Financing and HSA/FSA
TrimRx vs Novi: Financing and HSA/FSA Compared (2026)
Compare TrimRx and Novi on real cost over 12 months, medication type, price stability and support. Independent 2026 analysis, no first-month gimmicks.
Published · Pricing as published in our provider dataset, synced · Editorial scores 9.7 and 7.0 out of 10
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TrimRx and Novi both prescribe GLP-1 medication online, take payment directly from the patient and ship to the door. That is where the overlap stops.
Neither of these bills insurance, so the financing question is a real one. TrimRx supports HSA/FSA, Affirm, Klarna and Afterpay, while Novi expects the card to clear each month.
This comparison works from what each provider publishes: the entry price, what it becomes at month two, the medication actually dispensed, and what is bundled rather than billed. Gaps in a provider's disclosure are reported as gaps, because they are part of what you are buying.
The short answer
- Lowest 12-month cost
- Novi — $1,596 against $1,788 at TrimRx, on each provider's own best published pricing.
- Most predictable bill
- TrimRx — Price locked for the life of the plan, so titration does not change what you are charged.
- Least friction to get going
- Novi — Online intake, then free 2-day shipping with every order.
- Most support included
- Novi — No long-term contract, cancel anytime.
TrimRx vs Novi at a glance
Nothing in this table is our estimate. Where a provider does not publish something, the cell says so.
| TrimRx | Novi | |
|---|---|---|
| Advertised price | GLP-1 from $149/mo, GLP-1+GIP from $249/mo | Semaglutide from $133/mo, tirzepatide from $166/mo |
| Rate after promotions | $149/mo | $133/mo |
| Pricing structure | Price locked for the life of the plan | Published rate per medication |
| Medication | Compounded semaglutide and compounded tirzepatide (GLP-1+GIP) | Compounded semaglutide and compounded tirzepatide |
| Payment options | HSA/FSA, Affirm, Klarna and Afterpay | Card only, no financing published |
| Shipping | Free shipping, arrives in 1-2 days | Free 2-day shipping with every order |
| Support model | No coaching program stated | No coaching program stated |
| Tirzepatide | $249/mo | $166/mo |
| Price transparency | Published upfront | Published upfront |
| Patient reviews | 18,420 | 50,124 |
| eRxDoctor score | 9.7/10 | 7.0/10 |
Cost over a full course of treatment
The advertised rate answers the wrong question. The totals below are the honest version, built from the rates each provider publishes.
| TrimRx | Novi | |
|---|---|---|
| First month | $149 | $133 |
| Months 2 onward | $149/mo | $133/mo |
| 6-month total | $894 | $798 |
| 12-month total | $1,788 | $1,596 |
| Best published plan | No multi-month discount published | No multi-month discount published |
Novi finishes the year $192 cheaper. For some patients the support TrimRx bundles closes that gap; for a patient who only needs the prescription written, it does not.
How you pay, not just what you pay
TrimRx accepts HSA/FSA, Affirm, Klarna and Afterpay. HSA and FSA eligibility is the one that quietly matters most: pre-tax dollars take a real bite out of the effective rate.
Novi publishes no financing options, so the full monthly charge lands on a card each cycle. At $133/mo that is manageable for most people, but it removes a lever if a month gets tight.
Check whether the financing applies to multi-month plans or only to a single order. That detail decides whether it helps in month seven as well as month one.
TrimRx: what you are buying
TrimRx: 100k+ happy customers, 4.8 Excellent Rating. Compounded GLP-1 from $149/month and GLP-1+GIP from $249/month with Lifetime Price Protection, free 1–2 day shipping, 24/7 support, HSA/FSA eligible.
From signup to first shipment: online intake, no clinic visit, then free shipping, arrives in 1-2 days. Billing follows a price locked for the life of the plan structure.
Behind the prescription sits unlimited 24/7 specialist access, appointments and messaging. Available medication: compounded semaglutide and compounded tirzepatide (GLP-1+GIP).
TrimRx pros
- Unlimited 24/7 access to specialists, unlimited appointments, messaging, and support
- Free shipping that arrives in 1–2 days
- 0% interest financing through Affirm, Klarna, or Afterpay
- HSA/FSA eligible, use pre-tax dollars toward treatment
TrimRx cons
- Compounded medication only, no branded Ozempic, Wegovy, or Zepbound
- GLP-1+GIP option at $249/month is higher than GLP-1-only entry price
- Direct-pay model, insurance is not billed
Set beside Novi, the thing to weigh: compounded medication only, and insurance is never billed.
Novi in detail
Novi positions itself on the narrowest gap here between semaglutide and tirzepatide pricing, at $133 and $166. $200 OFF - GLP-1 for $133 Today
You start with online intake; medication arrives via free 2-day shipping with every order. The price behaves as published rate per medication.
On the clinical side, no long-term contract, cancel anytime, prescribing compounded semaglutide and compounded tirzepatide.
