Does Fridays Take FSA/HSA? Yes — Here's What to Check First

Disclosure: We may earn a commission if you start a Fridays plan through our links. It doesn't change what you pay, and it didn't change what we found. Every major claim below links to the page we found it on.

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Does Fridays take FSA/HSA? Yes. Fridays takes HSA and FSA cards at checkout for prescription payments, including prescribed weight-loss medication. Two things change that answer. Fridays does not allow split payments, so one card has to cover the whole charge — and on a prepaid plan, that charge is the entire plan, not one month. And HSA and FSA do not work the same way: an FSA claim is checked by the plan, while an HSA owner generally keeps the records and proves the expense if asked.

Both are easy to handle. But only if you handle them before you click pay.

Here's the part almost nobody tells you: a 12-month compounded tirzepatide plan at Fridays is $2,880 charged in one hit — about 85% of the 2026 employee health FSA salary-reduction limit. If your card cannot clear the full amount, Fridays won't take what's there and bill the rest. The whole thing just fails.

The medication is also only one part of Fridays' bundled price. Prescribed medicine, coaching, nutrition help, fitness access, and meals do not all follow the same tax rule.

That's fixable in about ninety seconds. Let's walk it.

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Who this page is for

Fridays is likely a good HSA/FSA fit if:

• One HSA or FSA card can cover the full amount charged today
• You want a prescribed medication and understand that bundled extras may need separate review
• You're comfortable paying cash for Fridays' virtual program
• You've checked what receipt or provider letter your plan wants

Slow down before you pay if:

• You need to split the charge across two cards — Fridays won't
• Your HSA balance or available FSA amount is smaller than the upfront total
• You have a limited-purpose FSA that mainly covers dental and vision care
• You need your health insurer to pay Fridays' virtual visits directly
• Your plan requires a medical-necessity letter and you haven't confirmed who writes it
• You haven't looked at the renewal date or the refund rule

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The 30-second version

Five checks before you enter the card

1. Exact charge today: Ignore the monthly equivalent. Find the full amount charged now.
2. One-card test: Make sure one card can cover all of it. Fridays will not split the payment.
3. Account test: Know whether you have an HSA, a standard health FSA, or a limited-purpose FSA.
4. Paperwork test: Ask whether you need a receipt, a provider letter, or both.
5. Plan-year test: If an FSA prepayment buys care next year, ask when your plan treats the expense as incurred.

The RX Index is the independent GLP-1 decision resource that scores telehealth providers and treatment paths on clinical legitimacy, care quality, transparency, access, and cost, so readers can choose the path that fits their situation.

➡️ See Fridays' current plans and checkout prices → (affiliate link)

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The right GLP-1 provider isn't the same for everyone — it depends on your state, your insurance and formulary, whether you want an FDA-approved or compounded medication, your preferred treatment path, and your budget. Because a general answer can't resolve those for you, use The RX Index's Find My GLP-1 Path tool to get a personalized provider match with source-verified pricing before you choose.

Still deciding whether Fridays is the right program at all? Read our full Fridays GLP-1 review first — it covers pricing, complaints, and the company's record. This page assumes you've already picked Fridays and just need the payment part sorted.

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Does Fridays take FSA/HSA at checkout?

Yes. Fridays' support center states that both HSA and FSA cards can be used for prescription payments, including prescribed weight-loss medications, and its payment-method page lists HSA/FSA alongside credit cards, debit cards, Apple Pay, and Klarna. Fridays does not accept Affirm or Afterpay. One payment method must cover the entire transaction.

You have two ways to use the money. Both are legitimate. The rules are not identical.

Path A — put the card in at checkout. You enter your HSA or FSA card as the only payment method. Money moves straight from the account. Simplest, when the amount available to that card covers it.

Path B — pay with a regular card, then request reimbursement. With an HSA, you can reimburse yourself later for a qualified expense incurred after the HSA was established, as long as you keep the records. With an FSA, you file a claim and the plan must approve it under its rules and deadline. Paying personally does not create more FSA money.

