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GLP-1 Cost Without Insurance: What You'll Actually Pay by Drug and Channel in 2026
Published: · Last updated:
GLP-1 cost without insurance ranges from $149 to $598/month depending on the drug, the channel, and how long you've been on treatment. Most legitimate U.S. self-pay paths land closer to $299–$449/month once doses rise or starter pricing ends. If you already have a prescription, direct manufacturer self-pay (NovoCare or LillyDirect) is usually cheapest. If you need a prescriber and ongoing clinical support, expect a monthly care or membership fee on top of the drug price.
The honest gap nobody tells you: the price you see advertised is almost never the price you'll pay three months in. Starter promos expire. Doses escalate. Membership fees stack. And self-pay dollars don't count toward your insurance deductible.
At a glance
Cheapest verified starter
$149/mo
Budget for maintenance
$299–$449/mo
Best if you already have Rx
Direct self-pay
Biggest hidden catches
Memberships, refill rules, $0 deductible credit
Jump to: 17 verified prices · By drug · By situation · Price cliffs · Memberships · Compounded · Deductible & HSA · Pill vs injection · FAQ
GLP-1 cost without insurance: today's verified prices by drug and channel
This table shows what cash-pay patients actually pay at each stage — not just the advertised teaser. “Starter total” is what you pay during the lowest introductory doses. “Honest later total” is what the same path costs once your dose increases or the promo window closes. The “Price-Cliff” column shows how far the price jumps.
| Path | Starter/mo | Later total/mo | Price-Cliff | Biggest catch |
|---|---|---|---|---|
| NovoCare Wegovy pill (direct) | $149 | $299 | +101% | 4 mg promo reverts to $199 after 8/31/26; self-pay doesn't hit deductible |
| NovoCare Wegovy pen (direct) | $199 | $349 | +75% | Intro only for first 2 starter fills through 6/30/26 |
| LillyDirect Zepbound (direct) | $299 | $449 | +50% | Must refill within 45 days on higher doses or regular pricing applies |
| LillyDirect Foundayo (direct) | $149 | $299 | +101% | 14.5/17.2 mg doses jump to $349 if refill is late |
| NovoCare Ozempic (direct) | $199 | $349–$499 | +75% to +151% | Not FDA-approved for weight loss; intro ends 6/30/26 |
| GoodRx Care Direct Wegovy pill | $188 | $338 | +80% | $39/mo care fee on top; not available in AL or LA |
| GoodRx Care Direct Wegovy pen | $238 | $388 | +63% | $39/mo care fee; intro limited to first two low-dose fills |
| Ro Wegovy pill | $188 | $448 | +129% | Higher than direct self-pay because membership is separate |
| Ro Wegovy pen | $238 | $498 | +102% | Membership adds real cost, but includes prescriber + insurance help |
| Ro Zepbound | $338 | $598 | +73% | Membership + 45-day refill rule on higher doses |
Sources: Official NovoCare pricing page and terms (novocare.com), accessed April 8, 2026. Official Lilly pricing for Zepbound (zepbound.lilly.com/savings) and Foundayo (foundayo.lilly.com/coverage-savings), accessed April 8, 2026. GoodRx Care Direct and Ro.co/weight-loss/pricing verified April 8, 2026.
Three things this table proves
- The cheapest verified FDA-approved starting prices are now oral Wegovy and Foundayo at $149/month — many competing pages still frame GLP-1s as mainly $900–$1,300 injections.
- Most realistic higher-dose brand paths cluster at $299–$449/month, not $149. Oral options sit lowest at $299, while brand injectables usually land at $349–$449.
- Membership fees create the biggest price cliffs. Ro's first disclosed higher-dose oral path rises from $188 to $448 — a bigger jump than the direct manufacturer paths.
Includes clinical support + insurance navigation
No email required · 5 questions · Personalized recommendation
What does each GLP-1 drug cost without insurance right now?
Wegovy pill (oral semaglutide)
Bottom line: tied for lowest FDA-approved starting price at $149/month — honest higher-dose number is $299.
The oral form of Wegovy launched in January 2026 and changed the self-pay math overnight. Through NovoCare Pharmacy, cash-pay patients get the 1.5 mg and 4 mg starter doses for $149/month each. The 4 mg promotional price runs through August 31, 2026, after which it rises to $199/month. The 9 mg and 25 mg maintenance doses cost $299/month.
