Paying for Medical Weight Loss — HSA, FSA, Klarna, Affirm
We're a cash-pay practice. You don't need insurance to start. Here's every way to pay, what's eligible, and how much you'd pay per month with each option.
Accepted payment methods
HSA / FSA
Health Savings Account and Flexible Spending Account cards accepted directly at checkout. Itemized statements provided on request.
Klarna
4 interest-free installments. Soft credit check at signup — does not affect your score.
Affirm
3, 6, or 12-month plans with rates based on credit. Pre-qualify online without affecting credit.
Credit / Debit Card
Visa, Mastercard, American Express, Discover. Standard checkout.
Cash / In-Clinic
In-person payment at our Costa Mesa clinic by cash or card. Receipts provided.
Insurance (HSA/FSA only)
We don't bill insurance directly. We accept HSA/FSA accounts funded through your insurance plan.
What each program costs at each tier
Reading guide: the totals are the cash price; the per-month columns show what you'd pay with Klarna's 4-installment plan or Affirm's 6-month plan (rate varies by credit).
- Initial physician visit: $119 one-time. HSA/FSA eligible.
- Skeptic's Trial: $297 one-time / 1-month. HSA/FSA eligible. Klarna: 4 × $74.25.
- Essential Reset (Semaglutide 90-day): $499 / 3 months ($166/month equivalent). HSA/FSA eligible. Klarna: 4 × $124.75. Affirm 6-mo: ~$86/month.
- Advanced Reset (Tirzepatide 90-day): $699 / 3 months ($233/month equivalent). HSA/FSA eligible. Klarna: 4 × $174.75. Affirm 6-mo: ~$120/month.
HSA / FSA eligibility, in plain language
HSA and FSA funds are eligible for "qualified medical expenses" under IRS guidelines. Compounded semaglutide and tirzepatide prescribed by a licensed physician for weight loss with documented medical necessity (BMI 30+, or 27+ with a comorbidity) qualify. The $119 physician visit qualifies. We provide itemized statements with diagnosis and procedure codes if your administrator requires them for substantiation.
What might not qualify: gym memberships (without a Letter of Medical Necessity), most fitness equipment, supplements without a prescription. Your HSA administrator confirms specifics.
Klarna — 4 interest-free installments
Klarna is a buy-now-pay-later option that lets you split any purchase into 4 equal interest-free installments. The first installment is paid at checkout; the remaining three are charged every two weeks. No interest if paid on schedule. Late fees apply if you miss a payment. The signup is a soft credit check that doesn't affect your score.
For our 90-day Essential Reset at $499: 4 × $124.75 over 6 weeks. For tirzepatide at $699: 4 × $174.75. Klarna handles the financing; we receive the payment in full upfront.
Affirm — 3, 6, or 12-month plans
Affirm offers longer-term financing with monthly payments. Interest rate depends on credit profile and term length — promotional 0% APR is sometimes available; standard rates run from 10% to 30% APR. You pre-qualify online to see your rate before committing.
Common plans for our programs:
- $499 program × 6 months at 15% APR: ~$86/month, total interest ~$17.
- $699 program × 6 months at 15% APR: ~$121/month, total interest ~$24.
- $699 program × 12 months at 15% APR: ~$63/month, total interest ~$58.
Why we don't bill insurance
Insurance for branded GLP-1 medications (Wegovy, Ozempic, Mounjaro, Zepbound) gets denied roughly 40% of the time. Prior authorization, when granted, takes 30 to 90 days. Many patients spend three months in back-and-forth before learning their plan rejects the medication. The cash price for branded GLP-1 without insurance is $968-$1,349/month.
Compounded therapy at our clinic is $166-$233/month. For most uninsured patients, the math favors cash-pay even before factoring in the time and stress of insurance navigation. For patients whose insurance does cover branded GLP-1 with reasonable copay, branded is the better path — we'll tell you that during the consultation.
Frequently asked questions
Do you accept HSA or FSA?
Yes. HSA and FSA cards are accepted directly at checkout for both the $119 initial visit and the medication portion of the 90-day programs. Save your receipts; we provide itemized statements on request.
Can I use Klarna or Affirm for the 90-day program?
Yes. Both Klarna (4 interest-free installments) and Affirm (3-12 month plans) are accepted for the $499 and $699 programs and the $297 Skeptic's Trial. Application is a soft credit check.
Why don't you bill insurance directly?
Insurance for GLP-1 gets denied 40% of the time and prior authorization takes 30-90 days. We chose cash-pay so patients can start within days, not months, and avoid the typical $200-$2,000 out-of-pocket gap after partial insurance approval.
What's the total monthly cost with financing?
For the 90-day Essential Reset ($499) using Klarna: 4 × $124.75 over 6 weeks. Affirm 6-month plan: ~$86/month with average APR. Compare with branded Wegovy at ~$1,349/month cash without insurance.
Are gym expenses HSA-eligible alongside this?
Generally no — gym memberships are not HSA-eligible without a Letter of Medical Necessity (LMN). We don't provide LMNs for fitness expenses; we provide them for the medication and physician services where appropriate.
Can I split payment across HSA and Klarna?
Yes. Many patients use HSA for the initial visit and Klarna for the medication. We accept multiple payment methods on a single transaction.
This page is informational only and not financial or medical advice. Klarna and Affirm financing terms and rates are determined by the lender, not by New Hope Weight Loss. HSA/FSA eligibility depends on your specific account terms; consult your administrator. Pricing current as of May 2026. Wegovy® and Ozempic® are registered trademarks of Novo Nordisk A/S. Mounjaro® and Zepbound® are registered trademarks of Eli Lilly and Company.