Is Mochi Health Free? Mochi GLP-1 Cost, Insurance and Refunds
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Mochi Health is not free: membership is $79 a month, or $49 a month on a 12-month plan, according to Mochi's home page, and the medication costs extra, from $60 a month for compounded semaglutide per Mochi's FAQ. New subscribers on the 1-month plan get the first month at $0 in states where the promotion runs. If you have a qualifying insurance plan, Mochi sells a separate insurance membership from $17 a month, and your copays apply on top.
I work on the NutriScan team, which makes a food tracking app, so read this as an outsider's summary of Mochi's public pages. I did not sign up. I read every page below directly on October 24, 2026, and rechecked the home page and FAQ prices on November 9, 2026. The prices had not changed, and none of the pages was captcha-gated. The pages disagree with each other several times, and I flag each gap where it shows up. Mochi changes its prices and promotions often, so check the live page before you pay.
Here is the checklist I worked through, and the order I cover it in:
- ⏳ The membership prices, plan by plan
- ⏳ What the drug costs on top
- ⏳ Insurance, HSA and FSA
- ⏳ A year of costs, added up
- 🔍 The refund cap that limits what you can ever get back (last, in the refunds section)
Prices reflect Mochi Health's home page and FAQ rechecked November 9, 2026; other pages were read October 24, 2026. The terms of use are dated September 22, 2026 and the patient agreement September 18, 2025. Mochi says medication availability and pricing vary by state. Plans, fees and drug prices change, and nothing here is medical advice. Talk to a clinician about whether a GLP-1 drug is right for you.
Mochi Health pricing at a glance (prices rechecked November 9, 2026)
- Membership without insurance: $79 a month on the 1-month plan, $49 a month on the 12-month plan ($588 up front) (FAQ).
- Promotion: first month $0 on the 1-month plan for new subscribers, not in all states (home page).
- Membership with insurance: $119 for 6 months or $199 for 12 months, plus copays (FAQ).
- Medication: priced by dose and not included in membership. Compounded semaglutide from $60 a month, compounded tirzepatide from $90 a month, Wegovy from $199 (home page).
- Insurance: the home page promises prior authorization help, while the patient agreement says Mochi does not directly bill commercial insurance and is not enrolled in Medicare or Medicaid (terms).
- Refunds: prescription sales are final, and subscription refunds are discretionary (refund policy).
- App ratings: 4.92 stars from 17,474 ratings on the App Store (App Store).
Is Mochi Health free? The quick answer
No. Mochi Health is a paid telehealth subscription with a $0 first month as the only free piece. The home page shows a 1-month plan that costs $0 today and then $79 every month, with a footnote that the promotional rate is for new subscribers only and is not available in all states. The same footnote says "Medication and lab panels are not included in membership."
That last line shapes the whole bill. Mochi sells access, which means video visits, a care team, prior authorization help and a patient app. The drug is billed separately, and its price depends on the dose your provider picks. Some competitors fold the drug into one monthly price. Mochi does not, at least on its marketing pages.
Three choices set your bill:
- Insurance or self-pay. The insurance membership starts at $17 a month, and the self-pay membership starts at $49 a month on the longest plan.
- How long you pay for. A 12-month self-pay plan costs $281 less than twelve months of the 1-month plan once the $0 first month is counted, or $360 less without the promotion.
- Which drug. Compounded semaglutide starts at $60 a month, while brand drugs start at $149 to $499 depending on the product.
What Mochi Health costs, plan by plan
Mochi's FAQ has the clearest list. It splits membership into "Covered With Mochi," meaning the insurance route, and "Mochi Health Membership," meaning self-pay.
| Plan | Term | Total | Per month |
|---|---|---|---|
| Self-pay membership | 1 month | $79 | $79 |
| Self-pay membership | 3 months | $207 | $69 |
| Self-pay membership | 6 months | $354 | $59 |
| Self-pay membership | 12 months | $588 | $49 |
| Insurance membership | 6 months | $119 | about $20 |
| Insurance membership | 12 months | $199 | about $17 |
The per-month column is my division of Mochi's totals. Mochi's own pages show only the $79, $49 and $17 figures. The home page calls the $49 rate "the lowest price" for people without insurance and says it holds "for as long as you stay on a 12-month plan."