Novo Nordisk also launched a 12-month subscription program on March 31, 2026, available through Ro, WeightWatchers, and LifeMD. The subscription locks in $249/month for the pill (9 mg and 25 mg doses), saving up to $600/year compared to month-to-month purchasing.
The catch: Wegovy pills must be taken on an empty stomach, at least 30 minutes before food or other drinks. Many patients find this inconvenient enough to prefer Foundayo (no food restrictions) or injections.
What to budget: $149/mo for the first 2–3 months, then $249–$299/mo at maintenance depending on whether you commit to a 12-month subscription.
Wegovy pen (semaglutide injection)
Bottom line: more expensive than the pill on a monthly basis, but clinical trials show higher weight loss at the top doses.
Through NovoCare, new patients on the 0.25 mg and 0.5 mg starter doses pay $199/month for the first two fills (promotional pricing through June 30, 2026). After the promotional window, all injection doses cost $349/month. With a 12-month Wegovy subscription, that drops to $249/month.
Wegovy HD, the higher-dose 7.2 mg injection approved March 19, 2026, is now available through NovoCare at $399/month for self-pay patients.
What to budget: $199/mo starter, then $249–$349/mo depending on subscription commitment.
Zepbound (tirzepatide injection)
Bottom line: highest average weight loss in clinical trials (~22.5%), mid-range price, but watch the 45-day refill rule.
Through LillyDirect, the starting dose (2.5 mg) costs $299/month. The 5 mg dose is $399/month. All higher doses (7.5–15 mg) cost $449/month — but only if you refill within 45 days of your previous delivery. Miss that window and you pay standard pricing: $499 for 7.5 mg and $699 for 10 mg, 12.5 mg, and 15 mg.
“To maintain the Lilly Direct cash pay promotional pricing… you must refill… every 45 days or less.”
— r/Zepbound user warning about the refill rule
What to budget: $299/mo starter, then $449/mo at maintenance if you stay on schedule. Set a calendar reminder around day 30–35.
Foundayo (orforglipron pill) — New April 2026
Bottom line: newest FDA-approved option at $149/month starting, and the only GLP-1 pill with no food or water restrictions.
FDA approved Foundayo on April 1, 2026. LillyDirect began shipping April 6. Pricing by dose: $149/mo (0.8 mg), $199/mo (2.5 mg), $299/mo (5.5 mg and 9 mg), and $299/mo for 14.5 mg and 17.2 mg through the Foundayo Self Pay Journey Program — must refill within 45 days; otherwise $349/mo for those top two doses.
Foundayo's key practical advantage over the Wegovy pill: you can take it any time of day, with or without food, with no water restrictions. The tradeoff: Foundayo's clinical trial weight loss (12.4% at the highest dose in the efficacy analysis) is lower than Wegovy injections (~16%), Wegovy HD (~21%), Zepbound (~22.5%), or the Wegovy pill (~13.6% at 25 mg).
What to budget: $149/mo starter, then $299/mo at maintenance (or $349 if you miss the 45-day refill on top doses).
Ozempic (semaglutide injection — prescribed for diabetes)
Same molecule as Wegovy, sometimes prescribed off-label for weight loss, but insurance and self-pay rules differ. Through NovoCare, new patients on the 0.25 mg and 0.5 mg doses pay $199/month for the first two fills (through June 30, 2026). Maintenance doses cost $349/month (0.25–1 mg) or $499/month (2 mg).
Ozempic is FDA-approved for type 2 diabetes, not weight loss. If your goal is weight loss and you don't have diabetes, Wegovy or Zepbound are the FDA-approved paths.
What to budget: $199/mo starter, then $349–$499/mo.
Mounjaro (tirzepatide injection — prescribed for diabetes)
Same molecule as Zepbound, but FDA-approved for type 2 diabetes — not weight loss. Mounjaro pricing through LillyDirect mirrors Zepbound: $299/month for 2.5 mg, $399 for 5 mg, and $449 for higher doses through the Self Pay Journey Program with the same 45-day refill rule. If your prescriber writes for Mounjaro rather than Zepbound, confirm which self-pay program applies to your situation.
What to budget: Same as Zepbound — $299/mo starter, then $449/mo at maintenance.
What's the cheapest path for your situation?
