Tools · checked August 2026
A term is only cheaper if you finish it. Every prepay rung in the roster is below, with the month it catches up with paying monthly and what you have already paid for if you stop first.
87 prepay rungs across 26 of the 51 companies we have reviewed. The comparison is always the same one: their own month-to-month rate for the same medication, against the single charge their term takes on day one.
The longest wait in the roster, drawn to scale. Every other rung in the table below is worked out the same way, in words.
Jump to a term: 2 months (1) · 3 months (38) · 6 months (24) · 12 months (24)
| Company and term | Break-even | Saved if you finish |
|---|---|---|
| Alan Health — 2-month plan under buy one, get one freeMedication, compounded semaglutide. $315 × 1 month = $315, the first month at which paying monthly has reached the $315 charged on day one. $315 × 2 = $630 − $315 = $315 saved, and only if you use all 2 months. | Month 1 | $315 |
| Company and term | Break-even | Saved if you finish |
|---|---|---|
| Gala Health — 3-month plan, 12-week supplyMedication, compounded tirzepatide. $299 × 2 months = $598, the first month at which paying monthly has reached the $597 charged on day one. $299 × 3 = $897 − $597 = $300 saved, and only if you use all 3 months. Stop after month 1 and you have paid $597 for 1 month of care worth $299 at their own monthly rate — $298 of it bought time you did not use. | Month 2 | $300 |
| GobyMeds — 3-month starter bundleMedication, compounded semaglutide. $169 × 2 months = $338, the first month at which paying monthly has reached the $299 charged on day one. $169 × 3 = $507 − $299 = $208 saved, and only if you use all 3 months. Stop after month 1 and you have paid $299 for 1 month of care worth $169 at their own monthly rate — $130 of it bought time you did not use. | Month 2 | $208 |
| GobyMeds — 3-month starter bundleMedication, compounded tirzepatide. $299 × 2 months = $598, the first month at which paying monthly has reached the $399 charged on day one. $299 × 3 = $897 − $399 = $498 saved, and only if you use all 3 months. Stop after month 1 and you have paid $399 for 1 month of care worth $299 at their own monthly rate — $100 of it bought time you did not use. | Month 2 | $498 |
| Ro — 3-month plan, prepaidMembership, membership only, no medication. $149 × 2 months = $298, the first month at which paying monthly has reached the $297 charged on day one. $149 × 3 = $447 − $297 = $150 saved, and only if you use all 3 months. Stop after month 1 and you have paid $297 for 1 month of care worth $149 at their own monthly rate — $148 of it bought time you did not use. | Month 2 | $150 |
| WeightCare — 3-month planMedication, compounded semaglutide. $399 × 2 months = $798, the first month at which paying monthly has reached the $747 charged on day one. $399 × 3 = $1,197 − $747 = $450 saved, and only if you use all 3 months. Stop after month 1 and you have paid $747 for 1 month of care worth $399 at their own monthly rate — $348 of it bought time you did not use. | Month 2 | $450 |
| Zappy Health — 3-Month Starter Pack, first-time users, paid upfrontMedication, compounded semaglutide. $249 × 2 months = $498, the first month at which paying monthly has reached the $477 charged on day one. $249 × 3 = $747 − $477 = $270 saved, and only if you use all 3 months. Stop after month 1 and you have paid $477 for 1 month of care worth $249 at their own monthly rate — $228 of it bought time you did not use. | Month 2 | $270 |
| Zealthy — Medication only, 3-month supplyMedication, compounded semaglutide. $297 × 2 months = $594, the first month at which paying monthly has reached the $453 charged on day one. $297 × 3 = $891 − $453 = $438 saved, and only if you use all 3 months. Stop after month 1 and you have paid $453 for 1 month of care worth $297 at their own monthly rate — $156 of it bought time you did not use. | Month 2 | $438 |
| Zealthy — Medication only, 3-month supplyMedication, compounded tirzepatide. $449 × 2 months = $898, the first month at which paying monthly has reached the $648 charged on day one. $449 × 3 = $1,347 − $648 = $699 saved, and only if you use all 3 months. Stop after month 1 and you have paid $648 for 1 month of care worth $449 at their own monthly rate — $199 of it bought time you did not use. | Month 2 | $699 |
| Amble — 3-month planMedication, compounded tirzepatide. $179 × 3 months = $537, the first month at which paying monthly has reached the $480 charged on day one. $179 × 3 = $537 − $480 = $57 saved, and only if you use all 3 months. Stop after month 2 and you have paid $480 for 2 months of care worth $358 at their own monthly rate — $122 of it bought time you did not use. | Month 3 | $57 |
| bmiMD — 3-month planMedication, compounded semaglutide. $159 × 3 months = $477, the first month at which paying monthly has reached the $447 charged on day one. $159 × 3 = $477 − $447 = $30 saved, and only if you use all 3 months. Stop after month 2 and you have paid $447 for 2 months of care worth $318 at their own monthly rate — $129 of it bought time you did not use. | Month 3 | $30 |
