Pricing and Insurance Questions | ACT 2 Health FAQ

Question 1

How much does ACT 2 Health cost?

Accepted Answer

ACT 2 Health publishes every price, and individually priced treatments run from $75 to $1,095 — most medications billed monthly, most lab panels charged once. Multi-month packages total more up front and less per month. There is no membership fee and no charge to find out whether you are eligible, and the price is the same in every state.

Question 2

How much does a consultation with ACT 2 Health cost?

Accepted Answer

A consultation with ACT 2 Health costs nothing. The assessment and the eligibility review that follows it are free, and there is no separate consultation fee layered on top of a treatment price. You pay only if a clinician determines a treatment is medically appropriate and you decide to go ahead.

Question 3

Is there a membership fee at ACT 2 Health?

Accepted Answer

No — there is no membership fee at ACT 2 Health. It charges no membership or subscription fee for access — you pay for the treatments and lab panels you actually receive, at the prices published on pricing. The one item with the word membership in its name, the Weight Loss Program Membership, is a specific clinical-oversight service for people who get a branded GLP-1 through their own insurance, not a fee to use the platform.

Question 4

What does the Weight Loss Program Membership cover?

Accepted Answer

The ACT 2 Health Weight Loss Program Membership is $75 per month and covers the clinical side of a weight program — clinician oversight, monitoring, plan review, and body-composition and biomarker tracking. It does not include medication: it is designed for people who obtain a branded GLP-1 through their own pharmacy benefit, and that pharmacy bills them separately for the drug. If your insurance does not cover a GLP-1, the semaglutide and tirzepatide options include the medication in their price instead.

Question 5

Are lab tests included in the price of treatment?

Accepted Answer

It depends on the treatment. The hormone programs include the lab panel: the first month of testosterone therapy and of women's hormone therapy, and the enclomiphene program, each cover the baseline panel. For every other treatment, lab work is priced separately, so a monthly medication price does not cover the blood draw or the panel. The comprehensive lab panel is $199 as a one-time charge, and the other panels and screenings are listed individually with their own prices. Repeat testing on the cadence your clinician sets is billed at those prices.

Question 6

Does ACT 2 Health accept insurance?

Accepted Answer

ACT 2 Health is a direct-pay service and does not bill insurance for its treatments or lab panels. Compounded medications and proactive, non-diagnostic lab panels are generally not covered benefits in any case. The one place insurance commonly does the heavy lifting is a branded GLP-1 covered under your own pharmacy benefit, where the Weight Loss Program Membership covers the clinical care around a medication your insurer pays for.

Question 7

Why does a direct-pay telehealth service usually not bill insurance?

Accepted Answer

Billing insurance requires being in network with a plan and submitting a covered service under a diagnosis the plan recognizes, which is a poor fit for most of what a direct-pay telehealth service does. Compounded preparations are generally excluded from pharmacy benefits, and broad baseline panels ordered because someone wants a measurement rather than because a symptom demands one are typically treated as screening and not covered. Direct pay is the trade: a published price you can see before you start, rather than a claim whose outcome you learn afterward. ACT 2 Health publishes every price for that reason.

Question 8

Can I use an HSA or FSA to pay for ACT 2 Health?

Accepted Answer

Health savings accounts and flexible spending accounts hold pre-tax money set aside for medical expenses, and medical care, diagnostic testing and prescription medications are commonly listed as eligible categories by plan administrators. Whether a specific ACT 2 Health purchase qualifies for your account depends on your plan, your administrator's interpretation and current IRS rules — ACT 2 Health does not administer your plan and cannot tell you that any particular service is eligible for you. Confirm with your plan administrator before you buy, and with a tax professional if the amounts matter. This is a description of how the accounts generally work, not tax advice.

Question 9

Do I need a letter of medical necessity to use an FSA or HSA?

Accepted Answer

A letter of medical necessity is sometimes needed to use an FSA or HSA, depending on your plan administrator. The letter is written documentation from a clinician stating that an item or service is being used to diagnose or treat a specific condition, and some administrators require one for expenses that could read as either medical or general wellness. Whether yours asks, and for which purchases, is a question for the administrator rather than for ACT 2 Health — ask before you pay, not after.

Question 10

Are ACT 2 Health prices billed monthly or charged once?

Accepted Answer

Both, depending on the item, and the pricing table states which for every line. Medications and ongoing programs are generally monthly — semaglutide at $299 a month, tirzepatide at $399 a month — with two- or three-month packages where offered, while lab panels, screenings and sensor packs are one-time charges, such as the $199 comprehensive panel. Hormone programs have a higher first month that covers the new-patient evaluation and the lab panel, then a lower monthly refill. Every subscription can be canceled at any time.

Question 11

When am I billed, and how often?