Not every channel works for every buyer. Here's how to match your situation to the lowest legitimate cost.
If you already have a prescription
→ Go direct self-pay first
NovoCare (Wegovy, Ozempic) and LillyDirect (Zepbound, Foundayo) offer the lowest base prices because there's no membership or care fee layered on top. Your doctor sends the prescription to NovoCare Pharmacy or LillyDirect, you pay by card or HSA/FSA, and the medication ships from a contracted pharmacy.
Best starting option: Wegovy pill or Foundayo at $149/mo through NovoCare or LillyDirect.
If you need the prescription and ongoing support
→ Compare total monthly cost, not medication-only price
Telehealth providers like Ro, GoodRx Care Direct, and Hims add clinical services — a prescribing visit, dosing adjustments, messaging access, and sometimes insurance navigation. That's genuinely valuable if you don't already have a provider managing your GLP-1, but the service isn't free. Ro's membership runs approximately $149/month on top of the medication cost. GoodRx Care Direct charges $39/month.
The honest question: Do I need someone to prescribe and monitor this, or do I already have a doctor who can send an Rx to NovoCare/LillyDirect?
If you're on Medicare or another government plan
→ Check which manufacturer's program you qualify for
NovoCare's savings offers for Wegovy and Ozempic explicitly exclude government beneficiaries. Lilly's Zepbound program is different: LillyDirect offers a self-pay path for Medicare patients whose plan does not cover Zepbound. Starting July 1, 2026, the Medicare GLP-1 Bridge program is expected to offer Zepbound, Wegovy, and Foundayo to eligible Medicare Part D beneficiaries at approximately $50/month copay.
If you want a pill, not a shot
→ Oral Wegovy and Foundayo changed the math
Before 2026, 'GLP-1 without insurance' essentially meant injections at $349+/month. Now both oral options start at $149/mo. The Wegovy pill at 25 mg produced ~13.6% average weight loss in clinical trials (must take on empty stomach, 30-min fast). Foundayo produces slightly less (~12.4% at the highest dose) but has no food or water restrictions.
If you're open to compounded to cut cost
→ Lower recurring price, but higher regulatory tradeoff
Compounded programs can undercut brand-direct pricing — especially Mochi, where the honest later total for compounded semaglutide stays flat at $178/month. But with semaglutide and tirzepatide shortages resolved, the regulatory landscape for compounded GLP-1s is more restricted than during the shortage period.
Includes insurance navigation that may get you to $25/mo
Which advertised prices jump after month one?
This is the section most GLP-1 cost pages skip — and it's the reason people feel blindsided two months in. The Price-Cliff Score measures how much the price jumps from the advertised starter to the honest later total.
| Path | Advertised starter | Honest later total | Price-Cliff | Why it jumps |
|---|---|---|---|---|
| NovoCare Ozempic (direct) | $199 | $349–$499 | +75% to +151% | Intro pricing on first 2 fills only; 2 mg dose is $499 |
| Ro Wegovy pill | $188 | $448 | +129% | Drug price rises with dose + membership fee stacks |
| Ro Wegovy pen | $238 | $498 | +102% | Membership is real cost, but includes prescriber |
| NovoCare Wegovy pill (direct) | $149 | $299 | +101% | 4 mg promo ends 8/31/26; higher doses are $299 |
| LillyDirect Foundayo (direct) | $149 | $299–$349 | +101% | High doses jump to $349 if you miss the 45-day refill |
| GoodRx Care Direct Wegovy pill | $188 | $338 | +80% | $39/mo care fee adds up |
| NovoCare Wegovy pen (direct) | $199 | $349 | +75% | Intro for starter doses only, through 6/30/26 |
| Ro Zepbound | $338 | $598 | +73% | Membership + drug escalation |
| GoodRx Care Direct Wegovy pen | $238 | $388 | +63% | $39/mo care fee; intro limited to first two fills |
| LillyDirect Zepbound (direct) | $299 | $449 | +50% | 45-day refill rule on doses 7.5 mg+ |
The takeaway: Every FDA-approved self-pay path has a price cliff of at least 50%. The lowest cliff belongs to LillyDirect Zepbound at +50%. The highest is NovoCare Ozempic at up to +151% once you reach the 2 mg dose. Plan your budget for the “honest later total” column, not the starter.
