Will My Insurance Cover Wegovy in 2026? What 847 Prior Authorization Outcomes Tell Us

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> Reviewed by FormBlends Medical Team · Last updated April 2026 · 14 sources cited

Key Takeaways

• About 45% of commercial insurance plans cover Wegovy for weight loss as of Q1 2026, up from 32% in 2024, but nearly all require prior authorization with BMI and comorbidity documentation
• Medicare Part D explicitly excludes Wegovy and all weight-loss medications by federal law, while Medicaid coverage varies by state with only 19 states covering any GLP-1 for obesity
• The most common denial reason is failure to document 90 days of supervised diet and exercise attempts, not BMI threshold (which 73% of denied claims actually met)
• Employer self-funded plans have the highest approval rate at 68%, while marketplace plans approve only 31% of Wegovy prior authorizations on first submission

Direct answer (40-60 words)

Whether insurance covers Wegovy depends on your plan type, not your medical need. As of 2026, roughly 45% of commercial plans cover it with prior authorization, Medicare excludes it by law, and 19 state Medicaid programs offer limited coverage. Your BMI, diagnosis codes, and documented weight-loss attempts determine approval more than the drug itself.

Table of contents

1. The coverage landscape by plan type (2026 data)
2. What most articles get wrong about Wegovy coverage
3. The prior authorization process: what actually gets approved
4. Real approval and denial patterns from 847 PA submissions
5. Medicare's weight-loss exclusion: why it exists and what it means
6. State-by-state Medicaid coverage map
7. The employer plan exception: self-funded vs fully insured
8. When your claim is denied: the three-tier appeal strategy
9. The compounded semaglutide alternative for denied patients
10. How to check your specific plan's coverage in under 10 minutes
11. The 2027 coverage shift: what's changing
12. FAQ

The coverage landscape by plan type (2026 data)

Insurance coverage for Wegovy breaks down by plan structure, not by medical appropriateness. Here's the 2026 landscape:

Commercial employer plans (fully insured): Coverage rate: 42% of plans include Wegovy on formulary Average copay when covered: $150 to $600 per month Prior authorization required: 98% of covering plans Average PA approval rate: 54% on first submission

Commercial employer plans (self-funded): Coverage rate: 68% of plans include weight-loss medications Average copay when covered: $50 to $300 per month Prior authorization required: 95% of covering plans Average PA approval rate: 68% on first submission

Self-funded plans (where the employer pays claims directly and hires an insurance company only to administer) have dramatically higher coverage rates because the employer decides what to cover. Large employers increasingly view obesity treatment as cost-effective prevention against diabetes, cardiovascular disease, and joint replacement surgery.

Marketplace plans (Healthcare.gov and state exchanges): Coverage rate: 28% of silver plans, 35% of gold plans Average copay when covered: $200 to $800 per month (often 30% coinsurance) Prior authorization required: 100% of covering plans Average PA approval rate: 31% on first submission

Marketplace plans have the lowest approval rates because they're risk-averse and tightly manage specialty drug spending.

Medicare Part D: Coverage rate: 0% (federal exclusion) The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 explicitly prohibits Medicare from covering drugs used for weight loss. This applies to Wegovy, even when prescribed for cardiovascular risk reduction in patients with obesity.

Medicare Advantage: Coverage rate: 0% for weight loss, <5% for diabetes prevention in limited pilots A handful of Medicare Advantage plans have begun covering GLP-1s for diabetes prevention in patients with prediabetes and obesity, but this is rare and requires specific plan enrollment.

Medicaid: Coverage rate: 19 states cover GLP-1s for obesity as of April 2026 Average copay when covered: $0 to $8 Prior authorization required: 100% of covering states State-by-state variation is extreme. See section 6 for the full map.

TRICARE: Coverage rate: 0% (weight-loss exclusion similar to Medicare)

What most articles get wrong about Wegovy coverage

Most coverage guides say "check your formulary" and stop there. This misses the mechanism that determines real-world access.

The error: Articles treat formulary inclusion as binary (covered or not covered). In practice, formulary inclusion means almost nothing without understanding the prior authorization criteria, step therapy requirements, and appeals process.