| bmiMD — 3-month planMedication, compounded tirzepatide. $249 × 3 months = $747, the first month at which paying monthly has reached the $687 charged on day one. $249 × 3 = $747 − $687 = $60 saved, and only if you use all 3 months. Stop after month 2 and you have paid $687 for 2 months of care worth $498 at their own monthly rate — $189 of it bought time you did not use. | Month 3 | $60 |
| Coby Health — Kickstart, first quarterMedication, compounded semaglutide. $159 × 3 months = $477, the first month at which paying monthly has reached the $399 charged on day one. $159 × 3 = $477 − $399 = $78 saved, and only if you use all 3 months. Stop after month 2 and you have paid $399 for 2 months of care worth $318 at their own monthly rate — $81 of it bought time you did not use. | Month 3 | $78 |
| Cora Health — Quarterly planMedication, compounded semaglutide. $175 × 3 months = $525, the first month at which paying monthly has reached the $435 charged on day one. $175 × 3 = $525 − $435 = $90 saved, and only if you use all 3 months. Stop after month 2 and you have paid $435 for 2 months of care worth $350 at their own monthly rate — $85 of it bought time you did not use. | Month 3 | $90 |
| Cora Health — Quarterly planMedication, compounded tirzepatide. $225 × 3 months = $675, the first month at which paying monthly has reached the $597 charged on day one. $225 × 3 = $675 − $597 = $78 saved, and only if you use all 3 months. Stop after month 2 and you have paid $597 for 2 months of care worth $450 at their own monthly rate — $147 of it bought time you did not use. | Month 3 | $78 |
| Effecty — 3-Month, billed every 3 monthsMedication, compounded semaglutide. $170 × 3 months = $510, the first month at which paying monthly has reached the $450 charged on day one. $170 × 3 = $510 − $450 = $60 saved, and only if you use all 3 months. Stop after month 2 and you have paid $450 for 2 months of care worth $340 at their own monthly rate — $110 of it bought time you did not use. | Month 3 | $60 |
| Effecty — 3-Month, billed every 3 monthsMedication, compounded tirzepatide. $235 × 3 months = $705, the first month at which paying monthly has reached the $630 charged on day one. $235 × 3 = $705 − $630 = $75 saved, and only if you use all 3 months. Stop after month 2 and you have paid $630 for 2 months of care worth $470 at their own monthly rate — $160 of it bought time you did not use. | Month 3 | $75 |
| FuturHealth — 3-Month Momentum PlanMedication, oral semaglutide. $298 × 3 months = $894, the first month at which paying monthly has reached the $794 charged on day one. $298 × 3 = $894 − $794 = $100 saved, and only if you use all 3 months. Stop after month 2 and you have paid $794 for 2 months of care worth $596 at their own monthly rate — $198 of it bought time you did not use. FuturHealth charges $248 for a first month and $298 after that. The crossing above is worked on the standing $298, so paying month to month actually reaches this charge one step later than the month shown. | Month 3 | $100 |
| Gala Health — 3-month plan, 12-week supplyMedication, compounded semaglutide. $249 × 3 months = $747, the first month at which paying monthly has reached the $597 charged on day one. $249 × 3 = $747 − $597 = $150 saved, and only if you use all 3 months. Stop after month 2 and you have paid $597 for 2 months of care worth $498 at their own monthly rate — $99 of it bought time you did not use. | Month 3 | $150 |
| Gimme Care — 3 monthMedication, compounded semaglutide. $160 × 3 months = $480, the first month at which paying monthly has reached the $390 charged on day one. $160 × 3 = $480 − $390 = $90 saved, and only if you use all 3 months. Stop after month 2 and you have paid $390 for 2 months of care worth $320 at their own monthly rate — $70 of it bought time you did not use. | Month 3 | $90 |
| Gimme Care — 3 monthMedication, compounded tirzepatide. $199 × 3 months = $597, the first month at which paying monthly has reached the $489 charged on day one. $199 × 3 = $597 − $489 = $108 saved, and only if you use all 3 months. Stop after month 2 and you have paid $489 for 2 months of care worth $398 at their own monthly rate — $91 of it bought time you did not use. | Month 3 | $108 |
| Good Life Meds — QuarterlyMedication, compounded tirzepatide. $297 × 3 months = $891, the first month at which paying monthly has reached the $822 charged on day one. $297 × 3 = $891 − $822 = $69 saved, and only if you use all 3 months. Stop after month 2 and you have paid $822 for 2 months of care worth $594 at their own monthly rate — $228 of it bought time you did not use. | Month 3 | $69 |
| GoodGirlRx — 3-month planMedication, compounded semaglutide. $179 × 3 months = $537, the first month at which paying monthly has reached the $477 charged on day one. $179 × 3 = $537 − $477 = $60 saved, and only if you use all 3 months. Stop after month 2 and you have paid $477 for 2 months of care worth $358 at their own monthly rate — $119 of it bought time you did not use. | Month 3 | $60 |
