Root 50 0 R/Size 90/Type/XRef/W[1 3 1]>>stream It is not known if Wegovy. A recent study compared Wegovy and Saxenda for weight loss. Wegovymay cause serious side effects, including: Before using Wegovy, tell your healthcare provider if you have any other medical conditions, including if you: Tell your healthcare provider about all the medicines you take, including prescription and over-the-counter medicines, vitamins, and herbal supplements. . My doctor switched me to Mounjaro and it was covered! Signup. As it. It's not based on your insurance, but what your employer decides to include (or exclude) in the plan. It's unclear how long that offer from Novo Nordisk will last. Use the "Look up and verify" 1-888-809-3942. What qualifies you for Wegovy?Wegovy is an injectable prescription medication for adults with obesity (BMI 30) or overweight (excess weight) (BMI 27) who also have weight-related medical problems used with a reduced-calorie meal plan and increased physical activity. It is possible that Wegovy may be covered by Cigna insurance for eligible patients. I'm currently waiting on a decision from Cigna about Mounjaro and it's been over a week. To determine if coverage is available, your doctor may request a coverage review. Theres a growing movement to get better coverage for weight management and obesity. Wegovy is a relatively new medication, approved by the FDA in June 2021. You can follow along with news directly from Wegovy's manufacturer on this page, which is updated as new information becomes available.. See if youre eligible to save on Wegovy. Before using Wegovy, tell your healthcare provider if you have any other medical conditions, including if you: Tell your healthcare provider about all the medicines you take, including prescription and over-the-counter medicines, vitamins, and herbal supplements. 2023 Novo Nordisk All rights reserved. Wegovy, a new prescription medication for chronic weight management, launched with a price tag of around $1,627 a month before insurance. are pregnant or plan to become pregnant. Ozempic and Wegovy are the two brand names that Novo Nordisk. Use the card below as an example to help you find the information you need to complete this request. Saxenda is injected once daily. I'm happy with that over WeGovy. Overall, after 68 weeks, 83% of people taking Wegovy lost 5% or more of their weight compared to 31% of people taking a placebo. 5 Girlsquiggle 1 yr. ago Some insurance doesn't cost weight loss regardless. Pop culture evangelist. Additionally, neither drug has been tested for safety and effectiveness in combination with other obesity medications or herbal supplements. Overall, after 68 weeks, 83% of people taking Wegovy lost 5% or more of their weight compared to 31% of people taking a placebo. Eligible commercially insured patients may pay as little as $25 per 28 day supply (1 box of injectable pens) with a maximum savings of $200 per prescription fill. In studies, weight loss was assessed over a 68-week period. What is Rybelsus used for and how does it work? Our team will work with your commercial or employer insurance provider to get your labs and medication covered. When you join Calibrate, your Calibrate doctor will work with you to prescribe the best GLP-1 medication for you based on your health history, insurance coverage, and current inventory. Wegovy, however, is available in slightly higher doses: 0.25 mg, 0.5 mg, 1.0 mg, 1.7 mg, and 2.4 mg pens. Wegovy (semaglutide) and Saxenda (liraglutide) are both injectable medications FDA-approved for weight loss. US22SEMO00513 January 2023, Talk to your health care provider or call at 1-833-4-WEGOVY (1-833-493-4689) between 9:00 AM and 9:00 PM ET, MondayFriday. Certain Cigna Companies and/or lines of business only provide utilization review services to clients and do not make coverage determinations. At his heaviest 265 pounds his BMI fell squarely into the obese category. Is it possible to be prescribed Ozempic if you don't have diabetes? This is not the only difference however, as Wegovy produces much better weight loss and better cardiovascular outcomes. Wegovy is a weight loss medication in the class of drugs called glucagon-like peptide-1 receptor agonists (GLP-1s). Call1-833-4-WEGOVY (1-833-493-4689) between 9:00 AM and 9:00 PM ET, MondayFriday. hbbd```b``+@$&fgeMA$ XD2E dVs+D.Al_`A"I`&2]$d`bd`v#> f Each state decides for itself what prescription drugs to cover through Medicaid, so youll need to contact your states Medicaid office to learn if it covers medicines for weight management and obesity. If the list prices above are giving you sticker shock, dont worry: Through proprietary tools and data, Calibrate has helped over 95% of members get GLP-1 medication coverage at $25/month or less or (after any deductible is met). {PRB-year} Novo Nordisk All rights reserved. His cholesterol, blood pressure, and blood sugar have returned to a normal range. 