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Home » Diabetes » Diabetes Medication » How to Save Money on Insulin with Copay Cards

Christel OerumBy Christel Oerum on April 9, 2020, Updated January 27, 2021
Diabetes

How to Save Money on Insulin with Copay Cards

If you live with insulin-dependent diabetes in the US, you know how expensive insulin can be, even if you have insurance.

But did you know that most insulin manufacturers have copay cards that can significantly reduce your co-pay? Or in some cases even eliminate it completely?

What’s a copay card

Copay cards have been around in the US for a long time and are a way for the manufacturers to reduce the copay you usually pay at the pharmacy. Anyone can visit a manufacturer’s website and download a copay card, but different rules may apply and some copay cards are only valid in combination with commercial insurance.

Unfortunately, you cannot use copay cards in combination with any government program such as Medicare or Medicaid due to federal anti-kickback laws.

How copay cards work

Most copay cards can be downloaded directly from the insulin manufacturer’s website and they will often also offer to mail them to you. You then show the copay card to your pharmacist and he/she will run it for you. If you use an online pharmacy, you’ll have to call them and give them the details that are on the front of the card.

After your pharmacist adds the card to your prescription, the final copay will be calculated and you’ll pay your reduced price and be on your way.

Let’s look at an example of how a copay card can save you money. I will use the Levemir copay card as an example since that is what I use myself.

Note: the exact cost and savings can be different depending on your individual situation and where you live.

Example of savings

I use Novo Nordisk Levemir as my basal insulin and I have commercial insurance. I get the Levemir in boxes of 5 pens.

  • Without insurance, Levemir can cost well over $500 for a box
  • After insurance, my copay is $60 per box
  • The copay card reduces the copay to $45 but with a $100 max saving
  • With the copay card, I therefore pay $45, a saving of $15 per box of 5 pens

If my copay was higher, the copay card would save me even more money:

  • If my copay was $100, I would still only pay $45 with the copay card, a saving of $55
  • If my copay was $200, I would pay $100 with the copay card (because the max saving is $100), a saving of $100

If I didn’t have insurance at all, I would be able to apply for a different copay card (the Novocare program) that would provide me with a 30-day supply of insulin for $99 (for up to 12 months.) 

Each manufacturer and program has it’s own terms, conditions, and savings so it’s important to read the terms carefully or contact the manufacturer directly for more information.

How to get an insulin copay card

Below you can find copay cards for most insulins and other common injectables used to manage diabetes. If you don’t see the brand you use here, try to search for it online. For example, search “Humalog copay card” in Google if you use Humalog insulin.

Please note that these programs change frequently so this information may not always be up to date. Check with your pharmacy to see your final co-pay. Diabetes Strong is not liable for the actual price you’re charged.

ManufacturerBrand nameCost with cardCoverageLink
Eli LillyBasaglar$5
up to $150 covered $1800 annually
Commercial insurance Click Here
Eli LillyHumalog (includes mixed Lilly insulin)$35Commercial insurance and no insurance Call (833) 808-1234
Eli LillyHumulin R U-500$25Commercial insuranceClick Here
Eli LillyTrulicity$25
Up to $150 covered
Commercial insuranceClick Here
MannKindAfrezza$15Commercial insuranceClick Here
Novo NordiskLevemir$45
Up to $100 covered
Commercial insuranceClick Here
Novo NordiskLevemir$99 per monthNo insuranceClick Here
Novo NordiskFiasp$45
Up to $100 covered
Commercial insuranceClick Here
Novo NordiskFiasp$99 per monthNo insuranceClick Here
Novo NordiskNovolog
(includes mixed Novo insulin)
$45
Up to $100 covered
Commercial insuranceClick Here
Novo NordiskNovolog (includes mixed Novo insulin)$99 per monthNo insuranceClick Here
Novo NordiskOzempic$25
Up to $150 covered
Commercial insuranceClick Here
Novo NordiskTresiba$5
Up to $150 covered
Commercial insuranceClick Here
Novo NordiskTresiba$99 per monthNo insuranceClick Here
Novo NordiskVictoza$45
Up to $100 covered
Commercial insuranceClick Here
SanofiAdmelog$99 per monthNo insuranceClick Here
SanofiApidra$0
Up to $100 covered
Commercial insuranceClick Here
SanofiApidra$99 per monthNo insuranceClick Here
SanofiLantus$0
No more than $99
Commercial insuranceClick Here
SanofiLantus$99 per monthNo insuranceClick Here
SanofiToujeo$0
No more than $99
Commercial insuranceClick Here
SanofiToujeo$99 per monthNo insuranceClick Here

Financial assistance programs

Copay cards are a great start, but if you find that you still cannot afford your insulin, you can consider applying for financial assistance programs through the manufacturers.

The programs have different eligibility requirements, such as household income. Please refer to the individual program to see if you qualify.

  • Eli Lilly: http://www.lillycares.com/aboutlillycares.aspx
  • Novo Nordisk: https://www.novocare.com/diabetes-overview/let-us-help/pap.html
  • Sanofi: http://www.sanofipatientconnection.com/patient-assistance-connection

Don’t pay more for insulin than you have to!

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Categories: Diabetes

Christel Oerum

About Christel Oerum

Christel is the founder of Diabetes Strong. She is a Certified Personal Trainer specializing in diabetes. As someone living with type 1 diabetes, Christel is particularly passionate about helping others with diabetes live active healthy lives. She’s a diabetes advocate, public speaker, and author of the popular diabetes book Fit With Diabetes.

View all posts by Christel Oerum

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Comments

  1. Avatarmarthae J.Mao says

    April 29, 2020 at 1:44 pm

    Hello Christiel
    Thanks for all the explanation but i cannot afford to buy Insulin mixstard 70.i.u twice per day as i had a side effect of predinisone changes my insuline and Glucocorticosterodes now with problem if you can help me Diabetes Strong

    Reply
    • Christel OerumChristel Oerum says

      April 30, 2020 at 1:39 pm

      It’s incredibly unfair that you are in that position. All I can think of is for you to try and reach out to the local Novo Nordisk office and ask about assistance programs or through charities in your area.

      Reply

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