that's not accurate. medicare isn't covering weight loss glps and insurance companies said no. benefits are locked in november for the whole year, no mid-year changes. trump negotiated pharma, not insurance.
$499 for three months from an online provider is around $166/month - the per-month math is the right comparison frame. Compounding pharmacy documentation for reimbursement varies by plan; some plans reimburse with a superbill, others won't touch compound.
Insurance denial is common enough that most people end up compounded at some point - the $150 range at established compounders is the practical comparison point when weighing the appeals cost versus just moving on.