Eli Lilly and Co (NYSE:LLY) stock is trading higher on Thursday. The stock surge follows a major insurance milestone that substantially expands consumer access to the company's core obesity portfolio.For market context, the Nasdaq is up 0.83% while the S&P 500 has gained 0.51%.PBM Coverage Drives MomentumImplementation Timelines RevealedThe commercial rollout will occur in phases. Coverage for Lilly's once-daily oral option, Foundayo, begins on June 1 under the CVS Caremark Commercial Template.Meanwhile, broader template plan coverage for the injectable Zepbound will resume by October 1, though existing patients will face no coverage interruptions.Improving Patient Affordability"For too long, effective obesity treatment has been out of reach for the people who need it," stated Ilya Yuffa, executive vice president and president of Lilly USA, in the announcement.Under the updated commercial templates, eligible patients can acquire the medications for $25 a month, while specific Medicare Part D beneficiaries can access a $50 monthly rate via the Medicare GLP-1 Bridge program starting July 1.Critical Levels To Watch for LLY StockLLY is extended above its major moving averages, trading 13.5% above the 20-day SMA, 19.2% above the 50-day SMA, and 21% above the 200-day SMA—classic price-leading-the-trend behavior.The 20-day SMA is above the 50-day SMA (bullish), and the golden cross (50-day above 200-day) that formed in November 2025 continues to frame the longer-term uptrend.Momentum is getting stretched: RSI is 70.23.