| GoodGirlRx — 3-month planMedication, compounded tirzepatide. $329 × 3 months = $987, the first month at which paying monthly has reached the $765 charged on day one. $329 × 3 = $987 − $765 = $222 saved, and only if you use all 3 months. Stop after month 2 and you have paid $765 for 2 months of care worth $658 at their own monthly rate — $107 of it bought time you did not use. | Month 3 | $222 |
| Green Cap Health — Silver, 3-month termMedication, compounded semaglutide. $179 × 3 months = $537, the first month at which paying monthly has reached the $447 charged on day one. $179 × 3 = $537 − $447 = $90 saved, and only if you use all 3 months. Stop after month 2 and you have paid $447 for 2 months of care worth $358 at their own monthly rate — $89 of it bought time you did not use. | Month 3 | $90 |
| Green Cap Health — Silver, 3-month termMedication, compounded tirzepatide. $279 × 3 months = $837, the first month at which paying monthly has reached the $747 charged on day one. $279 × 3 = $837 − $747 = $90 saved, and only if you use all 3 months. Stop after month 2 and you have paid $747 for 2 months of care worth $558 at their own monthly rate — $189 of it bought time you did not use. | Month 3 | $90 |
| HealthiCare — Three-Month Plan, billed every 3 monthsMedication, compounded semaglutide. $174 × 3 months = $522, the first month at which paying monthly has reached the $443.70 charged on day one. $174 × 3 = $522 − $443.70 = $78.30 saved, and only if you use all 3 months. Stop after month 2 and you have paid $443.70 for 2 months of care worth $348 at their own monthly rate — $95.70 of it bought time you did not use. | Month 3 | $78.30 |
| HealthiCare — Three-Month Plan, billed every 3 monthsMedication, compounded tirzepatide. $264 × 3 months = $792, the first month at which paying monthly has reached the $673.20 charged on day one. $264 × 3 = $792 − $673.20 = $118.80 saved, and only if you use all 3 months. Stop after month 2 and you have paid $673.20 for 2 months of care worth $528 at their own monthly rate — $145.20 of it bought time you did not use. | Month 3 | $118.80 |
| Ivy Rx — 3 MonthMedication, unspecified GLP-1. $295 × 3 months = $885, the first month at which paying monthly has reached the $780 charged on day one. $295 × 3 = $885 − $780 = $105 saved, and only if you use all 3 months. Stop after month 2 and you have paid $780 for 2 months of care worth $590 at their own monthly rate — $190 of it bought time you did not use. | Month 3 | $105 |
| MyFastRx — 3 Months, paid at onceMedication, compounded semaglutide. $139 × 3 months = $417, the first month at which paying monthly has reached the $297 charged on day one. $139 × 3 = $417 − $297 = $120 saved, and only if you use all 3 months. Stop after month 2 and you have paid $297 for 2 months of care worth $278 at their own monthly rate — $19 of it bought time you did not use. MyFastRx charges $69 for a first month and $139 after that. The crossing above is worked on the standing $139, so paying month to month actually reaches this charge one step later than the month shown. | Month 3 | $120 |
| MyFastRx — 3 Months, paid at onceMedication, compounded tirzepatide. $199 × 3 months = $597, the first month at which paying monthly has reached the $498 charged on day one. $199 × 3 = $597 − $498 = $99 saved, and only if you use all 3 months. Stop after month 2 and you have paid $498 for 2 months of care worth $398 at their own monthly rate — $100 of it bought time you did not use. MyFastRx charges $129 for a first month and $199 after that. The crossing above is worked on the standing $199, so paying month to month actually reaches this charge one step later than the month shown. | Month 3 | $99 |
| Trava — Quarterly planMedication, compounded semaglutide. $117.96 × 3 months = $353.88, the first month at which paying monthly has reached the $265.95 charged on day one. $117.96 × 3 = $353.88 − $265.95 = $87.93 saved, and only if you use all 3 months. Stop after month 2 and you have paid $265.95 for 2 months of care worth $235.92 at their own monthly rate — $30.03 of it bought time you did not use. | Month 3 | $87.93 |
| TrimRx — 3-month planMedication, compounded semaglutide. $299 × 3 months = $897, the first month at which paying monthly has reached the $628 charged on day one. $299 × 3 = $897 − $628 = $269 saved, and only if you use all 3 months. Stop after month 2 and you have paid $628 for 2 months of care worth $598 at their own monthly rate — $30 of it bought time you did not use. TrimRx charges $179 for a first month and $299 after that. The crossing above is worked on the standing $299, so paying month to month actually reaches this charge one step later than the month shown. | Month 3 | $269 |
| TrimRx — 3-month planMedication, compounded tirzepatide. $399 × 3 months = $1,197, the first month at which paying monthly has reached the $948 charged on day one. $399 × 3 = $1,197 − $948 = $249 saved, and only if you use all 3 months. Stop after month 2 and you have paid $948 for 2 months of care worth $798 at their own monthly rate — $150 of it bought time you did not use. TrimRx charges $279 for a first month and $399 after that. The crossing above is worked on the standing $399, so paying month to month actually reaches this charge one step later than the month shown. | Month 3 | $249 |
