Zealthy vs Klarity Health
Most online GLP-1 providers are cash-pay. These two aren't, and they take opposite approaches to the same problem: Zealthy works your prior authorization for you, Klarity just bills your plan and lets your pharmacy benefit do the rest.
Reviewed August 2026
Klarity Health
Pay-as-you-go visits with insurance accepted and no subscription
Head-to-Head Comparison
| Feature | Zealthy | Klarity Health |
|---|---|---|
| Overall rating | 3.2/5 | 3.9/5 |
| Medications offered | Compounded Semaglutide, Compounded Tirzepatide, Ozempic, Wegovy, Zepbound, Mounjaro | Wegovy, Ozempic, Zepbound, Mounjaro, Saxenda, Phentermine, Qsymia, Contrave, Metformin |
| Brand-name or compounded | Both. Zealthy coordinates insurance coverage for brand-name Ozempic, Wegovy, Zepbound, and Mounjaro, and separately sells cash-pay compounded semaglutide and tirzepatide for members without coverage. | Brand-name and generic prescription medication sent to a retail pharmacy. Klarity's weight-loss pages list FDA-approved GLP-1 injectables and oral weight-management drugs; the pages do not describe a compounded pathway. |
| Membership fee | Zealthy advertises a $39 first month for its standard program. It also sells bundled doctor-plus-medication plans: the semaglutide bundle is $217 for the first month then $297 per month, and the tirzepatide bundle is $349 for the first month then $449 per month. | None. Klarity runs pay-as-you-go pricing with no subscription. Self-pay visits start at $51, with an estimated provider visit cost of $50 to $60 depending on location. |
| Medication cost | Purchased separately from the standard membership, compounded semaglutide starts as low as $151 per month and compounded tirzepatide starts as low as $216 per month, with a 20% discount on three-month supplies. With insurance, Zealthy states some members pay as little as a $25 monthly copay for brand-name medication. | Medication is billed by your pharmacy, not by Klarity. Klarity estimates $5 to $80 for oral weight-loss medications and $25 to $1,500 for GLP-1 medications, depending on insurance and pharmacy. That wide range reflects the difference between a covered copay and an uninsured cash price. |
| Insurance | Zealthy works with insurance and assigns an insurance coordinator to help maximize coverage, including for brand-name Ozempic, Wegovy, Zepbound, and Mounjaro. The program also operates for members without any coverage. | Klarity accepts more than 400 insurance plans and supports out-of-network reimbursement. Because prescriptions go to your own pharmacy, a covered brand-name GLP-1 runs through your normal pharmacy benefit rather than a cash-pay program. |
| HSA/FSA | Accepted. Zealthy states it takes HSA and FSA cards as payment for eligible services. | Accepted. Klarity states that HSA and FSA cards are accepted for its services. |
| Lab requirements | Not specified on Zealthy's public weight-loss pages. Ask what baseline labs your provider will require and whether recent labs from your own physician are accepted. | Ordered at the provider's discretion. Klarity notes that lab work, if needed, may require a trip to an office or facility. |
| Shipping | Medication ships monthly by default. Members can delay shipments or opt for a three-month supply, which carries a 20% medication discount. | Not applicable in the usual sense — there is no medication subscription or recurring shipment. You fill and refill at your own pharmacy. |
| Cancellation | Members can cancel at any time through the account portal. Zealthy states that once a membership is canceled, prior authorizations for GLP-1 medications are discontinued and refills are no longer available — so cancel only when you have your next source of medication lined up. | There is no subscription to cancel. Klarity's FAQ addresses discontinuing care, but the specific terms are not published on the weight-loss page — confirm appointment cancellation and no-show policies when booking. |
The Verdict
If you expect a fight with your insurer — a prior authorization, a step-therapy requirement, a previous denial — Zealthy is built for that, with coordinators who pursue coverage and a compounded cash-pay fallback if it fails. If your coverage is straightforward, Klarity is cheaper and simpler: no subscription at all, visits from around $51, 400+ plans accepted, and the prescription goes to your own pharmacy so your normal benefit applies. The trade-off is support. Klarity gives you a visit and a prescription and nothing else — no coaching, no delivery, no program. Zealthy gives you 24/7 provider access and an insurance advocate, but wraps it in a pricing structure that takes real effort to understand, and cancelling immediately kills your prior authorizations and refills. One more thing to weigh: Zealthy's public review scores are notably weaker than Klarity's — Trustpilot sits at 3.2 across roughly 2,200 reviews, with billing complaints about unexpected charges and cancellation difficulty as the recurring theme. Members who win coverage often report good outcomes, but confirm every recurring charge in writing before you enroll.