Where the pages conflict:
- Who Mochi's insurance plan is for. The home page says the insurance plan is "our lowest price," and the FAQ lists it as "Covered With Mochi." Neither page says what counts as a qualifying plan.
- The compounded semaglutide price. The FAQ says it starts "as low as $60/month." A compounded semaglutide landing page says "$146 per 3-month supply, billed once," which works out to about $49 a month. The page does not say which dose that is.
Medication prices: brand and compounded
Mochi's home page lists "as low as" prices by dose; the medications page shows a higher $52 for compounded orforglipron. The cards do not print a billing period, so I read them as the lowest-dose price and not as a promise for every dose.
| Medication | Type | As low as |
|---|---|---|
| Compounded orforglipron | Compounded oral, daily | $31 (home page) or $52 (medications page) |
| Compounded semaglutide | Compounded injection, weekly | $60 |
| Compounded semaglutide pill | Compounded oral, weekly | $62 |
| Compounded tirzepatide | Compounded injection, weekly | $90 |
| Foundayo (orforglipron) | Brand oral, daily | $149 |
| Wegovy Pill | Brand oral, daily | $149 |
| Wegovy | Brand injection, weekly | $199 |
| Ozempic | Brand injection, weekly | $199 |
| Zepbound | Brand injection, weekly | $299 |
| Mounjaro | Brand injection, weekly | $499 |
Wegovy, Zepbound, Foundayo and the Wegovy pill are FDA-approved for chronic weight management, according to Mochi's descriptions. Ozempic and Mounjaro are approved for type 2 diabetes, and Mochi lists both next to the weight loss drugs. Mochi's Wegovy page adds that the price "is based on patient insurance and pharmacy collection," so the card price is not what everyone pays.
The home page also says "Self-pay prices by dose. With insurance, you pay your copay instead." The FAQ adds that "Mochi prices by dose, so your medication cost depends on the weekly dose your provider prescribes." The compounded injection cards show seven or eight dose steps, and I could not find a page that prints the price at the highest dose.
The compounded drugs carry Mochi's standard warning: "Compounded medications are not approved or evaluated by the FDA for safety, effectiveness, or quality."
What the membership includes, and what it does not
The self-pay column on the home page lists unlimited provider visits, care team guidance, prior authorization for branded drugs, a 24/7 care team, and lab panels from $26. Medication is "self-pay, from $31." The insurance column swaps unlimited visits for "your copay" and adds free registered dietitian visits.
Five limits matter:
- Labs cost extra. Lab panels start at $26 and are not in the membership, per the home page footnote.
- Dietitian visits depend on the plan. The home page lists registered dietitian visits as free on the insurance plan only. The FAQ says every member can work one on one with a nutrition and wellness provider.
- Shipping and tax. The FAQ says "No, shipping is included in the medication prices." The terms of use authorize charging taxes, shipping and handling on a medication order. Both can be true, but they point different ways.
- Medication billing differs by document. The patient agreement says prescription costs "are included in the total charged to you as part of your Monthly Subscription Fee." The home page and terms of use say medication is not included in membership. I follow the terms of use and the home page, which are newer.
- Mochi does not practice medicine. The footer says licensed physicians at independent practices provide all medical services, and Mochi Health Corp. provides administrative and technology services.
The terms also describe a Free Membership. If you cancel a paid plan, your account reverts to it, and the terms say it does not include 1:1 video visits with Mochi providers.
One more charge shows up only in the patient agreement. If you miss an appointment without 24 hours of notice, Mochi "may charge a fee of up to $75.00 to your account."
Insurance, Medicare and Medicaid
Mochi's pages describe two different insurance stories.
The marketing story is generous. The home page says "We handle the insurance and get your meds to you," and offers an insurance membership from $17 a month where you "pay your copay for visits and medication." The medications page adds that visits are "billed through your insurance" and that "95% of patients have a $25 copay." The FAQ says coverage "depends on your unique insurance plan," that Mochi's team handles prior authorizations and letters of medical necessity, and that insurers "legally" have 30 days to respond to a prior authorization.
