Plan cost math
The number on the page is not the bill
Pricing every provider on this site by hand turned up the same six things over and over. A twelve-month prepay rung advertised as a monthly rate. Four introductory weeks presented as the price. A membership billed beside the medication, so that neither figure is what you pay. Billing every 28 days, which lands 13.04 times a year. A twelve-week charge divided by three and called a monthly average. Enrollment and consult fees that appear in no monthly figure at all.
None of it is concealed. It is all published, in pieces, on different pages. Put the pieces in here and see the year.
- First twelve months
- $2,388
- $199 a month, everything in
- A steady year after that
- $2,388
- $199 a month
- What the headline implied
- $2,388
- $199 read as a month × 12
This plan costs what it says it costs — one rate, billed monthly, with nothing stacked on top. That is less common here than it should be, and it is worth noticing when you find it.
This is what the plan costs. It is not what the drug that reaches you costs — at a deliberate low dose on a flat-priced plan, most of the figure above buys drug that is never dispensed to you.
The six checks, in the order they usually bite
- Is the headline a prepay rung? The cheapest advertised figure is very often the twelve-month rate, payable in one go. Ask what month-to-month costs; on some plans there is no month-to-month at all.
- Is it an introductory rate? A number that covers the first four weeks and then more than doubles is not a plan price. The steady rate is the one to compare.
- Is a membership billed separately? Where a plan splits medication from a program fee, neither number on its own is the bill — and the two are frequently the same size.
- How often does it actually charge? Every 4 weeks is 13.04 charges a year, not 12. Every 5 weeks is 10.44. A 12-week block recurs 4.35 times, not 4.
- What is charged once? Enrollment, intake, consultation and lab fees never appear in a monthly figure and always appear on the statement.
- What can you not cancel out of? A real month-to-month rate with a three-month floor underneath it is a three-month purchase wearing a monthly label.
Every one of those is recorded, provider by provider, in our review index, where each row states what its headline figure is and what dose it buys.
Common questions
- What counts as the 'standing price'?
- The rate you will actually be charged once any introductory period is over, on the plan length you are genuinely going to be on. That is usually not the number in the headline. The advertised figure is very often the twelve-month prepaid rung, which means it is only available if you hand over a year up front — and on several plans there is no month-to-month option at that number at all. If you are not prepaying a year, the twelve-month price is not your price.
- Why does it matter whether billing is monthly or every four weeks?
- Because 28 days is not a month. A plan billed every four weeks charges 13.04 times in a year rather than 12, so the same headline figure costs about 8.6 percent more across twelve months than it looks like it does. It is never hidden — it is usually stated plainly somewhere in the terms — but it is almost never reflected in the number on the page, and nobody does the multiplication in their head.
- Is a twelve-week plan the same as three months?
- No, and the gap is the same size as the four-week one. Twelve weeks is 84 days, so it recurs about 4.35 times a year rather than 4. A provider advertising a twelve-week charge divided by three as a 'monthly average' is understating the annual cost by roughly 8.7 percent on its own published terms. Pick 'every 12 weeks' above and put in the whole block charge rather than the average, and the calculator handles it.
- Why is the first year different from later years?
- Two things only happen once. An introductory rate covers a fixed number of charges and then the standing price applies, which makes year one cheaper than the years after it. Enrollment, consultation and lab fees are paid at the start and never again, which pulls the other way. The tool reports both figures rather than choosing one for you, because the number you should compare between providers is the steady year, and the number that leaves your account this year is the first one.
- Does this tell me whether the plan is good value?
- No. It tells you what it costs, which is a different and more answerable question. What the money buys depends on how much drug you are actually dispensed, and on a plan that charges one price at every dose a deliberately low dose gets a fraction of it. That is the flat-pricing calculator's job, and the two figures stack: the plan cost here, and the share of it that buys drug that never reaches you there.
Informational only and not medical advice. This tool performs arithmetic on figures you supply and holds no pricing data of its own — it knows nothing about any specific provider, and it cannot tell you whether the terms you typed in are the terms you will be offered. Confirm every figure on the provider’s own checkout before you buy. Compounded GLP-1s are not FDA-approved and intentional microdosing is off-label and unproven.