Choose Zealthy if you
- ✓Have been denied coverage before or expect prior authorization trouble
- ✓Want someone else to work your insurance case
- ✓Want a compounded cash-pay fallback if coverage fails, without switching companies
- ✓Value 24/7 provider access included in the price
Choose Klarity Health if you
- ✓Have straightforward coverage and just need a prescription
- ✓Want no subscription or recurring charge at all
- ✓Prefer to choose your own provider and your own pharmacy
- ✓Need an appointment fast — generally available within 24 hours
- ✓Want to avoid recurring-billing risk entirely — there's no subscription to dispute
How each handles insurance
| Zealthy | Klarity Health | |
|---|---|---|
| Approach | Coordinators pursue coverage on your behalf | Accepts 400+ plans, bills directly |
| Prescription goes to | Program pharmacy or your pharmacy | The pharmacy you choose |
| Subscription | Yes — $39 first month, ongoing rate varies | None — pay per visit from ~$51 |
| Cash-pay fallback | Compounded semaglutide from ~$151 | None — you pay your pharmacy's price |
| HSA/FSA | Accepted | Accepted |
| Support | 24/7 provider access, coaching optional | Unlimited messaging, no coaching program |
| Cancellation risk | Ends prior authorizations and refills | No subscription to cancel |
The cancellation trap worth knowing about
Zealthy states that once a membership is canceled, prior authorizations for GLP-1 medications are discontinued and refills are no longer available. That is a meaningful commitment — if the coordinator wins you coverage, that coverage is tied to staying enrolled.
Klarity has no equivalent exposure because there is no subscription. Your prescription lives at your own pharmacy and your coverage is your own.
Frequently Asked Questions
Which is cheaper?
Klarity, in most cases — there's no subscription, and visits run around $51. Zealthy can end up cheaper overall if its coordinators secure coverage that brings your medication copay down to $25 when you'd otherwise pay cash.
Do both accept HSA and FSA cards?
Yes. Both state they accept HSA and FSA cards for eligible services.
Which one offers compounded medication?
Zealthy offers compounded semaglutide and tirzepatide as a cash-pay fallback. Klarity's weight-loss pages list FDA-approved GLP-1s and oral weight-management drugs and do not describe a compounded pathway.
What if my plan excludes weight-loss drugs entirely?
Neither can fix that — an exclusion is a benefit design decision, not a clinical one that appeals can overturn. Zealthy at least gives you a compounded cash-pay fallback in the same program; with Klarity you'd be paying your pharmacy's cash price.
Which has better user reviews?
Klarity. Zealthy's Trustpilot score sits at 3.2 across roughly 2,200 reviews, with billing complaints as the dominant negative theme. That is worth weighing against its insurance coordination, which members who successfully get coverage rate highly.
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Sources & Disclaimer
Date reviewed: August 2026
Medical disclaimer: This comparison is informational and is not medical advice or an endorsement. Insurance outcomes depend entirely on your specific plan, and coordination is not a guarantee of coverage. Pricing and program terms change frequently — verify current details directly with each provider. Compounded medications are not FDA-approved. Only a licensed clinician who knows your medical history can determine whether a GLP-1 medication is appropriate for you.