The legal story is narrower. Mochi's patient agreement, updated September 18, 2025, says: "While Mochi currently does not directly bill any commercial insurance plans, if you have coverage through a commercial insurance plan, we may upon request provide you with a coded bill to submit to your insurance company." It also says Mochi is "NOT enrolled with" federal or state programs such as Medicare and Medicaid, so "you are specifically choosing to obtain Services on a cash basis outside of any federal or state healthcare program."
My reading is that copay pricing applies to the drug at the pharmacy, and visit billing may differ from what the home page suggests. If you plan to use insurance, ask before you pay which charges Mochi bills to your plan, which it expects you to submit, and what the first invoice will be.
The terms of use also say the membership fee "is not a covered benefit under most health insurance plans."
HSA and FSA
Mochi's pages give opposite answers. The FAQ asks "Can I use my HSA or FSA account to pay for my Mochi membership?" and answers "Yes!" The terms of use, updated September 22, 2026, say the membership fee "is not a covered benefit under most health insurance plans or other healthcare benefit plans such as the Health Saving Account or Flexible Spending Account," and that you "may not be able to submit" it for coverage.
Your plan administrator makes the final call either way. Ask whether a telehealth membership and a prescription count as separate items, and keep your receipts.
What a year of Mochi Health costs
Membership plus medication plus labs: the year total takes some adding up.
This is my arithmetic from Mochi's pages, not a Mochi quote. I use the lowest "as low as" medication prices, so your real bill rises with your dose. I leave out labs, taxes, any missed-visit fee and promotions other than the $0 first month.
| Setup | Membership for 12 months | Medication at the lowest price | Year total |
|---|---|---|---|
| 1-month plan, compounded semaglutide | $869 | $720 | $1,589 |
| 12-month plan, compounded semaglutide | $588 | $720 | $1,308 |
| 1-month plan, compounded tirzepatide | $869 | $1,080 | $1,949 |
| 12-month plan, compounded tirzepatide | $588 | $1,080 | $1,668 |
Figure 1: The 12-month plan cuts a year from $1,589 to $1,308 on compounded semaglutide and from $1,949 to $1,668 on compounded tirzepatide, at the lowest listed doses. Source: Mochi's home page and FAQ, my arithmetic.
The $869 is eleven months at $79, with the first month at $0 under the promotion. Without the promotion it is $948. I did not price the brand drugs for a year because the cards do not state a billing period. Insurance users pay $199 for twelve months of membership plus their copays, and what the copays add up to depends on the plan.
The 12-month saving is $281 on these examples, or $360 at the full $948 rate. The tradeoff is the exit. Mochi's terms say cancellation takes effect at the end of the current term, and the refund rules below are strict. A $588 payment is not returned if you stop at month four.
Cancellation, refunds and billing
Mochi says "Cancel anytime" in several places. The terms of use give the detail.
- How to cancel. Log in and select "cancel subscription," or call (619) 648-1247. Email requests "will NOT be considered valid."
- When it takes effect. At the end of the current subscription term. You keep the services until then, and the plan does not renew.
- What cancelling does to medication. Cancelling a paid membership also cancels any medication subscription that needs an active membership.
- Medication subscriptions. You can cancel or change one until a refill request goes to the pharmacy. If you re-subscribe, the price "may not be the same."
Email does not count as a cancellation request, so plan on the account page or a phone call.
On refunds, the refund page is short: "all prescription sales are final." Mochi will look into dispensing errors. The terms add three rules:
- Subscription fees. "We do not offer refunds for partially used subscription periods, although we may provide refunds on a case-by-case basis." Any refund is capped at the amount you paid in the month before the request. This is the cap from the checklist at the top: even when Mochi agrees to a refund, it cannot exceed what you paid in that one prior month.
- Months with a visit. You are not eligible for a discretionary refund of a monthly fee for any month in which you saw a Mochi provider.
