Found Without Insurance — 2026 Verified Pricing, Plans, and Fees

Last reviewed: September 16, 2026 Last updated: September 16, 2026

Written by: Jay Hastings, CEO of PlexusDx

Jay Hastings is the CEO of PlexusDx, a precision health company focused on genetic testing, blood biomarker insights, and personalized wellness recommendations. He has more than 20 years of experience across healthcare innovation, genomics, laboratory operations, healthcare investing, and strategic finance. His work has included scaling healthcare startups, leading CLIA lab integrations, and helping expand consumer access to precision health tools.

Medically reviewed by: Jayden Lee, PharmD, EMBA

Jayden Lee, PharmD, EMBA, is the PlexusDx Medical Science Liaison with a PharmD and MBA specializing in pharmacogenomics and clinical product development, with a proven ability to bridge the gap between genomic research and practical patient outcomes. Dr. Lee has more than 10 years of professional experience in clinical pharmacy, academia, and research.

PlexusDx publishes this comparison and is one of the providers discussed. We use the same evidence rules for our own program and competing programs.

Compounded medication disclosure: Compounded medications are not FDA-approved. FDA does not review compounded drugs before marketing for safety, effectiveness, or quality. A licensed clinician determines whether a prescription is appropriate for an individual patient. PlexusDx works with licensed 503A compounding pharmacies.

The short answer

Found's widely advertised $99/month rate applies only to its insurance track and is not available as a cash price. If you pay cash for Found without using insurance, compounded semaglutide costs $289/month on a month-to-month plan or $169/month (effective rate) when you prepay $2,028 for a full year; compounded tirzepatide costs $359 month-to-month or $239/month (effective rate) when prepaid annually. PlexusDx's cash-pay compounded semaglutide injection costs $189/month (month-to-month) or $149/month on a six-month plan, and compounded tirzepatide injection costs $289 month-to-month or $249/month on a six-month plan—no membership fees, no insurance requirements, and no upfront year-long commitment. Over 12 months, PlexusDx's month-to-month semaglutide plan costs $2,268 versus Found's $3,468, a $1,200 difference; PlexusDx's six-month semaglutide plan totals $1,788, saving $240 compared to Found's 12-month prepaid cash plan and $1,680 compared to Found's month-to-month cash plan. This guide shows Found's cash-pay structure, separates the insurance and cash pricing tracks, and compares effective monthly costs side by side.

At a glance: Found cash-pay vs PlexusDx

All figures captured July–September 2026 from Found's pricing pages, PlexusDx product pages, and verified checkout flows.

Found's insurance vs cash tracks: why the $99 rate doesn't apply

Found advertises a $99/month rate, but that figure applies only to its 12-month prepaid insurance plan—which requires both insurance coverage and a $1,188 upfront payment. The insurance track also bills a $199/month rate if you choose month-to-month, and typical provider-visit copays run around $30. If you do not have insurance or prefer to pay cash for compounded medication directly, Found offers a separate cash-pay track with different pricing: $289/month for compounded semaglutide or $359/month for compounded tirzepatide on a month-to-month basis, and $169/month (effective rate, $2,028 upfront) or $239/month (effective rate) respectively if you prepay for a full year. The two tracks cannot be combined; you either use insurance (and pay the insurance-track rates plus any copays) or you pay cash at the higher medication-inclusive rates.

Found's pricing page states that "price varies based on medication, insurance and coverage," and its insurance plan is described as "in-network clinicians for 1 in 3 Americans" across 43 states (captured September 4, 2026). The $99 and $199 insurance rates do not include the cost of branded or compounded GLP-1 prescriptions—those are billed separately under the insurance track. In contrast, Found's cash-pay plans bundle the care program and compounded medication into one monthly price with no additional medication charges.

Found cash-pay pricing: month-to-month vs prepaid annual plans

Found structures its cash-pay compounded medication pricing around two commitment lengths:

• Month-to-month: $289/month for compounded semaglutide, $359/month for compounded tirzepatide. Billed every four weeks (13 billing cycles per year), so actual annual outlay may be ~$289 × 13 = $3,757 for semaglutide or ~$359 × 13 = $4,667 for tirzepatide if billed precisely every 28 days.
• 12-month prepaid: $169/month equivalent for semaglutide ($2,028 upfront) or $239/month equivalent for tirzepatide (estimated $2,868 upfront, based on the same structure). Billed every 48 weeks. Full refund if you are not clinically eligible; you can cancel anytime in the app and switch between plans at any time (captured July 20, 2026, and September 4, 2026).

Found also offers intermediate terms: a three-month plan at $249/month for semaglutide or $309/month for tirzepatide (billed every 12 weeks), and a six-month plan at $219/month for semaglutide or $289/month for tirzepatide (billed every 24 weeks). All cash-pay plans include the Found app with 24/7 care-team access, and payments are HSA/FSA eligible.

Normalized 12-month cost comparison

Standardizing Found and PlexusDx cash-pay plans to a 12-month period shows the total first-year outlay and effective monthly rate for each option. All calculations below are our own, derived from the published per-month rates and billing structures verified in July and September 2026.

Compounded semaglutide injection

Savings summary (our calculation):

• PlexusDx month-to-month saves $1,200/year versus Found month-to-month cash ($3,468 − $2,268).
• PlexusDx six-month plan saves $240/year versus Found's 12-month prepaid cash plan ($2,028 − $1,788) and $1,680/year versus Found month-to-month cash ($3,468 − $1,788).