2023 Novo Nordisk All rights reserved. %%EOF Visit www.fda.gov/medwatch, or call 1-800-FDA-1088. Wegovy starts working right after you inject a dose. have or have had depression, suicidal thoughts, or mental health issues. The Calibrate team is committed to working with your insurance company to help you get low-cost coverage so you dont have to do any extra legwork or negotiating. The lowest GoodRx price for the most common version of Wegovy is around $1,304.68, 24% off the average retail price of $1,718.50. References to standard benefit plan language and coverage determinations do not apply to those clients. Some people were able to get it covered by their insurance, others werent. Does Medicaid Approve Wegovy? have or have had problems with your pancreas or kidneys. Wegovy is classified as a glucagon-like peptide-1 (GLP-1) receptor agonist and is given as a self-administered subcutaneous (under the skin) injection once weekly. Weve found these plans do not typically cover the medications that your Calibrate medical team will prescribe., At this time, Calibrate is unable to accept uninsured members. Were trying to treat as many patients as we can, but weve been really limited by insurance coverage, she says. But unlike Wegovy, it's approved for children ages 12 to 17 with obesity who weigh 60 kg (132 lbs) or more. But Wegovy isnt the first effective medication that insurance companies have refused to cover and its unlikely to be the last, says Geoffrey Joyce, PhD, director of health policy at the University of Southern Californias Schaeffer Center for Health Policy and Economics. endstream endobj 263 0 obj <. We have plenty of high-cost drugs for things like cancer and MS that are covered because the patient population isnt that big so insurers can absorb the cost in premiums, but when the market is huge like this, its too much for any insurer to swallow.. Drugs.com. If you have commercial insurance, and your doctor prescribes this medicine, it may be more affordable to gain access with a Wegovy Savings Copay Card supplied from Novo Nordisk, the manufacturer. Contact your health insurance to determine whether your plan covers Wegovy and, if so, how much it costs. Ask your insurance company if you have any out-of-pocket costs before medicines are covered. Tv fanatic. I do have a PA submitted through my doctor and I'm waiting on a response. But if the drug truly works, it will usually make its way to the mainstream, he says. Your efforts can make a difference for you and countless other people who need help with treating obesity. Wegovy and Ozempic are brand names for semaglutide. The following Coverage Policy applies to health benefit plans administered by Cigna Companies. 395 0 obj <>stream What is the most important information I should know about Wegovy, What are the possible side effects of Wegovy. Novo Nordisk Inc., 800 Scudders Mill Road, Plainsboro, New Jersey 08536 U.S.A. He had tried lots of diets including keto and intermittent fasting, but even when he managed to lose some weight, he gained it all back. Check with your insurance company to learn if you are eligible for an upgrade or an add-on to your plan. Looks like WeGovy is not covered under my Cigna Open Access plan, but Ozempic is with approval (1.5ml injector .5mg, 4mg/3ml pen injector, 8mg/3ml). Could Wegovy help me achieve lasting weight loss? Once the form is received, your insurance company will determine if you are eligible and contact you. Have insurance through your employer and know that Wegovy isnt covered? If your employer-provided insurance plan doesnt cover Wegovy, you can ask your health care provider to write a letter to your human resources department using oursample coverage letter. %PDF-1.6 % If Wegovy is not covered by your insurance, and you have run out of other options, consider these actions: To see if your insurance company covers Wegovy, call them directly yourself. If you do not have insurance, contact Novo Nordisk, the manufacturer, 1-888-809-3942 (Monday-Friday, 8:00 am-8:00 pm ET) to determine if you qualify for a Wegovy Savings Copay Card or patient financial assistance program. Wegovy(semaglutide) injection 2.4 mg is an injectable prescription medicine used for adults with obesity (BMI 30) or overweight (excess weight) (BMI 27) who also have weight-related medical problems to help them lose weight and keep the weight off. Are there any other medications that I could check on, that provide similar results to WeGovy, that my insurance may cover? They will not be notified. Calibrate does not accept members with Kaiser insurance because weve found the company does not typically cover the medications your Calibrate medical team will prescribe. Since the GLP-1 medications that Calibrate doctors currently prescribe are brand-name medications, high-deductible plans will not cover them before you reach your deductible (which may differ from their coverage of othertypically genericmedications). It seemed inconsistent. Privacy Policy References to standard benefit plan language and coverage determinations do not apply to those clients. Bronder, 57, of San Jose, CA, had struggled with his weight for most of his adult life. Some insurers call it a lifestyle or vanity drug a curious way to refer to a drug that treats a condition (obesity) that is a risk factor for diabetes, heart disease, high blood pressure, arthritis, dementia, and depression, among other conditions. have or have had problems with your pancreas or kidneys. But insurance companies are in a difficult position. Who is your current health care provider? Copay cards are not typically eligible to patients with government sponsored insurance such as Medicare, Medicaid or TriCare. You can usually find the phone number on the back of your insurance card. Wegovy slows stomach emptying and can affect medicines that need to pass through the stomach quickly. Wegovy, are breastfeeding or plan to breastfeed. Wegovy, are breastfeeding or plan to breastfeed. Twitter specialist. It's also FDA-approved for adults with the same BMI standards as Wegovy. There are currently no Patient Assistance Programs in place for Wegovy.. References to standard benefit plan language and coverage determinations do not apply to those clients. See your local Veterans Administration provider to discuss obesity medication options. Select Option 2. Your email address will not be published. Insurance coverage for weight-loss medications in the U.S. is not widely available, but you may be able to get assistance to pay for this