Tools · Prepay break-even · checked August 2026
Every prepay rung in the roster you buy 12 months at a time, with the month it catches up with paying monthly and what you have already paid for if you stop first.
33 rungs at this length. 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.
| Company and term | Break-even | Saved if you finish |
|---|---|---|
| Nu Image Medical — Injection, 12 Month SupplyMedication, compounded semaglutide. $299 × 4 months = $1,196, the first month at which paying monthly has reached the $1,188 charged on day one. $299 × 12 = $3,588 − $1,188 = $2,400 saved, and only if you use all 12 months. Stop after month 3 and you have paid $1,188 for 3 months of care worth $897 at their own monthly rate — $291 of it bought time you did not use. | Month 4 | $2,400 |
| 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 |
| Get Thin MD — 12 Months, billed annuallyMedication, compounded semaglutide. $349 × 5 months = $1,745, the first month at which paying monthly has reached the $1,578 charged on day one. $349 × 12 = $4,188 − $1,578 = $2,610 saved, and only if you use all 12 months. Stop after month 4 and you have paid $1,578 for 4 months of care worth $1,396 at their own monthly rate — $182 of it bought time you did not use. | Month 5 | $2,610 |
| Freya — Annual plan, prepaidMedication, compounded semaglutide. $297 × 6 months = $1,782, the first month at which paying monthly has reached the $1,700 charged on day one. $297 × 12 = $3,564 − $1,700 = $1,864 saved, and only if you use all 12 months. Stop after month 5 and you have paid $1,700 for 5 months of care worth $1,485 at their own monthly rate — $215 of it bought time you did not use. | Month 6 | $1,864 |
| Get Thin MD — 12 Months, billed annuallyMedication, compounded tirzepatide. $449 × 6 months = $2,694, the first month at which paying monthly has reached the $2,298 charged on day one. $449 × 12 = $5,388 − $2,298 = $3,090 saved, and only if you use all 12 months. Stop after month 5 and you have paid $2,298 for 5 months of care worth $2,245 at their own monthly rate — $53 of it bought time you did not use. | Month 6 | $3,090 |
| Ivy Rx — 12-Month SupplyMedication, compounded semaglutide. $197 × 6 months = $1,182, the first month at which paying monthly has reached the $1,164 charged on day one. $197 × 12 = $2,364 − $1,164 = $1,200 saved, and only if you use all 12 months. Stop after month 5 and you have paid $1,164 for 5 months of care worth $985 at their own monthly rate — $179 of it bought time you did not use. | Month 6 | $1,200 |
| LumiMeds — 12-Month Plan, full doseMedication, compounded semaglutide. $189 × 6 months = $1,134, the first month at which paying monthly has reached the $1,068 charged on day one. $189 × 12 = $2,268 − $1,068 = $1,200 saved, and only if you use all 12 months. Stop after month 5 and you have paid $1,068 for 5 months of care worth $945 at their own monthly rate — $123 of it bought time you did not use. | Month 6 | $1,200 |
| 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 |
| Fella Health — 12 Months in fullMedication, compounded semaglutide. $299 × 7 months = $2,093, the first month at which paying monthly has reached the $1,980 charged on day one. $299 × 12 = $3,588 − $1,980 = $1,608 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 $1,794 at their own monthly rate — $186 of it bought time you did not use. | Month 7 | $1,608 |
| 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 |
| TMates — 12 MonthsMedication, compounded tirzepatide. $297 × 7 months = $2,079, the first month at which paying monthly has reached the $1,999 charged on day one. $297 × 12 = $3,564 − $1,999 = $1,565 saved, and only if you use all 12 months. Stop after month 6 and you have paid $1,999 for 6 months of care worth $1,782 at their own monthly rate — $217 of it bought time you did not use. | Month 7 | $1,565 |
| 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 |
| Curex — 12 Month SupplyMedication, compounded semaglutide. $299 × 8 months = $2,392, the first month at which paying monthly has reached the $2,238 charged on day one. $299 × 12 = $3,588 − $2,238 = $1,350 saved, and only if you use all 12 months. Stop after month 7 and you have paid $2,238 for 7 months of care worth $2,093 at their own monthly rate — $145 of it bought time you did not use. Curex charges $199 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 | $1,350 |
| 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 |
| TMates — 12 MonthsMedication, compounded semaglutide. $249 × 8 months = $1,992, the first month at which paying monthly has reached the $1,900 charged on day one. $249 × 12 = $2,988 − $1,900 = $1,088 saved, and only if you use all 12 months. Stop after month 7 and you have paid $1,900 for 7 months of care worth $1,743 at their own monthly rate — $157 of it bought time you did not use. | Month 8 | $1,088 |
| 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 |
| Curex — 12 Month SupplyMedication, compounded tirzepatide. $399 × 9 months = $3,591, the first month at which paying monthly has reached the $3,438 charged on day one. $399 × 12 = $4,788 − $3,438 = $1,350 saved, and only if you use all 12 months. Stop after month 8 and you have paid $3,438 for 8 months of care worth $3,192 at their own monthly rate — $246 of it bought time you did not use. Curex charges $299 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 9 | $1,350 |
| 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 |
| 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 |
Every rung here comes out ahead of paying monthly, provided you finish the term.
All of them break even inside the term itself.
The other lengths: 2 months (12) · 3 months (57) · 4 months (4) · 5 months (1) · 6 months (45) · the summary and how to check a row
Ordering is the break-even month, earliest first, then company name; you can re-derive it from the rows. Every prepay rung in the roster at this length is here rather than a selection, and no single page renders more than 130 of them. Nothing on this page is a refund claim — whether any of a term is recoverable is a question for that company's own terms. Prices move; each ladder carries the month it was read, and the method is here. Who pays us.