- Medication fees. Not refundable "once the order has been sent to a Pharmacy for dispensing."
WARNING
A prepaid 3, 6 or 12 month membership is not returned if you stop early, and medication fees are final once the order reaches a pharmacy. Pick a term you are sure you will finish.
I found no money-back guarantee on results and no refund window for a first month. The home page says "No hidden fees," and the terms disclose the late-visit fee, the shipping and tax language and the refund limits, so the fees exist in writing. They are just not on the pages where you sign up.
What the research says
The drugs behind these trials are branded products. None of the trials below tested Mochi, and none tested a compounded drug.
- Semaglutide. In STEP 1, 1,961 adults without diabetes got semaglutide 2.4 mg or placebo, plus lifestyle intervention, for 68 weeks. Mean weight change was -14.9% against -2.4%, and 69.1% on the drug lost 10% or more against 12.0% (Wilding et al., 2021). Novo Nordisk funded the trial.
- Tirzepatide. In SURMOUNT-1, 2,539 adults got tirzepatide or placebo for 72 weeks. Mean weight change at the 15 mg dose was -20.9% against -3.1% on placebo (Jastreboff et al., 2022).
- Drug plus behavioral therapy. In STEP 3, 611 adults got semaglutide or placebo with intensive behavioral therapy over 68 weeks. Weight fell 16.0% against 5.7%, and 75.3% lost 10% or more against 27.0% (Wadden et al., 2021).
- After stopping. In the STEP 1 extension, 327 participants were analyzed after treatment stopped. They regained 11.6 percentage points of the lost weight by week 120 (Wilding et al., 2022). A paid year can end before your weight settles.
- Heart outcomes. In SELECT, 17,604 patients with overweight or obesity and established cardiovascular disease had a primary cardiovascular event in 6.5% on semaglutide against 8.0% on placebo, a hazard ratio of 0.80 (Lincoff et al., 2023).
Mochi publishes its own numbers too, with little method behind them. The FAQ says members in medication-based programs "lose approximately 15% of their weight on average." The compare page says over half of members reach 10% weight loss in six months and that the average first-year loss is 36 pounds. The compounded semaglutide page says patients "lost as much as 27% of body weight in 6 months" and cites a 2026 medRxiv preprint by Erly and Raja on 13,507 Mochi patients. The page itself labels it "not peer-reviewed" and says it "compares drug classes only, not compounded vs. FDA-approved efficacy." I did not find or read the preprint, so I treat these figures as company claims. Mochi's own member stories carry the note that the people quoted "were compensated for sharing their experiences."
What members say in app reviews
The App Store listing, read October 24, 2026, shows "Mochi Health: Weight Loss" from Mochi Health Corp., version 2026.10.12 released October 13, free to download, with 4.92 stars from 17,474 ratings. The Google Play listing shows 4.93 stars from 2,386 ratings.
The most recent 50 written App Store reviews, dated June 26 to October 20, 2026, split 42 five-star and 8 one-star, an average of 4.36. The five-star reviews mostly praise provider response time and a clear first visit.
Five of the eight one-star reviews concern billing, canceled appointments or reachability. Examples:
- An October 19 review says the reviewer was charged $207 without using the service, disputed it, and was told refunds are not in the policy. $207 matches the 3-month membership price in the FAQ, though the review does not say which plan it was.
- A September 17 review says the company took the membership money and did not respond.
- An August 4 review says every month brings a struggle to get a Zepbound prescription filled.
I cannot verify any account, and eight reviews are not a pattern. They do match the refund and cancellation rules above.
Mochi Health compared with Noom Med
Mochi and Noom Med both sell a subscription that surrounds a prescription with a program. They differ in how the price is built. Mochi sells a membership and prices the drug by dose separately, with cheaper compounded options and an insurance route. Noom Med bundles behavior coaching. Our Noom Med pricing breakdown covers its tiers, our Noom Med worth-it review weighs cost against support, and our list of Noom Med alternatives puts several telehealth programs side by side.
The same breakdown exists for Henry Meds, Calibrate and Found, if you are comparing GLP-1 programs. If you have insurance, our Knownwell cost guide covers a clinic with no membership fee that bills visits to your plan.