Most people can use Path A. Read the next section before you decide.

HSA and FSA are not the same account

The IRS HSA guide says HSA owners must keep records showing that distributions paid or reimbursed qualified medical expenses, were not reimbursed elsewhere, and were not also deducted. Health FSA rules require third-party substantiation before reimbursement.

Why Fridays' own pages sound like they disagree

If you searched this question and got confused, that's not you. Fridays says it five different ways across five of its own pages. We read all of them on August 28, 2026. Here's what each one actually means.

None of these are lies. They're written by different teams for different purposes. But together they're the reason you're on your fourth search — so we went and read all five.

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How much does Fridays charge your HSA or FSA card?

Fridays' current compounded-pricing help page says every plan longer than one month is paid in full upfront. A 12-month compounded semaglutide plan is a single $1,800 charge; a 12-month compounded tirzepatide plan is a single $2,880 charge. Because Fridays does not allow split payments, one card has to cover the entire amount.

This is the number that decides whether direct checkout works for you. Not the monthly price. The monthly price is just the total divided up.

The 2026 employee health FSA salary-reduction limit is $3,400. That is not always the exact amount available to your card. Employer contributions and a permitted carryover can add money, while earlier claims reduce what remains. The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up contribution at age 55 or older. An HSA can also hold money carried over from earlier years, so your real HSA balance — not this year's contribution limit — controls checkout.

Standard compounded-plan totals

Brand-name figures Fridays currently shows

Standard compounded totals come from Fridays' help center. Brand-name figures come from Fridays' live pricing page. Verified August 28, 2026.

Fridays runs promotions, and the live pricing page was showing lower summer promo figures alongside the standard prices when we checked. So the table above is the stable public baseline, not a promise of today's promo. The checkout's “amount charged today” is the number that wins.

If the number is bigger than what the card can clear, don't fight it. You have clean options:

1. Pick a shorter plan. The standard month-to-month compounded prices are $249 or $359.
2. For an HSA, pay with a regular card and reimburse yourself later. The expense must be qualified, must have happened after the HSA was established, and you must keep the records.
3. For an FSA, pay with a regular card and file a claim. This only works if the plan covers the expense, the care was incurred during coverage, and you file on time.
4. Check the account type. A standard health FSA generally makes the full annual election available during coverage. A limited-purpose FSA may not cover this at all.

One more timing note if you're on an FSA. FSA expenses are incurred when the medical care is provided — not just when you pay. Fridays describes annual plans as paid annually and delivered monthly. So a December prepayment can buy care delivered in the next plan year. That's a question for your administrator, not for us. It's one phone call and it beats a denied claim in February.

➡️ Check the current Fridays price and amount due today → (affiliate link)

Look at the amount charged today, not the monthly equivalent, before you enter a benefits card.

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Will my HSA or FSA reimburse Fridays?

Fridays accepting the card and every dollar in the bundle qualifying are two separate questions. IRS Publication 502 says amounts paid for prescribed medicines can be medical expenses. Its separate diagnosed-disease rule applies to weight-loss program fees and related extras such as group membership, nutrition, fitness, and food.

We call this the three-layer checkout test. Every HSA/FSA purchase has to clear all three. Most pages only cover the first one.

Layer 1 — Will Fridays run the card? Yes, for prescription payments. One payment method, full amount. Covered above.

Layer 2 — How does your account handle proof? An FSA plan must substantiate the claim. An HSA owner generally keeps the records and reports distributions. A charge going through is not a ruling, and a request for a receipt is not a denial.

Layer 3 — What did the bundle actually buy? The prescribed medicine is the cleanest line. Clinical care, coaching, nutrition, fitness, meals, and merchandise do not all get the same answer.

The decision map Fridays' marketing does not show you

Fridays also publishes two different clinical entry floors. Its pricing page says a BMI of 20 or higher to get started. Its main FAQ says adults with a BMI of 25 or higher may be eligible. Both were live on August 28, 2026.

That gap matters for treatment screening, but neither BMI number is an HSA or FSA tax ruling. A licensed provider decides whether to prescribe. Your account rules decide how the expense is handled.