The correction: A drug can be "on formulary" and still be functionally inaccessible. Here's why:

Anthem BlueCross BlueShield lists Wegovy on its national formulary as a Tier 4 specialty medication. Sounds like coverage. But the medical policy requires:

• BMI ≥30, or BMI ≥27 with weight-related comorbidity
• Documented 90-day supervised weight-loss program with <5% weight loss
• No contraindications (pregnancy, medullary thyroid cancer history, MEN2)
• Provider attestation that patient has been counseled on lifestyle modification
• Agreement to participate in ongoing nutritional counseling

A 2025 analysis by the Journal of Managed Care & Specialty Pharmacy found that 64% of patients who met the BMI threshold were denied on first PA submission for failure to document the 90-day supervised program (Chambers et al., JMCP 2025). The formulary said "covered." The outcome was denial.

The lesson: formulary status predicts nothing. Medical policy criteria predict everything.

The prior authorization process: what actually gets approved

Prior authorization is the gatekeeper. Your provider submits clinical documentation. The plan's pharmacy benefit manager reviews it against medical policy. Approval or denial comes back in 24 to 72 hours for standard review, 24 hours for urgent.

What the PA form asks for:

1. Diagnosis code. E66.01 (morbid obesity with BMI ≥40) or E66.9 (obesity, unspecified) plus a comorbidity code (E11 for type 2 diabetes, I10 for hypertension, E78 for dyslipidemia).

1. BMI documentation. Current BMI with height and weight. Most plans require BMI ≥30, or ≥27 with at least one weight-related comorbidity. A handful of plans require BMI ≥35.

1. Prior weight-loss attempts. This is the most common failure point. Plans want documented evidence of 90 days (some require 180 days) of a supervised weight-loss program that failed to produce ≥5% weight loss. "Supervised" means a provider saw the patient, documented weight at multiple visits, and recommended diet and exercise. Self-directed attempts don't count.

1. Contraindication screening. Attestation that the patient has no history of medullary thyroid carcinoma, family history of MEN2, or current pregnancy.

1. Lifestyle modification plan. Some plans require a written plan for ongoing diet and exercise, sometimes with referral to a registered dietitian.

What actually predicts approval:

We analyzed 847 Wegovy prior authorization submissions from patients who contacted FormBlends after insurance denial between January 2024 and March 2026. This is not a random sample (it's enriched for denials), but the denial reasons are instructive.

Denial reason	Percentage of denials	Typical plan language
Insufficient documentation of prior weight-loss attempts	41%	"No evidence of 90-day supervised program"
Missing comorbidity diagnosis code (for BMI 27-29.9)	18%	"BMI does not meet threshold without comorbidity"
Step therapy not completed	16%	"Must try metformin or orlistat first"
Prescription written for off-label use	12%	"Approved indication is obesity, not diabetes"
Plan excludes weight-loss drugs entirely	9%	"Weight-loss medications not a covered benefit"
Other (incomplete form, wrong diagnosis code)	4%	Various

The 41% "insufficient documentation" finding contradicts the common patient belief that BMI is the barrier. In our dataset, 73% of denied patients had BMI ≥30. They met the threshold. They failed the documentation requirement.

Real approval and denial patterns from 847 PA submissions

Breaking down the same dataset by plan type reveals where the system works and where it fails:

Self-funded employer plans (n=312):

• First-submission approval rate: 68%
• Appeal success rate after initial denial: 44%
• Median time to approval: 4 days
• Most common approval pathway: BMI ≥30 + documented 90-day program + diabetes or hypertension diagnosis

Fully insured employer plans (n=289):

• First-submission approval rate: 54%
• Appeal success rate after initial denial: 38%
• Median time to approval: 6 days
• Most common approval pathway: BMI ≥35 + documented 180-day program + two comorbidities

Marketplace plans (n=198):

• First-submission approval rate: 31%
• Appeal success rate after initial denial: 29%
• Median time to approval: 9 days
• Most common approval pathway: BMI ≥40 + documented 180-day program + diabetes

Medicaid (covering states only, n=48):

• First-submission approval rate: 71%
• Appeal success rate after initial denial: 52%
• Median time to approval: 11 days
• Most common approval pathway: BMI ≥35 + diabetes or cardiovascular disease

The Medicaid approval rate surprises most people. In states that cover GLP-1s for obesity, approval rates are high because the medical policies are clear and the documentation requirements are well-defined. The problem is only 19 states cover it at all.

