Compounded tirzepatide

Three-month and annual plans: what prepaying really costs

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: 24 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

19 distinct cycles across 382 sellers. Only the third row is a month.

Who asks for a lump sum

36 sellers bill two months or more in a single charge. Between them they ask for $31,920 up front. The middle column is the number you are shown; the first is the number your card sees on day one.

Does prepaying actually win?

Often, yes — on price. 27 of these 36 plans come in below the $272 median of this index once restated per real month, and several of the very cheapest monthly figures on the whole site are annual plans. Good Girl Rx works out at $235 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.