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What paperwork does Fridays provide for HSA/FSA?

Fridays says it can provide an itemized receipt on request, and that weight-loss prescriptions might require a provider letter stating medical necessity depending on the plan. Fridays does not publicly promise to complete every administrator's special form, so confirm that before paying if your claim depends on it.

Two documents come up. They do different jobs.

An itemized receipt proves what you bought. A card slip alone may not show enough. Fridays' receipt article says the receipt may include your name, the provider or merchant name, the date of service, the type of service, the cost, and prescription details.

Note the word “may.” Not “will.” So ask for exactly what you need.

A letter of medical necessity (LMN) is a provider letter that explains the medical reason for the expense. Not everyone needs one. Fridays says the requirement depends on the plan.

Here's the honest boundary: an LMN documents the medical reason. It does not guarantee an FSA claim, turn a general wellness extra into prescribed medicine, or make a compounded drug FDA-approved. Plenty of pages online tell you to “just get an LMN” as if it's a magic key. It isn't.

Copy this and send it

Email support\@joinfridays.com or use the patient portal:

“Please send an itemized receipt for my HSA/FSA records. My plan requires my full name, the provider or merchant name, the date of service, a description of the service or prescription, and the amount paid. Please include prescription details and separate medication from clinical or wellness services if available. Also, please confirm which merchant name my charge will appear under on my statement.”

And before you pay, call your FSA administrator with this:

“I'm considering a prescribed weight-loss treatment through a telehealth provider. The provider accepts my FSA card and can issue an itemized receipt. Before I pay, can you tell me whether this expense is covered by my plan, whether you require a letter of medical necessity, and whether a prepaid multi-month plan is handled differently when care crosses plan years?”

For an HSA, keep the prescription, receipt, proof of payment, and any provider letter with your tax records. The IRS says not to send those records with your return. Keep them in case you need them later.

Two minutes. Saves months of back-and-forth.

The one thing Fridays doesn't make easy

Fridays' public help article does not promise an automatic receipt with every field your plan may want. It tells customers to request one, and it says the receipt may contain the common fields.

Fridays sells one bundled price that can include medication, provider visits, dietitian support, group coaching, mental-health and movement sessions, and its fitness app — with, in its own words, “no membership fees, no sign up fees, no lab fees.”

That makes the checkout simple and the tax paperwork less tidy. That's the trade. We just wrote the request for you, up there, so it takes ninety seconds.

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Why was my Fridays HSA or FSA card declined?

A decline does not tell you whether the expense qualifies. Check the full-charge amount, the account type, merchant processing, and paperwork in that order. Fridays will not split the payment.

You are not the only person whose benefits card got declined at a place that said it takes benefits cards. The useful move is not to guess. Match the decline to the row above and fix that exact problem.

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Is the whole Fridays plan HSA/FSA eligible?

Do not assume the whole flat price gets one tax answer. Fridays bundles medication, provider care, nutrition help, coaching, fitness access, and optional meals. IRS rules treat those pieces differently. Ask for a receipt that separates medication and clinical care from wellness extras when possible.

We're not going to tell you the whole bundled price is automatically eligible, because that isn't established and nobody can honestly say it is. What we can tell you is what to do about it: ask for the receipt to break out medication and clinical services as separate lines. If your plan ever asks questions, that receipt gives you a clean place to start.

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What name appears on the Fridays charge?

The charge may appear under one of three names in Fridays' own documents: “OpenLoop Healthcare Partners PC,” “Thrive Health Group,” or “OPNLP FRIDAYS.” One of them does say FRIDAYS. Save the receipt and the statement together so a name mismatch does not slow an FSA claim.

This is small, but it can stall a claim. Your administrator sees a name that does not match the website name, then asks for more proof.

For the record: Fridays' site footer names Thrive Health, Inc. as the operating company. Its Terms name Thrive Health Group Inc. Clinical services are provided by OpenLoop Healthcare Partners, PC and other networks. All three names appear in Fridays' public documents. Screenshot your statement after the first charge.

