GLP-1 Copay Card Net Cost Calculator
Forecast your monthly spend on GLP-1 medications after combining insurance coinsurance with copay card savings. Enter the retail list price and your coinsurance share, then layer in optional deductible and card benefit assumptions to see the cash you need to budget each month.
Verify benefits, formulary status, and copay program terms with your insurer and the drug manufacturer before budgeting.
Examples
- $1,050 list price, 20% coinsurance, $500 card cap, $150 deductible ⇒ Out-of-pocket before assistance: $360.00 USD • Copay card covers: $360.00 USD (100.00%) • Net patient cost after card: $0.00 USD per month
- $900 list price, 25% coinsurance, optional fields blank ⇒ Out-of-pocket before assistance: $225.00 USD • Copay card covers: $225.00 USD (100.00%) • Net patient cost after card: $0.00 USD per month
FAQ
What if my plan has a copay instead of coinsurance?
Enter the flat copay as the list price and set coinsurance to 100% so the tool treats the amount as your pre-card obligation.
How should I model prior authorization delays?
Use the deductible field to add the full list price for months when coverage is denied so you can see the cash impact until approval.
Can I include manufacturer bridge programs?
Yes. Increase the copay card benefit to the monthly amount the bridge program covers so you capture the reduced patient cost.
Does this handle annual card maximums?
Divide the annual benefit by 12 and enter that figure as the copay card cap to approximate monthly coverage.
Additional Information
- Coinsurance multiplies the list price by your plan's patient share before applying deductible balances.
- Copay savings default to a $500 monthly cap, which aligns with popular GLP-1 manufacturer programs—update it if your card differs.
- If your deductible is already satisfied, leave the optional deductible field blank to model coinsurance only.