Novi pros
- Largest patient base on this list, 50,000+ patients, signaling operational maturity
- Competitive pricing: semaglutide from $133/month and tirzepatide from $166/month
- Free 2-day shipping included with every order
- Both compounded semaglutide and tirzepatide available
Novi cons
- Tirzepatide ($166) costs more than the semaglutide entry rate
- Compounded medication only, no branded Ozempic, Wegovy, or Zepbound
- No published outcome or weight loss guarantee
Where it gives ground to TrimRx: the $133 rate depends on a $200-off promotion and there is no outcome guarantee.
TrimRx or Novi: matching the program to the patient
Choose TrimRx if:
- delivery works the way you want it to: free shipping, arrives in 1-2 days
- you want to start on their timeline: online intake, no clinic visit
- you need to spread the cost — HSA/FSA, Affirm, Klarna and Afterpay
- you want the price you sign up at to survive titration
Choose Novi if:
- the twelve-month total is what you are optimizing ($1,596 against $1,788)
- the monthly rate is the constraint — $133/mo against $149/mo
- the level of clinical contact suits you: no long-term contract, cancel anytime
- you would get real value from the narrowest gap here between semaglutide and tirzepatide pricing, at $133 and $166
What each one gives up
On price. Novi is the cheaper program at $133/mo against $149/mo. What Novi gives up for that is the $133 rate depends on a $200-off promotion and there is no outcome guarantee; what TrimRx charges for is Lifetime Price Protection, so the number you sign up at is the number you pay at every dose.
On predictability. Price locked for the life of the plan at TrimRx, against published rate per medication at Novi. The more predictable structure is worth a premium to anyone who has been surprised by a telehealth invoice before.
On access. TrimRx advertises online intake, no clinic visit and free shipping, arrives in 1-2 days; Novi advertises online intake and free 2-day shipping with every order. Neither publishes its state coverage, so confirm you are eligible before paying for anything.
On medication. TrimRx covers compounded semaglutide and compounded tirzepatide (GLP-1+GIP); Novi covers compounded semaglutide and compounded tirzepatide. Neither locks you out of a molecule the other offers, so this is unlikely to be the deciding factor.
The medication, not the platform
Both platforms sell access to the same drug class, so the clinical record below applies equally to each.
SURMOUNT-4 found that continuing tirzepatide maintained and extended weight reduction, while withdrawing it led to substantial regain, per JAMA, SURMOUNT-4.
The SELECT trial found semaglutide reduced major adverse cardiovascular events in adults with overweight or obesity and established cardiovascular disease, without diabetes, per NEJM, SELECT.
Which is to say: the medication decision belongs with a clinician, and the platform decision belongs with a spreadsheet.
TrimRx vs Novi: common questions
Which has more patient reviews, TrimRx or Novi?
Novi, with 50,124 against 18,420. Ratings across this market cluster tightly, so volume is the more useful signal: it indicates how much operational load the platform has already absorbed, not how good the medication is.
Do TrimRx or Novi take insurance?
Both run on a direct-pay basis: you pay the platform and it does not bill your insurer. TrimRx accepts HSA/FSA funds, which is the closest thing to a benefit offset available here.
How fast can I start with TrimRx compared with Novi?
TrimRx advertises online intake, no clinic visit, with free shipping, arrives in 1-2 days. Novi advertises online intake, with free 2-day shipping with every order. Both are subject to clinician review and to whether your state and health history clear, so treat the advertised timeline as a best case rather than a commitment.
What happens if I stop taking the medication?
Both programs are month to month, which makes stopping easy and makes the consequence of stopping the thing to plan for: published extension data shows most of the lost weight returns within about a year. That is an argument for choosing on annual cost rather than entry price.
Is TrimRx or Novi better for a first GLP-1 prescription?
First-timers usually get more from clinical access than from a lower rate, because the first two months are where most people stop. On that basis TrimRx has the stronger case; after month three, cost should take over.
The verdict
On the numbers, Novi wins the year: $1,596 against $1,788. That is the default answer, and it is the right one for anyone who mainly needs a reliable prescription and a shipment that arrives.
TrimRx earns the difference in one situation: when Lifetime Price Protection, so the number you sign up at is the number you pay at every dose is something you will genuinely use. If you cannot say that out loud, take the cheaper program.
Whichever you choose, diarise the month the introductory pricing ends and re-run the comparison then. Neither platform will remind you.
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See every provider in context on the weight loss rankings, or browse the full comparison index.
Disclaimers and methodology
Medical content is informational only and does not replace professional diagnosis, treatment, or emergency care.
Some links are affiliate links and may generate commission at no extra cost to you.
Pricing reflects what each provider published as of the sync date above and changes frequently; confirm the current rate, and the rate at your maintenance dose, before you pay. Six- and twelve-month totals are calculated from those published rates and exclude anything a provider bills separately.
eRxDoctor is an independent publisher. It is not a medical provider, is not affiliated with or endorsed by TrimRx or Novi, and does not sell treatment. Read our ranking methodology.