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Can I cancel Fridays or get an HSA/FSA refund?

Fridays' Terms say the subscription and first charge begin when you complete enrollment and submit your medical intake for provider review. Cancellation must arrive at least 72 hours before the next billing date to stop the next cycle. Outside a short list of exceptions, fees are non-refundable.

Read that first sentence again, because it matters more for benefits money than for a regular card. The charge can happen before a licensed provider decides whether to prescribe. Fridays also says it will issue a full refund if a provider determines you are ineligible for treatment.

The wording is not clean. The Terms say a full refund applies when medical disqualification happens “before services begin,” while the same section says subscription services begin when the intake is submitted. Save the terms and the checkout screen you agreed to.

What the Terms say (last updated March 23, 2026):

• Cancel at least 72 hours before your next billing date, by email or through the account process if available.
• Refunds are limited to medical disqualification before services begin, verified billing errors, refunds required by law, and credit toward a different Fridays program.
• Prescription medications cannot be returned once dispensed or shipped, except where law requires it.
• Damaged or incorrect shipments must be reported within 24 hours, and the stated standard fix is replacement.
• One exit most people miss: if Fridays changes its Terms and you reject the update under the stated termination process, Section 3 says you can request a pro-rated refund for the unused part of prepaid subscription fees.

If Fridays refunds money from your HSA or FSA

Ask for the refund to go back to the original payment method. Do not spend a refund that lands in the wrong place until you know how the account will treat it.

For an HSA, a distribution that is not used for a qualified medical expense can be taxable and may face an extra 20% tax. IRS guidance allows a limited process for returning some mistaken HSA distributions, but the custodian is not required to accept every return. Call the custodian first and keep the records.

For an FSA, ask the plan how it handles a reversed or refunded claim so your available balance and substantiation record are corrected.

➡️ See Fridays' current plan lengths and checkout terms → (affiliate link)

Set a calendar reminder for four days before your renewal date the moment you sign up.

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Is using HSA/FSA at Fridays the same as insurance?

No. Fridays says insurance does not cover its virtual visits. Its pricing page also says the care team may help with medication coverage and that brand-name medication cost depends on insurance. An HSA or FSA is still your tax-advantaged money; it does not turn the virtual program into an insurance claim.

If what you really want is for insurance to cover an FDA-approved GLP-1, solve that question before you spend HSA or FSA money. Ro offers a free coverage check for the Ozempic® pen, Wegovy® pen, and Zepbound® pen. Ro says an insurance specialist contacts the insurer and sends you a report that shows coverage and prior-authorization rules. The check does not request treatment or write a prescription.

Ro's membership is $39 for the first month, then $74 to $149 per month depending on the plan. The $74 rate requires a prepaid annual plan. Medication is billed separately.

➡️ Run Ro's free GLP-1 insurance coverage check → (affiliate link)

The coverage report is free. If insurance covers the medicine, that can save more than the tax break alone.

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Does HSA/FSA acceptance mean Fridays medication is FDA-approved?

No. These are separate questions answered by separate rules. FDA says compounded drugs are not FDA-approved, and FDA does not verify their safety, effectiveness, or quality before they are marketed. A payment method has no bearing on regulatory status.

Fridays says this itself in its site footer: compounded medications offered through Fridays are produced in FDA-registered facilities but are not FDA-approved and have not been evaluated by FDA for safety, efficacy, or quality.

FDA registration is not FDA approval. That's a real and important difference from an FDA-approved product such as Ozempic®, Zepbound®, or Wegovy®.

It is not the same thing as HSA or FSA eligibility. IRS rules cover qualified medical expenses. FDA rules cover drug approval and compounding. One answer does not prove the other.

Fridays names four partner pharmacies in its Terms: RedRock Pharmacy in St. George, Utah; Health Warehouse in Florence, Kentucky; Precision Medicine in Bellmore, New York; and Triad Rx in Daphne, Alabama. Those names are useful for your receipt and prescription records. They do not turn a compounded medication into an FDA-approved drug.