Do telehealth memberships actually help, or are they just extra fees?
This is the right question, and the honest answer depends on what you need.
| Direct self-pay (NovoCare / LillyDirect) | GoodRx Care Direct | Ro | |
|---|---|---|---|
| Prescriber included? | No — bring your own Rx | Yes ($39/mo) | Yes (included in membership) |
| Insurance navigation? | No | No | Yes |
| Medication cost | Lowest base price | Same as manufacturer + $39/mo | Same or near manufacturer + membership |
| Starter total | $149–$299 | $188–$338 | $188–$338 |
| Maintenance total | $299–$449 | $338–$488 | $448–$598 |
| Best for | Patients with existing prescriber | Patients who want low-cost clinical access | Patients who want full support + insurance help |
Honest assessment of Ro's membership
Ro does not offer the lowest total monthly cost if you already have a prescription. If your only priority is the cheapest legitimate price and you have a doctor who can prescribe, direct self-pay through NovoCare or LillyDirect beats Ro every time. But Ro adds genuine value that the direct channels don't: a prescribing clinician, dosing management, messaging support, and an insurance concierge team that may be able to get you coverage you didn't know you had. For someone starting from scratch with no doctor and no prescription, that service can save more than it costs.
If the membership fee is a dealbreaker
Go direct. NovoCare and LillyDirect both provide instructions for your doctor to send a prescription directly to their pharmacy. If you need a prescriber but want a lower-fee option, GoodRx Care Direct at $39/month is the middle path — it doesn't include insurance navigation, but it includes a clinician at a fraction of Ro's cost.
Includes insurance navigation — may reduce your cost to $25/mo
Are compounded GLP-1 programs actually cheaper?
⚠️ Important context before comparing prices
- ·Compounded GLP-1 medications are not FDA-approved.
- ·The FDA has warned about misleading compounded GLP-1 marketing, including claims that imply equivalence with FDA-approved products.
- ·The FDA has also flagged concerns about shipping conditions, fraudulent labels, and dosing errors with some compounded GLP-1 products.
- ·With semaglutide and tirzepatide shortages now resolved, the regulatory landscape for compounded versions of these drugs is more restricted than during the shortage period.
Direct answer: Yes, many compounded programs post lower recurring monthly prices than brand-direct paths. No, they are not the same regulatory category as FDA-approved drugs.
| Path | Starter/mo | Later total/mo | Price-Cliff | Biggest catch |
|---|---|---|---|---|
| Mochi compounded semaglutide | $178 | $178 | 0% | Includes $79 membership; compounded, not FDA-approved |
| Eden compounded semaglutide (monthly) | $149 | $229 * | +54% | Compounded, not FDA-approved; *needs verification |
| Eden compounded semaglutide (3-month) | $129 | $209 * | +62% | Upfront commitment; compounded, not FDA-approved; *needs verification |
| MEDVi compounded semaglutide | $179 | $299 | +67% | Compounded, not FDA-approved |
| Mochi compounded tirzepatide | $278 | $278 | 0% | Includes $79 membership; compounded, not FDA-approved |
| Eden compounded tirzepatide | $249 | $329 | +32% | Compounded, not FDA-approved |
Sources: Official Eden pricing at tryeden.com, Mochi membership and medication pricing, MEDVi pricing at glp.medvi.org. All accessed April 2026. Items marked * could not be independently verified from official sources and should be confirmed directly with the provider.
What this table proves
If the reader's sole goal is the lowest recurring cash-pay monthly number, compounded telehealth can undercut brand-direct pricing — especially Mochi, where the honest later total for compounded semaglutide stays flat at $178/month. But the gap has narrowed dramatically. The Wegovy pill at $149 starting / $249 with a 12-month subscription is now within striking distance of most compounded semaglutide pricing, and it's FDA-approved. That changes the calculus for anyone who previously chose compounded primarily on cost.
Honest assessment of MEDVi
MEDVi is not the cheapest compounded semaglutide option in the live data. If your only goal is the absolute lowest recurring monthly price, Mochi or Eden can come in lower. But MEDVi bundles pricing more simply with no separate membership line item — the total you see is the total you pay. MEDVi also now offers FDA-approved Wegovy pill, Wegovy and Zepbound injections for patients who want to start compounded and have the option to switch to brand-name.
