CoveredWeight

Independent coverage reference

Whether your plan covers weight loss treatment, and what it takes

Covered Weight reads the policy documents that decide whether a health plan pays for obesity treatment, and publishes what each one says with a quote from it. Which document governs your case depends on who pays your claims, so the first thing this site does is help you work that out.

4 of 51 jurisdictions are published. The rest open the document checker until their records clear the accuracy checks.

Not sure which plan you are on? That is the question that decides everything else.

Find the document that decides your coverage

Answered in your browser. Nothing you type is sent anywhere.

Source records on file for 51 of 51 jurisdictions, read through Q1 2026. Every fact names the document it came from, the section it sits in, and the date we read it. No paid placements anywhere on this site.

Start here

Start with who pays your claims

Eight kinds of plan pay for healthcare in the United States and only some of them follow rules a state sets. Pick the one on your card and this site sends you to the document that decides your case.

Most readers

A plan through workTwo kinds, and the difference decides everything. A self-funded employer plan and a fully-insured employer plan follow different documents and different law.The two kinds differ on whether state rules reach themFind out which kind you are on
A plan I bought on the marketplaceWhat decides it: your plan's evidence of coverage, on top of your state's benchmark plan.State insurance rules reach this planFind the document that decides
MedicaidWhat decides it: your state's preferred drug list and provider manual, plus your managed care plan's formulary if you have one.State insurance rules reach this planFind the document that decides
MedicareWhat decides it: your Part D plan's formulary, sitting under the federal definition of a covered Part D drug.No state insurance rule reaches this planFind the document that decides
A government employer planWhat decides it: the plan's benefit booklet, adopted by the state or local government that sponsors it.Whether state rules reach it depends on the stateFind the document that decides
TRICARE or the VAWhat decides it: the federal benefit regulation, plus the TRICARE or VA formulary.No state insurance rule reaches this planFind the document that decides
No plan right nowWhat decides it: no plan document, so price is the whole question.No state insurance rule reaches this planSee what it costs and who publishes a price

Reading the documents, jurisdiction by jurisdiction

608 sourced records across 51 jurisdictions.

4 of 51 jurisdictions are published so far. Each record on this site names the document it came from, its publisher, and the date it was read.

Benchmark records
50 of 51

Essential health benefits benchmark documents on file.

Utilization records
51 of 51

State Drug Utilization Data, Q1 2026.

  • Published. Pages are open, with every fact tied to its document.
  • Records on file, not published. The source documents are recorded and are still clearing the accuracy checks.

Open a published jurisdiction

Find which document decides your coverage

Free tools

Free coverage tools

One tool, because there is one question this site can answer about your own plan without reading your documents. It runs in your browser and sends nothing anywhere.

Start by finding out which document governs your plan

Everything else follows from it. A state program publishes its own rules. A marketplace plan is measured against a state benchmark. An employer plan that pays claims out of the employer's own funds sets its own rules, and no state rule reaches it.

Answer six questions

What it gives you

  • The document that governs your plan, named, and how to get a copy of it.
  • Whether any rule your state sets reaches that plan at all.
  • Which body hears an appeal, and the question to ask the office that answers.
  • A one-page sheet you can print and take to an appointment.

It does not predict whether your claim will be approved, and it does not compare treatments. Those are decisions for the plan that pays and for a licensed clinician who knows your history.

The distinction that decides

What your plan type means

Two plans with the same insurer name on the card can follow different law. What separates them is who bears the risk, and that decides which document a coverage question is settled by.

The governing document and the reach of state insurance rules, by plan class
If your coverage isThe document that decidesDo state insurance rules reach it
Self-funded employer planEmployer plan that pays its own claimsyour employer's plan document and Summary Plan DescriptionNo state insurance rule reaches this plan
Fully-insured employer planEmployer plan bought from an insurance companythe insurance policy and its certificate of coverage, plus your state's insurance rulesState insurance rules reach this plan
Marketplace planA plan bought on the health insurance marketplaceyour plan's evidence of coverage, on top of your state's benchmark planState insurance rules reach this plan
MedicaidMedicaid, including a Medicaid managed care planyour state's preferred drug list and provider manual, plus your managed care plan's formulary if you have oneState insurance rules reach this plan
MedicareMedicare, including a Part D drug plan or a Medicare Advantage planyour Part D plan's formulary, sitting under the federal definition of a covered Part D drugNo state insurance rule reaches this plan
TRICARE or VATRICARE or VA health carethe federal benefit regulation, plus the TRICARE or VA formularyNo state insurance rule reaches this plan
State employee planA state or local government employee health planthe plan's benefit booklet, adopted by the state or local government that sponsors itWhether state rules reach it depends on the state
No planNo health plan right nowno plan document, so price is the whole questionNo state insurance rule reaches this plan

This reads which document governs each plan class and how far state insurance rules reach it for all 51 jurisdictions. Nothing in this table says whether a treatment is covered. That is a per-document, per-jurisdiction fact and it lives on the pages that can show their sources.

Where a denial goes next is decided the same way. The appeal forum for each of these classes sits in one table with the federal rule that puts it there, because six of the eight appeal to a federal body rather than to a state insurance department.

The documents behind the reach column

The documents behind the reach columnThe 7 documents this page was read from

Articles

Latest from Covered Weight

No articles yet, and that is the order this site was built in.

The reference comes first. An article that explains a coverage rule is only worth reading if the rule behind it has been read at its source and can be quoted, so the document corpus is being built before the writing about it starts. Articles will appear here with the date they were published and the date their facts were last checked.

Two pages are worth reading before the first article lands. How we read a coverage policy sets out the document hierarchy and the status labels this site uses, and the prior authorization checklist is a working document you can print.

Method

How we read the documents

Three commitments, all of them checkable by a reader rather than asserted by us.

The document itself, never a summaryA preferred drug list, a provider manual, a benchmark plan document, a medical policy bulletin, a statute, or an agency publication. Never a summary of somebody else's summary, and never a competitor page.
A quote with every factEach record carries the document title as printed, the section the fact sits under, its effective date, and a verbatim line containing the fact. A citation with no quote cannot be checked, so it is not accepted here.
Re-verified in January and JulyFormularies and medical policies reset on those dates, so the whole corpus is read again. A fact past its review date is flagged on the page rather than left to age quietly.

Where a document is silent, the page says so and names who to ask instead of guessing. A record marked as not published carries the evidence of the search that found nothing and a route to the office that can answer, because an absence somebody looked for is a different fact from a blank cell.

Common questions

Who publishes this site?

Covered Weight is published by Amenti Labs LLC. It is not a healthcare provider, a pharmacy, an insurance company, or an insurance broker, and it is not affiliated with any health plan or with any state or federal agency.

Where do the coverage facts come from?

From the policy documents themselves: state preferred drug lists, provider manuals, benchmark plan documents, medical policy bulletins, and federal statute and agency publications. Each fact cites its document by title and section, with a quote from it and the date we read it.

Why does this site not just tell me whether I am covered?

Because it cannot know. The same insurer sells many plans, and an employer that pays claims from its own funds sets its own rules. What a published document says and what your plan pays for are two different questions, and only your plan documents answer the second one.

How does a state get published?

It opens only after its records pass every accuracy check, which includes naming the document behind each fact and quoting the line the fact came from. Records go on file well before a page opens, so the map on this page shows three states: published, records on file, and nothing recorded yet. Publishing a page before its sources clear those checks is the thing this site exists not to do.

How often is this updated?

Every fact carries the date it was read, and the whole corpus is re-verified every January and July, when formularies and medical policies reset. A fact that is past its review date is flagged rather than left to age quietly.