Compounded tirzepatide

Three-month and annual plans: what prepaying really costs

Quick answer

A four-week cycle bills 13.04 times a year, not twelve. 58 sellers here bill that way, and for 20 of them the figure they advertise is exactly what your card is charged — it still costs 8.7% more than a month, because of when it lands. Separately, 22 sellers ask for two months or more up front, 1 of them over $1,000, the largest $1,197.

The four-week charge nobody argues about

Most of what this site publishes is a gap between what a seller advertises and what it bills. This section is the opposite: 20 sellers who advertise a figure, charge exactly that figure, add nothing, and are still more expensive than the number suggests.

Twenty-eight days is not a month. A year holds 13.04 of them, so a plan advertised at $200 “a month” takes $2,609 out of your account over twelve months — $209 more than $200 × 12. Restated honestly, that plan costs $217.41 a calendar month.

⚠ That premium is the cadence alone. Where a seller also bills a different amount than it advertises, or adds a mandatory fee, the gap is larger and the cycle is not what caused it — each seller’s page splits the two apart rather than blaming the calendar for an amount.

Every billing cycle in this market

17 distinct cycles across 383 sellers. Only the third row is a month.

CycleSellersCharges a year
1 weeks7 days252.18
20 days20 days118.26
3 weeks21 days117.39
23 days23 days215.88
4 weeks28 days5813.04
1 months30 days2012.18
a calendar month30.4375 days25312.00
6 weeks42 days28.70
8 weeks56 days36.52
60 days60 days16.09
2 months60.875 days16.00
10 weeks70 days15.22
11 weeks77 days24.74
12 weeks84 days84.35
90 days90 days24.06
3 months91.3125 days64.00
6 months182.625 days12.00

Who asks for a lump sum

22 sellers bill two months or more in a single charge. Between them they ask for $13,371 up front. The middle column is the number you are shown; the first is the number your card sees on day one.

SellerCharged todayPer real monthCovers
MadeMed$1,197$3993 months
EllieMD$897$32512 weeks
Pallas Health$897$32512 weeks
WeightRx$749$1256 months
DudeMeds$747$2493 months
Joi + Blokes$747$25390 days
TRT Nation$657$2193 months
Big Easy Weight Loss$600$21712 weeks
NuuVim$599$2003 months
Bliv$599$21712 weeks
Live Vital$549$23910 weeks
CeliaRx$549$2752 months
Ryze Rx$499$1663 months
Balanced Hormone Health$499$18112 weeks
Brello Health$499$19711 weeks
HelloWellness$499$19711 weeks
Somi Health$495$1653 months
10Rx$449$15290 days
HeliMeds$447$16212 weeks
Potere Health MD$400$14512 weeks
GobyMeds$399$14512 weeks
Zeuss$398$20260 days

Does prepaying actually win?

Often, yes — on price. 18 of these 22 plans come in below the $269 median of this index once restated per real month, and several of the very cheapest monthly figures on the whole site are annual plans. MadeMed works out at $399 a month, which is a genuine discount.

What you are buying that discount with is commitment, and the arithmetic only holds if you finish the term. Tirzepatide is titrated upward over months and people stop for all sorts of reasons — side effects, a dose that stops suiting them, a change in income. A twelve-month plan abandoned at month four was not a discount.

Three questions worth asking first

  • “What is the refund if I stop halfway?” Ask for it in writing, and ask specifically whether medication already shipped is refundable — it usually is not, and that is the part that decides the answer.
  • “Does the price hold as my dose goes up?” On a long plan this matters more, not less. 107 sellers publish a starting-dose price.
  • “What renews, and when?” An annual plan that auto-renews takes the next lump before most people have decided.

To check a figure you have been quoted against a real month, use the calculator. To see the whole market ordered by real monthly cost, start at the cheapest list.