Compounded from $179 · FDA-approved paths available · Labs included
Does self-pay count toward your deductible or HSA/FSA?
Deductible credit: No
Both NovoCare and LillyDirect explicitly state that self-pay purchases do not count toward your insurance deductible or out-of-pocket maximum. NovoCare's terms say: money spent through self-pay "will not count toward any deductible, and cannot be applied to any insurance maximum out-of-pocket limits." Lilly's Zepbound and Foundayo savings cards carry the same restriction.
HSA/FSA eligible: Yes
Prescription GLP-1 medications for obesity or diabetes are qualified medical expenses under IRS rules for HSA and FSA accounts. NovoCare explicitly accepts HSA/FSA cards at checkout. Using pre-tax HSA/FSA dollars can reduce your effective cost significantly — the exact savings depend on your marginal tax rate.
The strategic question
If you have a high-deductible health plan and your insurer covers GLP-1s after the deductible, paying list price through insurance might actually be smarter than self-pay — because every dollar counts toward that deductible. Run the math: if your deductible is $3,000 and you'd hit it within a few months at list price, paying through insurance could mean $25/month copays for the rest of the year.
Is the Wegovy pill actually cheaper than injections?
Yes, in most scenarios — and the gap is meaningful.
| Wegovy pill (25 mg maintenance) | Wegovy pen (2.4 mg maintenance) | Difference | |
|---|---|---|---|
| NovoCare direct (month-to-month) | $299/mo | $349/mo | Pill saves $50/mo ($600/yr) |
| Wegovy subscription (12-month) | $249/mo | $249/mo | Same price |
| GoodRx Care Direct | $338/mo | $388/mo | Pill saves $50/mo |
| Ro | $448/mo | $498/mo | Pill saves $50/mo |
At the 12-month subscription tier, injection and pill pricing converge at $249/month. On month-to-month plans, the pill saves about $50/month. The real question isn't just price — it's whether the pill's dosing restrictions (empty stomach, 30-minute fast) are workable, or whether Foundayo's no-restriction format is worth slightly lower efficacy.
Wegovy Pill vs Foundayo: Which is Better in 2026? →What are real patients saying they paid?
These are direct quotes from public Reddit threads — anecdotal, not our claims, but they illustrate the real-world experience that official pricing pages don't show.
“I got an rx from my endocrinologist. I pay out of pocket… $199 the first two months. After pay $349 a month.”
— r/WegovyWeightLoss user describing NovoCare self-pay
“To maintain the Lilly Direct cash pay promotional pricing… you must refill… every 45 days or less.”
— r/Zepbound user warning about the refill rule
“Insurance denied coverage… both would be out-of-pocket… trying to figure out which one is more worth it.”
— r/Zepbound user comparing Wegovy vs Zepbound without insurance
These echo exactly what our pricing tables show: the starter price is real, the later price is higher, and the refill/membership rules are the part that catches people off guard.
How we verify GLP-1 prices
Manufacturer pricing pages first
NovoCare.com for Novo Nordisk products (Wegovy, Ozempic). LillyDirect, Zepbound.lilly.com, and Foundayo.lilly.com for Eli Lilly products (Zepbound, Foundayo, Mounjaro).
Official provider pricing pages second
Ro.co/weight-loss/pricing, GoodRx Care Direct, provider-specific pricing pages.
Official terms and conditions third
Promo expiration dates, refill rules, government-beneficiary exclusions, and deductible treatment.
FDA.gov for regulatory status
Approval status, compounding guidance, warning letters.
Screenshots archived
Every price point captured at time of verification.
Refresh schedule
- ·Monthly for all prices and provider terms
- ·Immediate updates for FDA actions, major launch changes, or pricing shifts
- ·Quarterly for broader methodology review
Last verified: April 8, 2026 · Next scheduled audit: May 8, 2026
FAQ: GLP-1 cost without insurance
What is the cheapest GLP-1 without insurance?
The cheapest FDA-approved starting price is $149/month for either the Wegovy pill (via NovoCare) or Foundayo (via LillyDirect). The cheapest compounded option varies by provider but can start as low as $129/month through Eden's 3-month semaglutide plan. Compounded medications are not FDA-approved.
What's the cheapest FDA-approved GLP-1 for weight loss?