Who Mochi Health fits, and who should look elsewhere
It may fit you if:
- You want a lower-cost entry through compounded semaglutide or tirzepatide and accept the FDA caveats that come with them.
- You have a plan that covers a branded GLP-1 and want a team to file the prior authorization.
You may want another option if:
- You want one bundled price. Mochi's membership excludes medication and labs.
- You are unsure you will stay. A prepaid term is not returned, and refunds are discretionary.
- You rely on Medicare or Medicaid. Mochi's patient agreement says it is not enrolled in either.
How to price Mochi Health before you pay: 5 steps
- Pick the medication first. Mochi sells compounded semaglutide from $60 a month, compounded tirzepatide from $90 a month and brand drugs such as Wegovy from $199. Membership is a separate charge on top.
- Choose the membership term. A 12-month plan costs $588, or $49 a month, against $79 a month on the 1-month plan. The longer term saves $360 over a year but is not refundable.
- Check the insurance route. If you have a qualifying plan, the insurance membership is $199 for 12 months plus copays. Ask whether your plan covers the drug and whether Mochi will bill it or give you a coded bill.
- Know the refund rules. Prescription sales are final and medication fees are not refundable once the order reaches a pharmacy. Subscription refunds are discretionary and capped at one month of fees.
- Cancel the right way. Cancel in your account or by phone, not by email. Cancellation takes effect at the end of the current term.
Tracking food on or off a GLP-1 drug
Whatever program you pick, a record of what you eat makes visits more useful, especially when appetite drops and protein falls behind. NutriScan, the app my team makes, estimates calories and macros from a photo of a meal, and it lets you log blood glucose readings by hand on the Free plan. The Free plan allows 5 scans a week, and Premium costs about $59 a year, described in our pricing breakdown. NutriScan has no clinicians, cannot prescribe, and does not replace Mochi or your doctor. Our Ozempic diet plan covers what to eat when appetite drops. Photo estimates can also miss hidden oil in mixed dishes. What the app gives you is a record to bring to an appointment.
TIP
Bring a week of meal photos or notes to your next Mochi visit. Protein intake and portion sizes are easier to adjust when the clinician can see what you actually ate.
Mochi Health pricing FAQ
Is Mochi Health free?
No. Mochi charges a membership of $79 a month, or $49 a month on a 12-month plan, and the first month is $0 on the 1-month plan for new subscribers in states where the promotion applies. Medication costs extra, from $60 a month for compounded semaglutide and $90 a month for compounded tirzepatide.
How much does Mochi Health cost per month?
Without insurance, membership is $79 a month on the 1-month plan, $69 on the 3-month plan ($207), $59 on the 6-month plan ($354) and $49 on the 12-month plan ($588), per Mochi's FAQ. Medication is a separate charge priced by dose. With a qualifying insurance plan, membership is $119 for 6 months or $199 for 12 months, plus copays.
Does insurance cover Mochi Health?
Partly, and the pages disagree. Mochi's home page offers an insurance plan from $17 a month with prior authorization help. Its patient agreement, updated September 18, 2025, says Mochi does not directly bill commercial insurance, is not enrolled in Medicare or Medicaid, and may give you a coded bill to submit yourself. Check your plan before you pay.
Can I get a refund from Mochi Health?
Rarely. Prescription sales are final, and medication fees cannot be refunded once an order goes to a pharmacy. The terms say there are no refunds for partially used subscription periods, though Mochi may grant one case by case, capped at the fee paid in the previous month.
Can I use my HSA or FSA for Mochi Health?
Unclear. Mochi's FAQ answers Yes to HSA and FSA use for membership. Its terms of use say the membership fee is not a covered benefit under most plans, including HSA and FSA. Ask your plan administrator before you pay.
How do I cancel Mochi Health?
Log in and select cancel subscription, or call (619) 648-1247. The terms say email is not a valid way to cancel. Cancellation takes effect at the end of your current term, so a prepaid 6 or 12 month plan runs to its end and is not refunded.