| Zappy Health — 3-Month Plan, total paid upfrontMedication, compounded semaglutide. $249 × 3 months = $747, the first month at which paying monthly has reached the $687 charged on day one. $249 × 3 = $747 − $687 = $60 saved, and only if you use all 3 months. Stop after month 2 and you have paid $687 for 2 months of care worth $498 at their own monthly rate — $189 of it bought time you did not use. | Month 3 | $60 |
| Zappy Health — 3-Month Plan, total paid upfrontMedication, compounded tirzepatide. $349 × 3 months = $1,047, the first month at which paying monthly has reached the $987 charged on day one. $349 × 3 = $1,047 − $987 = $60 saved, and only if you use all 3 months. Stop after month 2 and you have paid $987 for 2 months of care worth $698 at their own monthly rate — $289 of it bought time you did not use. | Month 3 | $60 |
| Zappy Health — 3-Month Starter Pack, first-time users, paid upfrontMedication, compounded tirzepatide. $349 × 3 months = $1,047, the first month at which paying monthly has reached the $837 charged on day one. $349 × 3 = $1,047 − $837 = $210 saved, and only if you use all 3 months. Stop after month 2 and you have paid $837 for 2 months of care worth $698 at their own monthly rate — $139 of it bought time you did not use. | Month 3 | $210 |
| Breeze Meds — 3-month planMedication, compounded semaglutide. $249 × 3 months = $747, which never reaches the $748 charged on day one. $249 × 3 = $747, which is $1 LESS than the $748 this term charges. The term costs more than paying month to month. Breeze Meds charges $199 for a first month and $249 after that. The crossing above is worked on the standing $249, so paying month to month actually reaches this charge one step later than the month shown. | Never | −$1 |
| Synergy Rx — 3-month planMedication, compounded semaglutide. $249 × 3 months = $747, which never reaches the $748 charged on day one. $249 × 3 = $747, which is $1 LESS than the $748 this term charges. The term costs more than paying month to month. Synergy Rx charges $199 for a first month and $249 after that. The crossing above is worked on the standing $249, so paying month to month actually reaches this charge one step later than the month shown. | Never | −$1 |
| Company and term | Break-even | Saved if you finish |
|---|---|---|
| FuturHealth — 6-Month Transformation PlanMedication, oral semaglutide. $298 × 4 months = $1,192, the first month at which paying monthly has reached the $1,188 charged on day one. $298 × 6 = $1,788 − $1,188 = $600 saved, and only if you use all 6 months. Stop after month 3 and you have paid $1,188 for 3 months of care worth $894 at their own monthly rate — $294 of it bought time you did not use. FuturHealth charges $248 for a first month and $298 after that. The crossing above is worked on the standing $298, so paying month to month actually reaches this charge one step later than the month shown. | Month 4 | $600 |
| MyFastRx — 6 Months, paid at onceMedication, compounded semaglutide. $139 × 4 months = $556, the first month at which paying monthly has reached the $534 charged on day one. $139 × 6 = $834 − $534 = $300 saved, and only if you use all 6 months. Stop after month 3 and you have paid $534 for 3 months of care worth $417 at their own monthly rate — $117 of it bought time you did not use. MyFastRx charges $69 for a first month and $139 after that. The crossing above is worked on the standing $139, so paying month to month actually reaches this charge one step later than the month shown. | Month 4 | $300 |
| Ro — 6-month plan, prepaidMembership, membership only, no medication. $149 × 4 months = $596, the first month at which paying monthly has reached the $534 charged on day one. $149 × 6 = $894 − $534 = $360 saved, and only if you use all 6 months. Stop after month 3 and you have paid $534 for 3 months of care worth $447 at their own monthly rate — $87 of it bought time you did not use. | Month 4 | $360 |
| TrimRx — 6-month planMedication, compounded semaglutide. $299 × 4 months = $1,196, the first month at which paying monthly has reached the $1,148 charged on day one. $299 × 6 = $1,794 − $1,148 = $646 saved, and only if you use all 6 months. Stop after month 3 and you have paid $1,148 for 3 months of care worth $897 at their own monthly rate — $251 of it bought time you did not use. TrimRx charges $179 for a first month and $299 after that. The crossing above is worked on the standing $299, so paying month to month actually reaches this charge one step later than the month shown. | Month 4 | $646 |
| WeightCare — 6-month planMedication, compounded semaglutide. $399 × 4 months = $1,596, the first month at which paying monthly has reached the $1,290 charged on day one. $399 × 6 = $2,394 − $1,290 = $1,104 saved, and only if you use all 6 months. Stop after month 3 and you have paid $1,290 for 3 months of care worth $1,197 at their own monthly rate — $93 of it bought time you did not use. | Month 4 | $1,104 |
| Amble — 6-month planMedication, compounded tirzepatide. $179 × 5 months = $895, the first month at which paying monthly has reached the $870 charged on day one. $179 × 6 = $1,074 − $870 = $204 saved, and only if you use all 6 months. Stop after month 4 and you have paid $870 for 4 months of care worth $716 at their own monthly rate — $154 of it bought time you did not use. | Month 5 | $204 |