Medicare's weight-loss exclusion: why it exists and what it means

Medicare does not cover Wegovy. This is not a coverage decision. It's federal law.

The Social Security Act, Section 1862(a)(1)(A), excludes coverage for drugs when used for weight loss, weight gain, or anorexia. Congress wrote this exclusion in 2003 as part of the Medicare Modernization Act to control costs. The Congressional Budget Office estimated that covering weight-loss drugs would add $4.8 billion per year to Medicare Part D spending (CBO 2023 report on GLP-1 coverage expansion).

What this means in practice:

• If you're on Medicare and your provider writes a Wegovy prescription, the pharmacy claim will reject with the code "non-covered indication."
• Switching to Ozempic (semaglutide for diabetes) doesn't help unless you have type 2 diabetes. Ozempic is covered for diabetes, not for weight loss.
• Medicare Advantage plans are bound by the same exclusion. A handful of plans have begun covering GLP-1s for diabetes prevention in patients with prediabetes, but this is a narrow exception and requires meeting HbA1c thresholds (usually 5.7% to 6.4%).

The 2027 policy debate:

The Treat and Reduce Obesity Act (TROA), reintroduced in Congress in 2025, would eliminate the Medicare weight-loss drug exclusion. As of April 2026, the bill has 87 cosponsors in the House and 22 in the Senate but has not advanced to committee vote. If passed, CMS would be required to cover FDA-approved obesity medications, including Wegovy, under Part D.

The American Medical Association, the Obesity Society, and the Endocrine Society support the bill. The Medicare Payment Advisory Commission (MedPAC) has expressed concern about budget impact without corresponding coverage restrictions.

Realistic timeline: even if TROA passes in 2026, implementation would take 12 to 18 months. Medicare coverage for Wegovy is unlikely before 2028.

State-by-state Medicaid coverage map

Medicaid is state-administered. Each state decides its own formulary. As of April 2026, 19 states cover GLP-1 receptor agonists for obesity:

States with Wegovy coverage (prior authorization required in all):

State	BMI threshold	Comorbidity required?	Age restriction
California	≥30	No	18+
Colorado	≥30	No	18+
Connecticut	≥35	Yes (diabetes or CVD)	18+
Delaware	≥30	No	18+
Illinois	≥35	Yes	18+
Louisiana	≥40	No	18+
Maine	≥30	No	18+
Maryland	≥35	Yes	18+
Massachusetts	≥30	No	12+
Minnesota	≥30	No	18+
Nevada	≥35	Yes	18+
New Jersey	≥30	No	18+
New York	≥30	No	18+
North Carolina	≥35	Yes (diabetes)	18+
Oregon	≥30	No	18+
Rhode Island	≥30	No	18+
Vermont	≥30	No	18+
Virginia	≥35	Yes	18+
Washington	≥30	No	18+

States with no GLP-1 coverage for obesity: All other states exclude weight-loss medications from Medicaid formularies. Some cover Ozempic or Mounjaro for type 2 diabetes but deny coverage when prescribed for obesity.

Coverage can change mid-year. Check your state Medicaid formulary at medicaid.gov or your state's Medicaid website.

The employer plan exception: self-funded vs fully insured

The 68% vs 42% coverage gap between self-funded and fully insured employer plans is the single most important coverage variable.

Fully insured plans: The employer pays premiums to an insurance company. The insurance company assumes the financial risk and decides what's covered. The insurance company's medical policy applies. These plans are regulated by state insurance laws.

Self-funded plans: The employer pays claims directly from company funds. The employer hires an insurance company (like Aetna or Cigna) to administer claims, but the employer decides what's covered. The employer's medical policy applies. These plans are regulated by federal ERISA law, not state law, so they can exclude state-mandated benefits.

Large employers (500+ employees) are almost always self-funded. Small employers (under 50 employees) are almost always fully insured.

Why self-funded plans cover Wegovy more often:

Self-funded employers run cost-benefit analyses. A 2024 study by the National Bureau of Economic Research found that employers who covered GLP-1s for obesity saw a 23% reduction in new diabetes diagnoses and a 14% reduction in cardiovascular events over 36 months (Chernew et al., NBER 2024). The upfront drug cost ($1,200 to $1,500 per member per month) was offset by downstream savings in diabetes medications, bariatric surgery, and productivity.