Accepted Answer

You are billed on the terms presented to you before you enroll or pay, and how often depends on the item: monthly treatments recur, one-time items are charged once. Those terms — the amount, whether it recurs, the cancellation terms and any shipping charge — are shown before you commit, and your payment method is charged on the terms you agreed to. Monthly treatments recur on the cadence stated at enrollment. ACT 2 Health does not publish a fixed billing date, so for the exact day your card is charged or to change a payment method, ask the care team.

Question 12

Do multi-month supplies cost less per month?

Accepted Answer

Yes — a package costs more up front and works out lower per month. Semaglutide injection is $299 for one month or $550 for two; tirzepatide injection is $399 for one month or $750 for two; NAD+ is $199 for one month, $349 for two or $499 for three; sermorelin, B12 and glutathione each offer a two-month package; TRT refills come as a three-month package at $450; enclomiphene has a three-month package at $349; and the Weight Loss Program Membership is $150 for three months. Metformin is sold only as a three-month supply at $149. The pricing table marks the package on every line, and the product page pre-selects it as the most popular option.

Question 13

Is the cost of the medication separate from the cost of the care?

Accepted Answer

For most ACT 2 Health treatments, no — the published monthly price covers the clinical care and the medication together, so semaglutide at $299 a month is not a care fee with a pharmacy bill arriving behind it. The deliberate exception is the Weight Loss Program Membership, which covers clinical oversight only because the branded medication reaches you through your own pharmacy benefit and is billed by that pharmacy. Lab work is priced separately from both.

Question 14

What is not included in an ACT 2 Health price?

Accepted Answer

A treatment price at ACT 2 Health does not include lab work, which is priced separately, and it does not include anything you obtain elsewhere — a branded medication filled under your own pharmacy benefit is billed by that pharmacy, not by ACT 2. Shipping charges and taxes, where they apply, are shown with the price before you pay rather than folded into the figure on the pricing table. Nothing about eligibility — the assessment, the clinician review, the decision — carries a charge.

Question 15

Am I charged if a clinician decides a treatment is not right for me?

Accepted Answer

No — you are not charged if a clinician decides a treatment is not right for you. The ACT 2 Health assessment and clinician review are free, and being told no costs nothing. Lab work you already had drawn is a separate purchase and is not undone by that decision, and the clinician will usually say what the results point to instead. A clinician may also suggest a different treatment, which you are free to take or leave.

Question 16

What happens to my billing if I stop or cancel treatment?

Accepted Answer

The cancellation terms for each ACT 2 Health treatment are presented at enrollment or checkout, along with the price and the recurring charges, and refunds, credits or adjustments are provided only as stated in those purchase terms or as required by law. ACT 2 Health does not publish a single sitewide cancellation window or refund policy, so check the terms shown for your specific treatment and contact the care team to stop a recurring charge. Stopping a medication is also a clinical decision worth having with your clinician first, because some treatments should be tapered rather than dropped.

Question 17

Do ACT 2 Health prices change?

Accepted Answer

The prices on the ACT 2 Health pricing table are the current ones and are confirmed with you at your eligibility review before you commit to anything, so you never start a treatment without knowing what it costs. Catalog prices can change over time as the menu and supply costs change. ACT 2 Health has not published a policy that locks your price for a set period, so if long-term price stability matters to your planning, ask the care team before you enroll.

Question 18

Does shipping cost extra?

Accepted Answer

Any shipping cost that applies to an ACT 2 Health order is shown with the price before you pay, never added as an extra charge afterward. Approved treatments are dispensed and shipped by a licensed pharmacy, and delivery timing is not guaranteed — it can be affected by the pharmacy, the carrier, weather, supply or information still needed from you. ACT 2 Health does not publish a flat shipping fee or a guaranteed delivery window, so ask the care team if you need one before ordering.

Question 19

Can I transfer an existing prescription to ACT 2 Health?

Accepted Answer

ACT 2 Health clinicians write their own prescriptions after their own evaluation rather than continuing someone else's on paper, so starting here means an assessment and, in most cases, current lab work — bringing recent results and your current medication list makes that faster. Compounded preparations ordered through ACT 2 are dispensed by the partner compounding pharmacies and are not transferable to a retail pharmacy. If you already have a branded GLP-1 covered by your insurance, the Weight Loss Program Membership is the structure that keeps your existing pharmacy and adds the clinical oversight; for anything else, ask the care team what applies to your situation.

Question 20

Is ACT 2 Health cheaper than going to a conventional clinic?

Accepted Answer

ACT 2 Health cannot honestly answer that in the general case, because the comparison depends on your insurance, your deductible and what a local clinic charges for the same work. What is comparable is the structure: ACT 2 Health publishes every price, charges nothing for the assessment or the eligibility decision, and quotes a monthly figure that for most treatments includes the medication, with lab work priced separately. A clinic visit billed to insurance may cost you less or more than that depending entirely on your plan, and the way to find out is to price both.

Question 21

Does my FSA money disappear at the end of the year?