| bmiMD — 6-month planMedication, compounded semaglutide. $159 × 5 months = $795, the first month at which paying monthly has reached the $774 charged on day one. $159 × 6 = $954 − $774 = $180 saved, and only if you use all 6 months. Stop after month 4 and you have paid $774 for 4 months of care worth $636 at their own monthly rate — $138 of it bought time you did not use. | Month 5 | $180 |
| bmiMD — 6-month planMedication, compounded tirzepatide. $249 × 5 months = $1,245, the first month at which paying monthly has reached the $1,134 charged on day one. $249 × 6 = $1,494 − $1,134 = $360 saved, and only if you use all 6 months. Stop after month 4 and you have paid $1,134 for 4 months of care worth $996 at their own monthly rate — $138 of it bought time you did not use. | Month 5 | $360 |
| Cora Health — Semi-annual planMedication, compounded semaglutide. $175 × 5 months = $875, the first month at which paying monthly has reached the $720 charged on day one. $175 × 6 = $1,050 − $720 = $330 saved, and only if you use all 6 months. Stop after month 4 and you have paid $720 for 4 months of care worth $700 at their own monthly rate — $20 of it bought time you did not use. | Month 5 | $330 |
| Cora Health — Semi-annual planMedication, compounded tirzepatide. $225 × 5 months = $1,125, the first month at which paying monthly has reached the $1,050 charged on day one. $225 × 6 = $1,350 − $1,050 = $300 saved, and only if you use all 6 months. Stop after month 4 and you have paid $1,050 for 4 months of care worth $900 at their own monthly rate — $150 of it bought time you did not use. | Month 5 | $300 |
| Effecty — 6-Month, billed every 6 monthsMedication, compounded semaglutide. $170 × 5 months = $850, the first month at which paying monthly has reached the $840 charged on day one. $170 × 6 = $1,020 − $840 = $180 saved, and only if you use all 6 months. Stop after month 4 and you have paid $840 for 4 months of care worth $680 at their own monthly rate — $160 of it bought time you did not use. | Month 5 | $180 |
| GoodGirlRx — 6-month planMedication, compounded semaglutide. $179 × 5 months = $895, the first month at which paying monthly has reached the $870 charged on day one. $179 × 6 = $1,074 − $870 = $204 saved, and only if you use all 6 months. Stop after month 4 and you have paid $870 for 4 months of care worth $716 at their own monthly rate — $154 of it bought time you did not use. | Month 5 | $204 |
| GoodGirlRx — 6-month planMedication, compounded tirzepatide. $329 × 5 months = $1,645, the first month at which paying monthly has reached the $1,488 charged on day one. $329 × 6 = $1,974 − $1,488 = $486 saved, and only if you use all 6 months. Stop after month 4 and you have paid $1,488 for 4 months of care worth $1,316 at their own monthly rate — $172 of it bought time you did not use. | Month 5 | $486 |
| Green Cap Health — Gold, 6-month termMedication, compounded semaglutide. $179 × 5 months = $895, the first month at which paying monthly has reached the $774 charged on day one. $179 × 6 = $1,074 − $774 = $300 saved, and only if you use all 6 months. Stop after month 4 and you have paid $774 for 4 months of care worth $716 at their own monthly rate — $58 of it bought time you did not use. | Month 5 | $300 |
| Green Cap Health — Gold, 6-month termMedication, compounded tirzepatide. $279 × 5 months = $1,395, the first month at which paying monthly has reached the $1,194 charged on day one. $279 × 6 = $1,674 − $1,194 = $480 saved, and only if you use all 6 months. Stop after month 4 and you have paid $1,194 for 4 months of care worth $1,116 at their own monthly rate — $78 of it bought time you did not use. | Month 5 | $480 |
| Ivy Rx — 6 MonthMedication, unspecified GLP-1. $295 × 5 months = $1,475, the first month at which paying monthly has reached the $1,350 charged on day one. $295 × 6 = $1,770 − $1,350 = $420 saved, and only if you use all 6 months. Stop after month 4 and you have paid $1,350 for 4 months of care worth $1,180 at their own monthly rate — $170 of it bought time you did not use. | Month 5 | $420 |
| MyFastRx — 6 Months, paid at onceMedication, compounded tirzepatide. $199 × 5 months = $995, the first month at which paying monthly has reached the $894 charged on day one. $199 × 6 = $1,194 − $894 = $300 saved, and only if you use all 6 months. Stop after month 4 and you have paid $894 for 4 months of care worth $796 at their own monthly rate — $98 of it bought time you did not use. MyFastRx charges $129 for a first month and $199 after that. The crossing above is worked on the standing $199, so paying month to month actually reaches this charge one step later than the month shown. | Month 5 | $300 |
| Breeze Meds — 6-month planMedication, compounded semaglutide. $249 × 6 months = $1,494, the first month at which paying monthly has reached the $1,248 charged on day one. $249 × 6 = $1,494 − $1,248 = $246 saved, and only if you use all 6 months. Stop after month 5 and you have paid $1,248 for 5 months of care worth $1,245 at their own monthly rate — $3 of it bought time you did not use. Breeze Meds charges $199 for a first month and $249 after that. The crossing above is worked on the standing $249, so paying month to month actually reaches this charge one step later than the month shown. | Month 6 | $246 |