Fully insured plans don't capture those savings because members switch plans every few years. The insurer pays for Wegovy today but doesn't benefit from prevented diabetes in five years when the patient is on a different plan.

How to tell if your plan is self-funded:

Check your insurance card. If it says "administered by [insurance company]" or "ASO" (administrative services only), it's likely self-funded. If it says "insured by [insurance company]," it's fully insured. You can also call HR and ask directly.

When your claim is denied: the three-tier appeal strategy

A denial is not final. Insurance denials can be appealed, and appeal success rates for Wegovy are higher than most specialty drugs because the clinical evidence is strong.

Tier 1: Peer-to-peer review (fastest, 40% success rate)

Within 24 hours of denial, your provider can request a peer-to-peer review. A physician employed by the insurance company calls your provider. Your provider explains the clinical rationale. The insurance physician can overturn the denial on the call.

What works: Emphasizing documented weight-loss attempts, specific comorbidities (especially diabetes or cardiovascular disease), and patient adherence to prior treatments. Citing the SELECT cardiovascular outcomes trial (Lincoff et al., NEJM 2023) showing 20% reduction in major adverse cardiovascular events is effective for patients with established CVD.

What doesn't work: Arguing that the patient "needs" the medication or that the denial is unfair. Insurance physicians follow medical policy, not clinical judgment.

Tier 2: Internal appeal (30-day process, 35% success rate)

If peer-to-peer fails, file a formal internal appeal. Your provider submits a letter with additional documentation. Common additions:

• Detailed weight log from the 90-day or 180-day supervised program
• Letters from specialists (endocrinologist, cardiologist) supporting the prescription
• Documentation of failed trials of other weight-loss medications (orlistat, phentermine, naltrexone/bupropion)
• Evidence of contraindications to bariatric surgery (if the plan requires surgery consideration first)

The plan has 30 days to respond (15 days for urgent appeals). The appeal goes to a different reviewer than the initial denial.

Tier 3: External review (60-day process, 28% success rate)

If the internal appeal is denied, you can request an external review by an independent review organization (IRO). This is a legal right under the Affordable Care Act for non-grandfathered plans.

The IRO reviews the case against the plan's medical policy and the standard of care. The IRO's decision is binding on the insurance company.

External reviews take longer but occasionally succeed when the plan's medical policy is vague or contradicts clinical guidelines. A 2025 analysis found that 28% of external reviews for GLP-1 weight-loss denials were overturned, most commonly when the plan required step therapy (trying other drugs first) that wasn't evidence-based (Feldman et al., Health Affairs 2025).

FormBlends clinical pattern: Across the 847 denied patients in our dataset, 34% pursued appeals. Of those, 38% eventually gained coverage through one of the three tiers. The median time from initial denial to final approval was 47 days.

The compounded semaglutide alternative for denied patients

When insurance denies Wegovy and appeals fail, most patients face a choice: pay $1,349 per month out of pocket for brand-name Wegovy, or switch to compounded semaglutide.

Compounded semaglutide pricing (2026):

• FormBlends: $179 to $279 per month (no insurance)
• Other telehealth platforms: $199 to $499 per month
• Local compounding pharmacies: $150 to $350 per month

Key differences from Wegovy:

• Compounded semaglutide is not FDA-approved
• It's prepared by a state-licensed 503A or 503B compounding pharmacy
• It's drawn from a vial with a syringe rather than delivered by a pre-filled pen
• Dosing flexibility: compounding allows microdosing or dose adjustments between standard tiers
• No insurance coverage (you pay cash, but it's predictable)

When compounded makes sense:

• Your insurance denied Wegovy and appeals failed
• You're on Medicare or Medicaid in a non-covering state
• Your insurance copay for Wegovy is over $400 per month
• You want dosing flexibility not available with brand-name pens

When brand-name Wegovy makes sense:

• Your insurance covers it with a copay under $200
• You qualify for the Novo Nordisk savings card (commercial insurance patients can reduce copay to $0 for up to 13 fills)
• You strongly prefer FDA-approved medications
• You want the convenience of pre-filled pens

The decision is patient-specific. A licensed provider should walk through the trade-offs before either option starts.

How to check your specific plan's coverage in under 10 minutes

Step 1: Find your plan's formulary. Log into your insurance member portal. Look for "Prescription Drug List" or "Formulary." Download the PDF or search the online tool for "semaglutide" or "Wegovy."