Accepted Answer

In most plans, yes — unspent health FSA money is generally forfeited when the plan year ends, which is the use-it-or-lose-it rule people have heard of. Some plans soften it with a limited carryover or a grace period, and your plan documents are the only place that says which, if either, applies to you. Check that before you buy anything against a deadline you have assumed rather than confirmed. This describes how the accounts generally work and is not tax advice.

Question 22

What is the difference between an FSA carryover and a grace period?

Accepted Answer

A carryover moves a limited amount of unspent FSA money into the next plan year, while a grace period gives you extra time after the plan year ends to incur new expenses against the old balance. A plan can offer one or the other, not both, and many offer neither. Which one you have determines whether the question is how much is left or how long you have, so read your plan documents rather than generalizing from a colleague's plan.

Question 23

Do HSA funds expire the way FSA funds do?

Accepted Answer

No — HSA funds do not expire the way FSA funds do. Health savings account balances roll over year after year and stay with you when you change employers — the deadline pressure that applies to a flexible spending account does not apply to an HSA. Confusing the two accounts is the most common mistake in this area, and it pushes people into rushed purchases they did not need to make. Check which account you actually have before treating December as a deadline.

Question 24

Is lab testing an FSA or HSA eligible expense?

Accepted Answer

Lab testing is commonly listed as an FSA or HSA eligible expense by plan administrators, but eligibility depends on your plan, your administrator's interpretation and IRS rules. ACT 2 Health does not administer your account and cannot declare a panel eligible for you. Ask your plan administrator before you pay, and ask whether they want a letter of medical necessity for it. ACT 2 Health lab panels are priced and paid the same way regardless of how your account treats them; the comprehensive panel is $199 as a one-time charge.

Question 25

My plan year does not end in December — when is my FSA deadline?

Accepted Answer

Then December 31 is not your deadline. A health FSA runs on the plan year your employer sets, which for many plans does not match the calendar year, and the date that matters is the plan year end printed in your plan documents plus any grace period your plan grants. Work backward from that date rather than from the calendar, and confirm it with your benefits administrator if the documents are ambiguous.

Question 26

Will my insurance cover a GLP-1 medication?

Accepted Answer

Whether your insurance covers a GLP-1 medication is a question only your plan can answer, and ACT 2 Health cannot answer it for you. Coverage for this class varies enormously between plans, often turns on the indication it is prescribed for, and is revised every year — the formulary and the prior-authorization criteria for your specific plan are where the answer lives, and your benefits administrator or the number on your card can get you to them. The compounded GLP-1 medications prescribed through ACT 2 Health are direct-pay and are not billed to insurance; if your plan does cover a branded GLP-1, look at the Weight Loss Program Membership instead, which covers the clinical care around a medication your own pharmacy benefit pays for.

Question 27

If a GLP-1 is on my plan's formulary, does that mean it is covered for me?

Accepted Answer

A GLP-1 being on your plan's formulary does not necessarily mean it is covered for you. Being on the formulary means the plan covers that medication in principle; prior authorization, tier placement, step-therapy requirements and plan-specific clinical criteria all sit between that and an approved prescription. Ask your plan for the prior-authorization criteria in writing, because those are what a prescriber has to document against. ACT 2 Health cannot influence or predict that decision, and it does not affect what ACT 2 charges for its own treatments, which are published on pricing.

Question 28

When does open enrollment end?

Accepted Answer

For 2027 individual-market coverage on the federal marketplace, open enrollment ends 15 January 2027 — but enrolling after 15 December 2026 generally means coverage starts 1 February rather than 1 January, so the useful deadline is earlier than the final one. States that run their own marketplaces set their own dates, and employer open-enrollment windows are set by the employer and are often short. None of this changes what ACT 2 Health costs, since ACT 2 is direct-pay at published prices.

Question 29

I am turning 65 — does Medicare change how I pay for ACT 2 Health?

Accepted Answer

No — turning 65 does not change how you pay for ACT 2 Health, which is direct-pay and does not bill Medicare, Medicare Advantage or any other insurer. The published prices are what you pay at any age. Medicare also runs on its own enrollment calendar with its own rules, which means the marketplace open-enrollment dates are not the ones that govern you — and whether a Medicare drug plan covers a medication you obtain elsewhere is a question for that plan's formulary. Ask Medicare or your plan about coverage; ask ACT 2 Health about prices.

Question 30

Does it matter which health plan I pick if I mostly want lab work?

Accepted Answer

Which health plan you pick can matter if you mostly want lab work, because plans differ in how they treat diagnostic testing. They differ in whether testing runs against your deductible, what it costs once it does, and whether it has to be drawn within a particular laboratory network — worth checking specifically rather than assuming broad baseline panels fall under preventive care, because panels ordered because you want a measurement are often treated as screening and not covered. ACT 2 Health lab panels sit outside that entirely: they are direct-pay at published prices, with the comprehensive panel at $199 as a one-time charge, in every state where ACT 2 can order testing.

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