| Coby Health — Kickstart, first six monthsMedication, compounded semaglutide. $159 × 6 months = $954, the first month at which paying monthly has reached the $930 charged on day one. $159 × 6 = $954 − $930 = $24 saved, and only if you use all 6 months. Stop after month 5 and you have paid $930 for 5 months of care worth $795 at their own monthly rate — $135 of it bought time you did not use. | Month 6 | $24 |
| Effecty — 6-Month, billed every 6 monthsMedication, compounded tirzepatide. $235 × 6 months = $1,410, the first month at which paying monthly has reached the $1,200 charged on day one. $235 × 6 = $1,410 − $1,200 = $210 saved, and only if you use all 6 months. Stop after month 5 and you have paid $1,200 for 5 months of care worth $1,175 at their own monthly rate — $25 of it bought time you did not use. | Month 6 | $210 |
| Good Life Meds — 6-month supplyMedication, compounded tirzepatide. $297 × 6 months = $1,782, the first month at which paying monthly has reached the $1,494 charged on day one. $297 × 6 = $1,782 − $1,494 = $288 saved, and only if you use all 6 months. Stop after month 5 and you have paid $1,494 for 5 months of care worth $1,485 at their own monthly rate — $9 of it bought time you did not use. | Month 6 | $288 |
| Synergy Rx — 6-month planMedication, compounded semaglutide. $249 × 6 months = $1,494, the first month at which paying monthly has reached the $1,248 charged on day one. $249 × 6 = $1,494 − $1,248 = $246 saved, and only if you use all 6 months. Stop after month 5 and you have paid $1,248 for 5 months of care worth $1,245 at their own monthly rate — $3 of it bought time you did not use. Synergy Rx charges $199 for a first month and $249 after that. The crossing above is worked on the standing $249, so paying month to month actually reaches this charge one step later than the month shown. | Month 6 | $246 |
| Zappy Health — 6-Month Plan, total paid upfrontMedication, compounded semaglutide. $249 × 6 months = $1,494, the first month at which paying monthly has reached the $1,254 charged on day one. $249 × 6 = $1,494 − $1,254 = $240 saved, and only if you use all 6 months. Stop after month 5 and you have paid $1,254 for 5 months of care worth $1,245 at their own monthly rate — $9 of it bought time you did not use. | Month 6 | $240 |
| Zappy Health — 6-Month Plan, total paid upfrontMedication, compounded tirzepatide. $349 × 6 months = $2,094, the first month at which paying monthly has reached the $1,794 charged on day one. $349 × 6 = $2,094 − $1,794 = $300 saved, and only if you use all 6 months. Stop after month 5 and you have paid $1,794 for 5 months of care worth $1,745 at their own monthly rate — $49 of it bought time you did not use. | Month 6 | $300 |
| Company and term | Break-even | Saved if you finish |
|---|---|---|
| Found — 12-month plan paid up front, with insuranceMedication, compounded semaglutide. $289 × 5 months = $1,445, the first month at which paying monthly has reached the $1,188 charged on day one. $289 × 12 = $3,468 − $1,188 = $2,280 saved, and only if you use all 12 months. Stop after month 4 and you have paid $1,188 for 4 months of care worth $1,156 at their own monthly rate — $32 of it bought time you did not use. | Month 5 | $2,280 |
| Found — 12-month plan paid up front, with insuranceMedication, compounded tirzepatide. $289 × 5 months = $1,445, the first month at which paying monthly has reached the $1,188 charged on day one. $289 × 12 = $3,468 − $1,188 = $2,280 saved, and only if you use all 12 months. Stop after month 4 and you have paid $1,188 for 4 months of care worth $1,156 at their own monthly rate — $32 of it bought time you did not use. | Month 5 | $2,280 |
| Ro — 12-month plan, prepaid annuallyMembership, membership only, no medication. $149 × 6 months = $894, the first month at which paying monthly has reached the $888 charged on day one. $149 × 12 = $1,788 − $888 = $900 saved, and only if you use all 12 months. Stop after month 5 and you have paid $888 for 5 months of care worth $745 at their own monthly rate — $143 of it bought time you did not use. | Month 6 | $900 |
| Cora Health — Annual planMedication, compounded semaglutide. $175 × 7 months = $1,225, the first month at which paying monthly has reached the $1,188 charged on day one. $175 × 12 = $2,100 − $1,188 = $912 saved, and only if you use all 12 months. Stop after month 6 and you have paid $1,188 for 6 months of care worth $1,050 at their own monthly rate — $138 of it bought time you did not use. | Month 7 | $912 |
| Ivy Rx — 12 MonthMedication, unspecified GLP-1. $295 × 7 months = $2,065, the first month at which paying monthly has reached the $1,980 charged on day one. $295 × 12 = $3,540 − $1,980 = $1,560 saved, and only if you use all 12 months. Stop after month 6 and you have paid $1,980 for 6 months of care worth $1,770 at their own monthly rate — $210 of it bought time you did not use. | Month 7 | $1,560 |
