Jardiance (empagliflozin) is an SGLT2 inhibitor approved for type 2 diabetes, heart failure, and chronic kidney disease. Insurance coverage is generally strong for all approved indications, though tier placement and prior authorization requirements vary. Jardiance was also selected for Medicare price negotiation under the Inflation Reduction Act.

Key Facts

Jardiance is covered on most commercial and Medicare formularies for diabetes, heart failure, and CKD
Typical tier placement: Tier 3 (preferred brand) or Tier 2 on plans that highly prefer SGLT2 inhibitors
Jardiance is selected for Medicare price negotiation under the IRA, with potential price reductions in 2026
Boehringer Ingelheim/Lilly offer a savings card reducing cost to as low as $10/month for eligible patients
Prior authorization may be required, especially for heart failure and CKD indications
Without insurance, Jardiance costs approximately $550 to $620 per month

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Frequently Asked Questions

Does insurance cover Jardiance for heart failure?

Most insurance plans cover Jardiance for heart failure (HFrEF and HFpEF) following its FDA approval for this indication. Prior authorization is commonly required, and your doctor will need to document the diagnosis. Some plans may require trying other heart failure medications first through step therapy protocols.

Is there a generic for Jardiance?

As of 2026, there is no generic empagliflozin available. Patent protection continues for several more years. The IRA Medicare price negotiation may help reduce costs for Medicare beneficiaries. In the meantime, manufacturer savings programs and patient assistance are available.

What if my insurance prefers a different SGLT2 inhibitor?

Some plans prefer Farxiga (dapagliflozin) or another SGLT2 inhibitor over Jardiance. If your plan requires trying the preferred alternative first, your doctor can prescribe it or request a formulary exception for Jardiance with clinical justification. All SGLT2 inhibitors have similar mechanisms but may differ in specific FDA-approved indications.

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