FDA has also said the semaglutide and tirzepatide shortages are resolved and the temporary shortage-based enforcement windows for routine copies have ended. That does not mean every compounded prescription is unlawful. Federal law still allows compounding in some circumstances. It does mean nobody should sell a compounded product to you as if it were an FDA-approved generic or an FDA-reviewed copy.

If you only want an FDA-approved medication, don't drift into a compounded plan by accident. Check the exact product name and regulatory status before you pay.

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What do Fridays customers say about the process?

As of August 28, 2026, Fridays had a 4.2 rating on Trustpilot across 4,639 reviews. The page showed 79% five-star reviews and 9% one-star reviews. These are individual service experiences. They do not prove typical medical results.

The review mix fits the trade-offs in the documents. Many reviewers praise easy signup, support, and delivery. Some report trouble with communication, billing, or getting a problem fixed. Trustpilot says Fridays invites customers to review whether the experience was positive or negative and had replied to 97% of negative reviews when we checked.

One disclosure you deserve: testimonials on Fridays' own website carry the note “These Fridays members were paid for their testimonials.” That does not make every testimonial false. It does mean you should weigh the terms, prices, refund rules, and independent reviews above the polished success stories — from Fridays or from anyone else, us included.

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Is Fridays the right HSA/FSA choice for me?

Fridays fits when you've already chosen the program, one payment method can cover the full charge, and you're ready to keep the right records. It's the wrong fit if you need split payments, insurance-billed virtual visits, guaranteed line-by-line itemization, or easy refunds after a payment processes.

➡️ See Fridays' current plans and exact checkout price → (affiliate link)

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How we verified this

We read Fridays' own pages and help center, plus IRS, FDA, Ro, and Trustpilot sources, on August 28, 2026. We are not Fridays patients and we did not run a test transaction. Every major claim here links to a document you can open yourself.

Verified directly from Fridays: HSA/FSA card acceptance for prescription payments · the no-split-payment rule · accepted and rejected payment methods · itemized receipt request process and its “may include” wording · cash-pay status for virtual visits · medication insurance support language · current compounded plan totals · brand-name pricing · multi-month upfront billing · charge timing at intake submission · 72-hour cancellation deadline · refund exceptions · the three statement descriptors · both published BMI floors · compounded medication disclaimer · four named partner pharmacies.

Verified from primary agencies: prescribed-medicine treatment under IRS Publication 502 · separate weight-loss program, nutrition, fitness, and food rules · HSA recordkeeping under Publication 969 · standard health FSA uniform coverage and substantiation rules · the rule that an FSA expense is incurred when care is provided · 2026 HSA and FSA limits · FDA's compounded-drug status and current GLP-1 shortage policy.

What we could not verify, and won't claim: whether Fridays will complete every administrator's special medical-necessity form · whether every part of every bundled plan qualifies under every HSA or FSA · how your plan will allocate a prepaid bundle across plan years · which statement descriptor your first live charge will use · the exact promotional checkout total you will see.

What we can't tell you: how your plan will treat it. Plans differ. That's the one call worth making yourself.

Primary sources used

• Fridays: HSA/FSA prescription payments and no split payments
• Fridays: accepted payment methods
• Fridays: itemized receipt requests
• Fridays: compounded plan totals
• Fridays: live pricing
• Fridays: FAQs
• Fridays: Terms & Conditions
• IRS Publication 502
• IRS Publication 969
• IRS health FSA rules
• IRS nutrition, wellness, and general-health FAQ
• FDA: Compounding and the FDA — questions and answers
• FDA: GLP-1 shortage and compounding policy clarification
• Ro: weight-loss membership pricing
• Ro: free GLP-1 insurance coverage checker
• Trustpilot: Fridays Health reviews

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Fridays HSA/FSA questions, answered

Does Fridays take HSA? Yes. Fridays states HSA cards are accepted for prescription payments. One payment method must cover the whole charge. Keep the prescription, receipt, and proof of payment with your tax records.