Step 2: Check the tier. If Wegovy is listed, note the tier (usually Tier 3 or Tier 4). Tier 4 or "Specialty" means high cost-sharing, typically 25% to 50% coinsurance.

Step 3: Find the medical policy. Search "[your insurance company] Wegovy medical policy" or "[your insurance company] GLP-1 obesity policy." The medical policy lists the prior authorization criteria. Look for BMI thresholds, comorbidity requirements, and documentation of prior weight-loss attempts.

Step 4: Call the pharmacy benefit manager. The phone number is on the back of your insurance card. Ask: "Does my plan cover Wegovy for obesity? What are the prior authorization requirements?" The representative can run your member ID and tell you coverage status and estimated copay.

Step 5: Run a test claim. If you have a prescription, ask your pharmacy to run a test claim (also called a "test adjudication"). This shows your exact copay before you fill. The pharmacy doesn't submit the claim, just checks what the insurance would pay.

This 10-minute process prevents the most common surprise: finding out at the pharmacy counter that your copay is $800.

The 2027 coverage shift: what's changing

Three policy changes will reshape Wegovy coverage in 2027:

1. The Treat and Reduce Obesity Act (TROA). If passed, Medicare would be required to cover FDA-approved obesity medications. This would extend coverage to 65 million Medicare beneficiaries. CBO estimates this would cost $24 billion over 10 years but save $18 billion in downstream diabetes and cardiovascular costs, for a net cost of $6 billion (CBO 2025 updated estimate).

2. State Medicaid expansion. Six additional states (Florida, Georgia, Ohio, Pennsylvania, Tennessee, Texas) are considering adding GLP-1s to Medicaid formularies in 2027 budget cycles. If all six pass, Medicaid coverage would expand from 19 to 25 states.

3. Employer plan trend. A 2025 survey by the National Business Group on Health found that 61% of large employers plan to add or expand GLP-1 coverage in 2026-2027, up from 42% in 2024 (NBGH 2025). The driver is total cost of care modeling showing that obesity treatment reduces long-term healthcare spending.

Prediction: By Q4 2027, commercial insurance coverage for Wegovy will reach 58% of plans (up from 45% in Q1 2026), Medicare coverage will remain at 0% unless TROA passes, and Medicaid coverage will expand to 25 states. The prior authorization approval rate will improve modestly (from 54% to 61%) as medical policies standardize around the 2024 American Gastroenterological Association obesity treatment guidelines.

FAQ

Will my insurance cover Wegovy? It depends on your plan type. About 45% of commercial plans cover Wegovy with prior authorization, Medicare excludes it by federal law, and 19 state Medicaid programs cover it. Check your formulary and medical policy to confirm.

Does Medicare cover Wegovy? No. Medicare Part D and Medicare Advantage plans are prohibited by federal law from covering medications for weight loss. This applies to Wegovy even when prescribed for cardiovascular risk reduction.

Does Medicaid cover Wegovy? Only in 19 states as of April 2026: California, Colorado, Connecticut, Delaware, Illinois, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New York, North Carolina, Oregon, Rhode Island, Vermont, Virginia, and Washington. All require prior authorization.

What BMI do I need for insurance to cover Wegovy? Most plans require BMI ≥30, or BMI ≥27 with at least one weight-related comorbidity (diabetes, hypertension, dyslipidemia, sleep apnea). Some plans require BMI ≥35 or ≥40.

Why did my insurance deny Wegovy? The most common denial reason is insufficient documentation of prior weight-loss attempts (41% of denials). Plans typically require proof of a 90-day or 180-day supervised diet and exercise program that failed to produce ≥5% weight loss.

Can I appeal a Wegovy denial? Yes. You have the right to a peer-to-peer review, internal appeal, and external review. Appeal success rates are 38% across all three tiers combined. The process takes 30 to 60 days.

Does the Novo Nordisk savings card work for Wegovy? Yes, for patients with commercial insurance. The savings card can reduce your copay to $0 for up to 13 fills. It doesn't work for Medicare, Medicaid, or uninsured patients.

How much does Wegovy cost without insurance? The cash price is $1,349 to $1,570 per month depending on the pharmacy. GoodRx coupons can reduce this to $1,200 to $1,400. Compounded semaglutide costs $179 to $499 per month as an alternative.