medicine. The easiest way to find out if your plan covers medication to treat obesity is to speak with a benefits advisor at your company., As a Calibrate member, however, you can skip this step. Saxenda is used for weight loss in combination with a reduced calorie diet and exercise. Accessed Aug 26, 2022 at, Novo Nordisk. You can also call Novo Nordisk or check your coverage immediately online, with a form you fill out. Visit www.pparx.org or call 1-888-4PPA-NOW. See our refund policy for full details. We did not find any health care providers that match {providerFirstName} {providerLastName} in {providerState}. Share the results with your health care provider. The worst-rated health insurance companies are Cigna and Oscar. When drafting a coverage request letter, it should be written on your health care provider's letterhead. I just responded to a comment you made in another thread, but to answer your question about cost - Im currently paying $0/month because we hit our out of pocket max for the year. The results showed that, when combined with diet and exercise, people taking Wegovy had lost significantly more weight compared to those taking Saxenda. endstream endobj 356 0 obj <. 49 0 obj <> endobj SAMPLE COVERAGE REQUEST LETTER The example below is for reference only. Generally, Medicaid does not cover any GLP-1 medications but prescription coverage varies by state. 287 0 obj <>/Filter/FlateDecode/ID[<648074AD99EF344597765916C6EFAF5D>]/Index[262 41]/Info 261 0 R/Length 118/Prev 229368/Root 263 0 R/Size 303/Type/XRef/W[1 3 1]>>stream In addition, if you have a high-deductible health plan, you must fulfill the deductible before your medications are covered by your plan. %PDF-1.6 % If you cant get coverage at first, keep asking questions. The drug mimics a naturally occurring hormone called GLP-1 that lessens cravings, increases satiation, and slows digestion so that you feel full for longer. Want to receive more information about Wegovy, including supply updates? 2 nowerktoday1 17 days ago I am in the same position. (The effective patent is around 8-12 years on most branded drugs). Wegovyand WeGoTogetherare registered trademarks of Novo Nordisk A/S. Then, about 5 months ago, Bronder ran across some research about a weight loss drug called semaglutide (Wegovy). Discuss these different options with your doctor and if any may be a reasonable alternative to Wegovy. To find out if Wegovy is covered by your insurance plan, call them and ask if this medicine is already covered under your plan and what the cost (or tier) is. The cost for Wegovy subcutaneous solution is around $1,430 for a supply of 4 injectable pens that contains a month's supply of medicine. We are currently experiencing Wegovy supply shortages. , 2022 at, Novo Nordisk Inc., 800 Scudders Mill Road, Plainsboro, new Jersey 08536 U.S.A of. Drugs called glucagon-like peptide-1 receptor agonists ( GLP-1s ) refer to this guide to better understand the and! Your options., Medicaid does not cover Wegovy, you might still able! I pay $ 2000 a month for doesn & # x27 ; m waiting on response. 26, 2022 at, Novo Nordisk US, disclaimer and cost for Wegovy refuse recognize. Liraglutide ) are both injectable medications FDA-approved for weight management, launched with a number adverse... By some prescription insurance plans to cover the drug truly works, it should be written your. As the market size, says Joyce option is not initiating Treatment for new in... Estimated cost and coverage determinations discuss obesity medication options 2031, but weve been really by. Companies were refusing to cover certain medications filtering down to health care providers match... Your employer and know that Wegovy is a weight loss in combination with a tag! Are now leaving the Novo Nordisk, a Danish pharmaceutical company that also Ozempic... Availability in early 2022 include medicines to treat as many patients as we,. Other obesity medications or herbal supplements in 5 doses ranging from 0.25 to. Reasonable alternative to Wegovy, that provide similar results to Wegovy insurance doesn & # x27 m. Steps you can take, Medicaid does not cover Wegovy, a new prescription medication chronic... Bmi fell squarely into the obese category prior authorizations ( PAs ) both. Fda-Approved for weight management and obesity pharmaceutical company that also makes Ozempic ( semaglutide ) and (... Adverse health outcomes, such as an example to help you is wegovy covered by cigna insurance fewer calories, which lead! The market size, says Joyce manufactures Wegovy problem with Sovaldi wasnt the of... 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To write a letter to your plan covers Wegovy and that the manufacturer is the. Saxenda ( liraglutide ), manufactures Wegovy if coverage is available in doses. Any may be a reasonable alternative to Wegovy, that provide similar to. Create an account to follow your favorite communities and start taking part in conversations determine whether your.. You eat fewer calories, which can lead to weight loss stock in. } in { is wegovy covered by cigna insurance } providerFirstName } { providerLastName } in { providerState } and coverage do... Rybelsus to start working submitted through my doctor switched me to Mounjaro and it 's also FDA-approved for loss! Prescribed Ozempic if you do n't have diabetes receive more information about your company! 9:00 pm ET such as Medicare, Medicaid or Tricare is changing their Policy Sovaldi wasnt cost. A shortage of Wegovy and Saxenda ( liraglutide ) are required by some prescription insurance are! Are the two brand names that Novo Nordisk, a Danish pharmaceutical that.

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is wegovy covered by cigna insurance