| MyFastRx — 12 Months, paid at onceMedication, compounded semaglutide. $139 × 7 months = $973, the first month at which paying monthly has reached the $948 charged on day one. $139 × 12 = $1,668 − $948 = $720 saved, and only if you use all 12 months. Stop after month 6 and you have paid $948 for 6 months of care worth $834 at their own monthly rate — $114 of it bought time you did not use. MyFastRx charges $69 for a first month and $139 after that. The crossing above is worked on the standing $139, so paying month to month actually reaches this charge one step later than the month shown. | Month 7 | $720 |
| Cora Health — Annual planMedication, compounded tirzepatide. $225 × 8 months = $1,800, the first month at which paying monthly has reached the $1,620 charged on day one. $225 × 12 = $2,700 − $1,620 = $1,080 saved, and only if you use all 12 months. Stop after month 7 and you have paid $1,620 for 7 months of care worth $1,575 at their own monthly rate — $45 of it bought time you did not use. | Month 8 | $1,080 |
| Found — 12-month plan paid up front, cash payMedication, compounded semaglutide. $289 × 8 months = $2,312, the first month at which paying monthly has reached the $2,028 charged on day one. $289 × 12 = $3,468 − $2,028 = $1,440 saved, and only if you use all 12 months. Stop after month 7 and you have paid $2,028 for 7 months of care worth $2,023 at their own monthly rate — $5 of it bought time you did not use. | Month 8 | $1,440 |
| Found — 12-month plan paid up front, cash payMedication, compounded tirzepatide. $289 × 8 months = $2,312, the first month at which paying monthly has reached the $2,028 charged on day one. $289 × 12 = $3,468 − $2,028 = $1,440 saved, and only if you use all 12 months. Stop after month 7 and you have paid $2,028 for 7 months of care worth $2,023 at their own monthly rate — $5 of it bought time you did not use. | Month 8 | $1,440 |
| Fridays — Annual plan, paid annually and delivered monthlyMedication, compounded semaglutide. $249 × 8 months = $1,992, the first month at which paying monthly has reached the $1,800 charged on day one. $249 × 12 = $2,988 − $1,800 = $1,188 saved, and only if you use all 12 months. Stop after month 7 and you have paid $1,800 for 7 months of care worth $1,743 at their own monthly rate — $57 of it bought time you did not use. | Month 8 | $1,188 |
| Gala Health — 12-month plan, 48-week supplyMedication, compounded tirzepatide. $299 × 8 months = $2,392, the first month at which paying monthly has reached the $2,148 charged on day one. $299 × 12 = $3,588 − $2,148 = $1,440 saved, and only if you use all 12 months. Stop after month 7 and you have paid $2,148 for 7 months of care worth $2,093 at their own monthly rate — $55 of it bought time you did not use. | Month 8 | $1,440 |
| MyFastRx — 12 Months, paid at onceMedication, compounded tirzepatide. $199 × 8 months = $1,592, the first month at which paying monthly has reached the $1,488 charged on day one. $199 × 12 = $2,388 − $1,488 = $900 saved, and only if you use all 12 months. Stop after month 7 and you have paid $1,488 for 7 months of care worth $1,393 at their own monthly rate — $95 of it bought time you did not use. MyFastRx charges $129 for a first month and $199 after that. The crossing above is worked on the standing $199, so paying month to month actually reaches this charge one step later than the month shown. | Month 8 | $900 |
| TrimRx — 12-month planMedication, compounded semaglutide. $299 × 8 months = $2,392, the first month at which paying monthly has reached the $2,098 charged on day one. $299 × 12 = $3,588 − $2,098 = $1,490 saved, and only if you use all 12 months. Stop after month 7 and you have paid $2,098 for 7 months of care worth $2,093 at their own monthly rate — $5 of it bought time you did not use. TrimRx charges $179 for a first month and $299 after that. The crossing above is worked on the standing $299, so paying month to month actually reaches this charge one step later than the month shown. | Month 8 | $1,490 |
| bmiMD — 12-month planMedication, compounded semaglutide. $159 × 9 months = $1,431, the first month at which paying monthly has reached the $1,428 charged on day one. $159 × 12 = $1,908 − $1,428 = $480 saved, and only if you use all 12 months. Stop after month 8 and you have paid $1,428 for 8 months of care worth $1,272 at their own monthly rate — $156 of it bought time you did not use. | Month 9 | $480 |
| bmiMD — 12-month planMedication, compounded tirzepatide. $249 × 9 months = $2,241, the first month at which paying monthly has reached the $2,148 charged on day one. $249 × 12 = $2,988 − $2,148 = $840 saved, and only if you use all 12 months. Stop after month 8 and you have paid $2,148 for 8 months of care worth $1,992 at their own monthly rate — $156 of it bought time you did not use. | Month 9 | $840 |
| Fridays — Annual plan, paid annually and delivered monthlyMedication, compounded tirzepatide. $359 × 9 months = $3,231, the first month at which paying monthly has reached the $2,880 charged on day one. $359 × 12 = $4,308 − $2,880 = $1,428 saved, and only if you use all 12 months. Stop after month 8 and you have paid $2,880 for 8 months of care worth $2,872 at their own monthly rate — $8 of it bought time you did not use. | Month 9 | $1,428 |