Does Fridays take FSA? Yes. Fridays states FSA cards are accepted for prescription payments. The plan still controls substantiation, account type, timing, and claim rules.

Can I split a Fridays charge between my FSA card and a credit card? No. Fridays states it does not allow split payments between an HSA or FSA card and another payment method.

Can I use my HSA for Fridays compounded semaglutide or tirzepatide? Fridays says its HSA/FSA cards can be used for compounded GLP-1 prescriptions. IRS Publication 502 includes prescribed medicines as medical expenses, while HSA rules require you to keep proof and avoid double reimbursement. Compounded medications are not FDA-approved.

Can I use my FSA for Fridays compounded semaglutide or tirzepatide? Fridays accepts the card for prescription payments, but the FSA plan must substantiate the claim. Check whether you have a standard health FSA or a limited-purpose FSA.

Does Fridays give you an itemized receipt? Fridays says it can provide one on request through the patient portal or support. Its help article says the receipt may include the common fields, so name every field your plan wants.

Do I need a letter of medical necessity for Fridays? Not always. Fridays says a provider letter might be required depending on the plan. Ask before you pay.

Will Fridays write the letter for me? Fridays' public pages do not clearly promise to complete every administrator's form. If approval depends on it, confirm with support in writing first.

Why was my Fridays HSA or FSA card declined? A decline can come from the full-charge amount, an HSA balance, an FSA card control, a limited-purpose account, merchant processing, missing proof, or a security lock. Start with the exact amount charged and the account type.

Can I pay with a regular card and reimburse myself later? For an HSA, yes, if the qualified expense happened after the HSA was established and you keep the records. For an FSA, only if the plan covers the expense, the care was incurred during coverage, and you file the claim by its deadline.

Does Fridays take insurance? Fridays says insurance does not cover its virtual visits. Its pricing page says the team may help with medication coverage and that brand-name drug cost depends on insurance. HSA/FSA payment is separate from insurance billing.

Can I use FSA money to prepay a 6- or 12-month plan? The card may be able to pay the upfront charge. FSA rules treat an expense as incurred when care is provided, not when you pay. Because Fridays delivers prepaid care monthly, ask the administrator before a plan crosses into another FSA year.

Is the whole Fridays membership HSA/FSA eligible? Do not assume so. The clearest Fridays confirmation covers prescription payments. Request a receipt that separates medication and clinical care from coaching, fitness, meals, or merchandise.

What is my Fridays charge going to say on my statement? Fridays' public documents list “OpenLoop Healthcare Partners PC,” “Thrive Health Group,” and “OPNLP FRIDAYS.” Save the receipt and statement together.

What BMI do you need for Fridays? Fridays publishes two floors: its pricing page says BMI 20 or higher to get started; its FAQ says adults with BMI 25 or higher may be eligible. A licensed provider makes the treatment decision. Neither number decides HSA or FSA tax treatment.

Does using an HSA or FSA guarantee Fridays will prescribe me something? No. Payment and prescribing are separate. A licensed provider decides based on your health history.

Does Fridays taking HSA/FSA mean compounded medication is FDA-approved? No. FDA says compounded drugs are not FDA-approved. Card acceptance does not change that.

When does Fridays charge me? Its Terms say the first charge happens when you complete enrollment and submit your medical intake for provider review. That can be before the prescription decision.

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Still deciding?

Fridays takes the card. That part's settled. If what you're actually still weighing is whether Fridays is the right program for you — versus an insurance-first path, a different medication, or a different price — that's a different question, and it deserves a real answer.

Still not sure which GLP-1 program is right for you? Take our free 60-second matching quiz.

➡️ Find My GLP-1 Path → Free · no email required · matched on your state, insurance, medication preference, treatment path, and budget.

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The RX Index is the independent GLP-1 decision resource that scores telehealth providers and treatment paths on clinical legitimacy, care quality, transparency, access, and cost, so readers can choose the path that fits their situation. We are not a medical provider and this page is not medical or tax advice. Talk to your provider about treatment and your benefits administrator or a tax professional about your account.