Prescription drug costs continue to be one of the most frustrating parts of the healthcare system — and weight loss medications are one of the biggest pain points. Many of the most effective drugs on the market today come with high price tags and, in most cases, are not covered by Indiana Health Insurance plans.
In early 2026, the federal government launched TrumpRx.gov, a new website designed to help consumers access discounted prescription drug pricing. At Nefouse & Associates, we’ve received questions from Indiana residents about how this works, who it may help, and whether it applies to weight loss drugs.
Here’s what you should know.
Why Weight Loss Drugs Are Rarely Covered by Indiana Health Insurance
Most employer-sponsored health plans and ACA plans in Indiana exclude weight loss medications by contract. Even when a medication is FDA-approved and clinically effective, coverage is often denied unless the drug is prescribed specifically for diabetes or another covered condition. As a result:
- Many people pay full retail or cash pricing
- Monthly costs can reach hundreds or thousands of dollars
- Discount options are difficult to navigate
Because of these exclusions, many Indiana residents end up searching for alternative pricing options outside of Indiana Health Insurance.
What Is TrumpRx.gov?
TrumpRx.gov is a government-operated website that helps consumers find discounted prescription drug pricing, primarily through programs offered directly by pharmaceutical manufacturers. The website:
- Does not sell medications
- Does not replace insurance
- Connects consumers to available savings options when manufacturers choose to participate
Think of it as a price-discovery and comparison tool, especially useful for medications that insurance does not cover.
How TrumpRx.gov Works (Simple Explanation)
TrumpRx.gov provides discounted pricing through two main pathways, depending on the medication.
Option 1: Coupon Cards at Local Pharmacies
- For some drugs, TrumpRx.gov lists manufacturer coupon cards.
- These coupons can be used at most retail pharmacies across Indiana
- You present the coupon when filling your prescription
- This option works similarly to other prescription discount cards
- Most common for non-specialty medications
This allows patients to continue using their regular pharmacy while paying a lower cash price.
Option 2: Direct-to-Consumer or Mail Order Pricing
For many medications — especially weight loss drugs — coupon cards may not be available for use at a local pharmacy. In these cases, discounted pricing is offered through:
- The manufacturer’s own direct-to-consumer website, or
- A limited number of approved mail-order pharmacies
Some manufacturers may still provide a digital coupon, but instead of presenting it at a pharmacy counter, the coupon is often:
- Saved to a digital wallet on a smartphone, or
- Automatically applied during an online order
Medications using this option are typically shipped directly to the patient’s home. This pathway is common for:
- Weight loss medications
- Fertility medications
- Growth hormone therapy
- Certain specialty drugs
Weight Loss Medications People Are Actively Searching For
Many of today’s most effective weight loss medications fall into drug classes that are commonly excluded from Indiana Health Insurance coverage, which is why cash pricing tools get so much attention.
Commonly searched weight loss drugs include:
GLP-1 Weight Loss Medications
These are highly effective but often excluded when prescribed for weight management.
- Wegovy®
- Zepbound®
- Saxenda®
- Ozempic® (often excluded when prescribed for weight loss)
Oral Weight Loss Medications
Coverage varies, but exclusions and restrictions are common.
- Contrave®
- Qsymia®
- Phentermine
- Phendimetrazine
- Diethylpropion
Compounded or Cash-Pay Options
Some individuals explore compounded or cash-pay options when coverage is unavailable. These are typically not covered by insurance, and pricing and availability vary.
Other Medications Often Not Covered by Indiana Health Insurance
While weight loss drugs receive the most attention, TrumpRx.gov may also be helpful for other medications that are commonly excluded from Indiana health plans.
Fertility Medications
- IVF-related and injectable fertility drugs are rarely covered
- Out-of-pocket costs can be significant
- Manufacturer programs may offer limited savings
Growth Hormone Therapy
- Strict authorization requirements
- High denial rates
- Limited coverage for both children and adults
TrumpRx.gov can be helpful, but it has limitations:
- Purchases are usually cash-pay
- Insurance is typically not used
- Costs usually do not apply to deductibles or out-of-pocket maximums
- Not every drug or manufacturer participates
This makes TrumpRx.gov best used as a comparison tool, particularly for medications your plan does not cover.
Our Indiana Health Insurance Perspective at Nefouse & Associates
TrumpRx.gov will not solve prescription drug pricing on its own — but it does provide another option for Indiana residents paying out of pocket, especially for weight loss medications that fall outside traditional insurance coverage.
For some people, it may lead to meaningful savings. For others, Indiana Health Insurance coverage or pharmacy benefits will still be the better option. The key is understanding when to compare options and how each choice affects your total healthcare costs.
If you have questions about prescription exclusions, weight loss medication coverage, or how drug costs fit into your overall health plan, Nefouse & Associates is here to help you navigate the details clearly and confidently.