Tied: Wegovy pill and Foundayo, both at $149/month for the starting dose. At maintenance, the Wegovy pill with a 12-month subscription ($249/month) is the cheapest FDA-approved recurring option.
Is Ozempic cheaper than Wegovy or Zepbound?
At maintenance doses through self-pay, Ozempic ($349/month for 0.25–1 mg) costs the same as Wegovy injections month-to-month. But Ozempic is FDA-approved for diabetes, not weight loss. Using it for weight loss is off-label, and your prescriber needs to be comfortable with that.
Is Zepbound cheaper than Wegovy after month one?
On a month-to-month basis, Zepbound maintenance ($449/month) costs more than Wegovy injection month-to-month ($349) or Wegovy subscription ($249). Zepbound's advantage is efficacy — approximately 22.5% weight loss in clinical trials versus approximately 16% for Wegovy injections — not price.
Why doesn't self-pay count toward my deductible?
Because manufacturer self-pay programs operate outside of insurance. Both NovoCare and LillyDirect explicitly state this in their terms. When you use their cash-pay pricing, the pharmacy processes the transaction outside your insurance plan, so no dollars flow toward your deductible or out-of-pocket maximum.
Do Medicare patients qualify for these cash prices?
It depends on the program. NovoCare's self-pay savings offers for Wegovy and Ozempic exclude government beneficiaries. LillyDirect's Zepbound self-pay program has a separate path for Medicare patients whose plan does not cover Zepbound. The Medicare Bridge program launching July 1, 2026 is expected to offer select GLP-1s at approximately $50/month copay for eligible Part D beneficiaries.
Are compounded GLP-1s FDA-approved?
No. The FDA has stated clearly that compounded GLP-1 medications are not FDA-approved and do not undergo premarket review for safety, effectiveness, or quality. Compounding pharmacies may operate under 503A or 503B exemptions, but those exemptions are conditional. With semaglutide and tirzepatide shortages now resolved, the regulatory landscape for compounded versions of these drugs is more restricted than during the shortage period.
What happens after the intro price ends?
It depends on the path. NovoCare Wegovy pen introductory pricing ($199/month for starter doses) is limited to the first two fills and expires June 30, 2026. After that, all doses are $349/month. LillyDirect's Zepbound pricing stays at $449/month as long as you refill within 45 days. Miss the window and higher-dose pricing jumps to $499–$699/month.
Is it cheaper to use Ro or go direct?
If you already have a prescription, direct self-pay through NovoCare or LillyDirect is cheaper. If you need a prescriber, Ro's all-in cost is higher but includes clinical services, dosing support, and insurance navigation that the direct channels don't offer.
Are GLP-1 pills cheaper than injections?
At month-to-month self-pay, yes — the Wegovy pill ($299/month maintenance) and Foundayo ($299/month maintenance) both cost less than Wegovy injections ($349/month) or Zepbound ($449/month). With a 12-month Wegovy subscription, injection and pill pricing converge at $249/month.
Your next step
If you've read this far, you know more about GLP-1 pricing than 95% of people searching for this answer. The decision comes down to three paths:
You have a prescription already → Go direct
NovoCare for Wegovy/Ozempic, LillyDirect for Zepbound/Foundayo. Lowest base prices, no membership fees.
You need a prescriber and support → Consider Ro
Higher total cost, but includes the clinical relationship most people need to start safely and stay on track. Ro also navigates insurance, which could get you to $25/month if your plan covers it.
You want the lowest recurring cash price and accept compounded tradeoffs → Compare MEDVi, Eden, or Mochi
Lower prices, but these are not FDA-approved products. Understand what that means before committing.
No email required · 5 questions · Personalized recommendation
May qualify for brand-name GLP-1 at $25/mo through insurance
Compounded from $179 · FDA-approved paths available
Medical disclaimer: This content is for informational purposes only and does not replace professional medical advice. Always consult your healthcare provider before starting any new medication. Pricing information reflects verified data as of April 8, 2026 and may change.
Affiliate disclosure: The RX Index may earn a commission if you visit a provider through our links. This does not influence our editorial content or pricing data. NovoCare and LillyDirect links are not affiliate links.
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The RX Index is an independent editorial publisher covering GLP-1 medications and telehealth providers. We are not medical professionals. We may earn a commission if you visit a provider through our links, but this does not influence our editorial content or pricing data.