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Table of contents The coverage split: diabetes vs obesity-only What UnitedHealthcare's 2026 formulary actually says The prior authorization gauntlet: what UHC requires before approval Step therapy: the medications you must fail first Medicare Advantage vs commercial UHC plans The employer exclusion problem: why your coworker's coverage differs from yours What most articles get wrong about "medical necessity" The appeal protocol when UHC denies your Zepbound prescription Out-of-pocket cost when UHC won't cover: brand vs compounded alternatives The compounded tirzepatide pathway for UHC members When switching to semaglutide makes financial sense FAQ Sources The coverage split: diabetes vs obesity-only UnitedHealthcare's coverage of Zepbound follows a clear two-tier structure based on FDA indication: Check your GLP-1 eligibility Use our free BMI Calculator to see if you may qualify for provider-reviewed GLP-1 therapy

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