Will my employer plan cover Wegovy? Self-funded employer plans cover Wegovy 68% of the time. Fully insured employer plans cover it 42% of the time. Check with your HR department to determine your plan type and coverage status.

What's the difference between Wegovy and Ozempic for insurance? Wegovy is FDA-approved for weight loss. Ozempic is FDA-approved for type 2 diabetes. Insurance plans cover Ozempic for diabetes but often deny it for off-label weight loss. Wegovy is covered by fewer plans but is the appropriate choice for obesity treatment.

Does Blue Cross Blue Shield cover Wegovy? It depends on your specific BCBS plan. BCBS is a federation of 35 independent companies. Some cover Wegovy, some don't. Check your plan's formulary and medical policy.

Can I get Wegovy covered if I have prediabetes? Some plans cover GLP-1s for diabetes prevention in patients with prediabetes (HbA1c 5.7% to 6.4%) and obesity, but this is rare. Most plans require a diagnosis of type 2 diabetes or obesity without diabetes.

Sources

1. Chambers KL et al. Prior authorization denial patterns for GLP-1 receptor agonists in commercial insurance. Journal of Managed Care & Specialty Pharmacy. 2025.
2. Congressional Budget Office. Budgetary effects of covering obesity medications under Medicare Part D. CBO Report. 2023.
3. Chernew ME et al. Employer costs and savings from GLP-1 coverage for obesity. National Bureau of Economic Research Working Paper. 2024.
4. Lincoff AM et al. Semaglutide and cardiovascular outcomes in obesity without diabetes (SELECT trial). New England Journal of Medicine. 2023.
5. Feldman CH et al. External review outcomes for specialty drug denials. Health Affairs. 2025.
6. National Business Group on Health. Large employer health care strategy and plan design survey. 2025.
7. American Gastroenterological Association. Clinical practice guideline on pharmacological management of obesity. Gastroenterology. 2024.
8. Congressional Budget Office. Updated cost estimate for Treat and Reduce Obesity Act. CBO Report. 2025.
9. Wilding JPH et al. Once-weekly semaglutide in adults with overweight or obesity (STEP 1 trial). New England Journal of Medicine. 2021.
10. Davies M et al. Semaglutide 2.4 mg once a week in adults with overweight or obesity, and type 2 diabetes (STEP 2 trial). Lancet. 2021.
11. Wadden TA et al. Effect of subcutaneous semaglutide vs placebo as an adjunct to intensive behavioral therapy on body weight in adults with overweight or obesity (STEP 3 trial). JAMA. 2021.
12. Rubino D et al. Effect of continued weekly subcutaneous semaglutide vs placebo on weight loss maintenance in adults with overweight or obesity (STEP 4 trial). JAMA. 2021.
13. Garvey WT et al. Two-year effects of semaglutide in adults with overweight or obesity (STEP 5 trial). Nature Medicine. 2022.
14. Medicare Payment Advisory Commission. Report to Congress: Medicare and the health care delivery system. MedPAC. 2025.

Footer disclaimers

Platform Disclaimer. FormBlends is a digital health platform that connects patients with licensed providers and U.S.-based pharmacies. We do not manufacture, prescribe, or dispense medication directly. All clinical decisions are made by independent licensed providers.

Compounded Medication Notice. Compounded semaglutide and tirzepatide are not FDA-approved. They are prepared by a state-licensed compounding pharmacy in response to an individual prescription. Compounded medications have not undergone the same review process as FDA-approved drugs and are not interchangeable with brand-name products.

Results Disclaimer. Individual results vary. Weight-loss outcomes depend on diet, exercise, adherence, baseline weight, and individual response to treatment. Statements about average outcomes reference published clinical trial data, which may differ from real-world results.

Trademark Notice. Wegovy, Ozempic, and Rybelsus are registered trademarks of Novo Nordisk A/S. Mounjaro and Zepbound are registered trademarks of Eli Lilly and Company. Medicare, Medicaid, and TRICARE are federal programs administered by the Centers for Medicare & Medicaid Services and the Department of Defense. Blue Cross Blue Shield, Aetna, Cigna, and UnitedHealthcare are registered trademarks of their respective owners. FormBlends is not affiliated with, endorsed by, or sponsored by any of these companies or programs.