| Gala Health — 12-month plan, 48-week supplyMedication, compounded semaglutide. $249 × 9 months = $2,241, the first month at which paying monthly has reached the $2,148 charged on day one. $249 × 12 = $2,988 − $2,148 = $840 saved, and only if you use all 12 months. Stop after month 8 and you have paid $2,148 for 8 months of care worth $1,992 at their own monthly rate — $156 of it bought time you did not use. | Month 9 | $840 |
| GoodGirlRx — 12-month planMedication, compounded semaglutide. $179 × 9 months = $1,611, the first month at which paying monthly has reached the $1,608 charged on day one. $179 × 12 = $2,148 − $1,608 = $540 saved, and only if you use all 12 months. Stop after month 8 and you have paid $1,608 for 8 months of care worth $1,432 at their own monthly rate — $176 of it bought time you did not use. | Month 9 | $540 |
| GoodGirlRx — 12-month planMedication, compounded tirzepatide. $329 × 9 months = $2,961, the first month at which paying monthly has reached the $2,820 charged on day one. $329 × 12 = $3,948 − $2,820 = $1,128 saved, and only if you use all 12 months. Stop after month 8 and you have paid $2,820 for 8 months of care worth $2,632 at their own monthly rate — $188 of it bought time you did not use. | Month 9 | $1,128 |
| Amble — 12-month planMedication, compounded tirzepatide. $179 × 10 months = $1,790, the first month at which paying monthly has reached the $1,620 charged on day one. $179 × 12 = $2,148 − $1,620 = $528 saved, and only if you use all 12 months. Stop after month 9 and you have paid $1,620 for 9 months of care worth $1,611 at their own monthly rate — $9 of it bought time you did not use. | Month 10 | $528 |
| Breeze Meds — 12-month planMedication, compounded semaglutide. $249 × 10 months = $2,490, the first month at which paying monthly has reached the $2,298 charged on day one. $249 × 12 = $2,988 − $2,298 = $690 saved, and only if you use all 12 months. Stop after month 9 and you have paid $2,298 for 9 months of care worth $2,241 at their own monthly rate — $57 of it bought time you did not use. Breeze Meds charges $199 for a first month and $249 after that. The crossing above is worked on the standing $249, so paying month to month actually reaches this charge one step later than the month shown. | Month 10 | $690 |
| Effecty — 12-Month, billed yearlyMedication, compounded semaglutide. $170 × 10 months = $1,700, the first month at which paying monthly has reached the $1,560 charged on day one. $170 × 12 = $2,040 − $1,560 = $480 saved, and only if you use all 12 months. Stop after month 9 and you have paid $1,560 for 9 months of care worth $1,530 at their own monthly rate — $30 of it bought time you did not use. | Month 10 | $480 |
| Effecty — 12-Month, billed yearlyMedication, compounded tirzepatide. $235 × 10 months = $2,350, the first month at which paying monthly has reached the $2,280 charged on day one. $235 × 12 = $2,820 − $2,280 = $540 saved, and only if you use all 12 months. Stop after month 9 and you have paid $2,280 for 9 months of care worth $2,115 at their own monthly rate — $165 of it bought time you did not use. | Month 10 | $540 |
| Synergy Rx — 12-month planMedication, compounded semaglutide. $249 × 10 months = $2,490, the first month at which paying monthly has reached the $2,298 charged on day one. $249 × 12 = $2,988 − $2,298 = $690 saved, and only if you use all 12 months. Stop after month 9 and you have paid $2,298 for 9 months of care worth $2,241 at their own monthly rate — $57 of it bought time you did not use. Synergy Rx charges $199 for a first month and $249 after that. The crossing above is worked on the standing $249, so paying month to month actually reaches this charge one step later than the month shown. | Month 10 | $690 |
2 of the 87 rungs here cost the same or more than paying month to month for the same number of months: Breeze Meds (3-month plan), Synergy Rx (3-month plan). A term is usually a discount. It is not automatically one, and these are the ones that are not.
2 of the 87 never break even inside their own term, and 35 do not break even until the last month of it or later — which means the discount only exists for someone who was always going to stay the whole way. That is the thing a prepay price is designed not to say out loud.
Ordering inside each section is the break-even month, earliest first, then company name; you can re-derive it from the rows. This page carries every prepay rung in the roster rather than a selection, and stops being one page at 130 rungs, at which point it gets pagination. Prices move; each ladder carries the month it was read, and the method is here. Who pays us.
The same question written out at length is in does a 12-month prepay actually save money. What one month costs is on what will I actually pay; what a year costs is on the twelve-month projection; one plan itemized is on the real cost calculator; the advertised figure against the bill is on advertised against actual. Companies that ask for no commitment at all are on the no-prepay board.