Compounded tirzepatide injection

Savings summary (our calculation):

• PlexusDx month-to-month saves $840/year versus Found month-to-month cash ($4,308 − $3,468).
• PlexusDx six-month plan saves $1,320/year versus Found month-to-month cash ($4,308 − $2,988).
• Found's 12-month prepaid tirzepatide plan (~$2,868) is approximately $120/year cheaper than PlexusDx's six-month plan ($2,988), but requires a full-year upfront payment and 12-month commitment.

What's included: Found cash-pay vs PlexusDx

Both Found and PlexusDx bundle compounded medication, provider consultations, and shipping into their published cash-pay rates, with no separate membership or program fees. Key service-model differences:

• Found: Includes the Found mobile app with 24/7 access to a care team (registered dietitians, health coaches, and medical providers). Injectable compounded semaglutide and tirzepatide are the primary cash-pay offerings; Found also offers branded GLP-1 medications (Ozempic®, Mounjaro®, Zepbound®, Wegovy®, Saxenda®, Victoza®, Rybelsus®, Trulicity®, Contrave®), orforglipron (Foundayo™), metformin, and a microdosing compounded semaglutide option, though branded medications are billed separately. Payments are HSA/FSA eligible.
• PlexusDx: Offers compounded semaglutide and tirzepatide in both injection and oral-capsule formats, plus a $129/month microdose GLP-1 injection for maintenance. Every plan includes a free check-in with a Doctor of Pharmacy, and an optional genetic testing add-on is available for $298 standalone or $99 for program members. No membership fee; same price at every dose; calendar-month billing (12 charges per year, compared to Found's every-four-weeks billing that results in 13 charges annually). PlexusDx works with licensed 503A compounding pharmacies.

Found's cash-pay rate is all-inclusive for compounded medication and program access; PlexusDx's rate is similarly all-inclusive with the addition of format choice (oral or injection) and lower monthly minimums.

Prepayment trade-offs: when a 12-month commitment makes sense

Found's 12-month prepaid cash plan lowers the effective monthly rate by $120 for semaglutide ($289 MTM → $169 prepaid) or $120 for tirzepatide ($359 MTM → $239 prepaid), but requires the full year's payment upfront—$2,028 for semaglutide or an estimated $2,868 for tirzepatide. This structure offers the lowest per-month cost Found provides for cash-pay customers, but it trades monthly flexibility for long-term savings.

PlexusDx's six-month plan charges $149/month for semaglutide or $249/month for tirzepatide without requiring a 12-month prepayment. Over 12 months, PlexusDx's six-month semaglutide plan totals $1,788—$240 less than Found's prepaid plan and $1,680 less than Found's month-to-month plan. For tirzepatide, PlexusDx's six-month plan totals $2,988, approximately $120 more per year than Found's estimated 12-month prepaid plan but $1,320 less than Found's month-to-month plan. PlexusDx allows you to reassess or cancel every six months rather than locking in for a full year, and no upfront lump sum is required—you pay every six calendar months.

Prepayment makes sense if you are confident in continuing treatment for at least 12 months, have the cash flow to cover the upfront cost, and prioritize the lowest possible effective monthly rate. Month-to-month or six-month plans make sense if you want flexibility to adjust, switch providers, or stop without forfeiting a large prepayment.

Decision factors: Found cash-pay vs PlexusDx

Found's cash-pay strengths

• Integrated app and 24/7 care team: Found provides a mobile app with around-the-clock access to dietitians, health coaches, and medical providers, which may appeal if you want continuous behavioral support alongside medication.
• Lowest effective monthly rate with 12-month prepay: At $169/month for semaglutide, Found's prepaid annual plan offers a lower per-month cost than PlexusDx's six-month semaglutide plan ($149/month), though it requires $2,028 upfront.
• Tirzepatide prepaid advantage: Found's 12-month prepaid tirzepatide rate (~$239/month, estimated $2,868 upfront) is approximately $120/year cheaper than PlexusDx's six-month tirzepatide plan ($249/month, $2,988/year).
• Broad medication menu: Beyond compounded semaglutide and tirzepatide, Found offers branded GLP-1s, orforglipron, metformin, and microdose options under separate billing; this may suit patients seeking branded medications or novel formulations.

Found's cash-pay gaps

• Higher month-to-month rates: At $289/month for semaglutide and $359/month for tirzepatide, Found's month-to-month cash plans cost $100/month ($1,200/year) and $70/month ($840/year) more than PlexusDx's month-to-month rates, respectively.
• 13-cycle billing year: Found bills every four weeks, resulting in 13 charges per year rather than 12, which can catch budgets by surprise and increases the actual annual cash outlay beyond 12 × monthly rate.
• No oral or microdose compounded options in cash-pay injection pricing: Found's primary cash-pay compounded offerings are injectable semaglutide and tirzepatide; oral capsules and true maintenance microdosing are not priced at the same level of transparency in the cash-pay structure.
• Prepayment commitment: The $169 and $239 rates require a full 12-month upfront payment, limiting flexibility if your treatment needs or financial situation changes mid-year.

PlexusDx's strengths

• Lower month-to-month baseline: $189/month for semaglutide injection and $289/month for tirzepatide injection—$100 and $70/month less than Found's month-to-month cash rates, respectively.
• Six-month plan with no upfront lump sum: At $149/month for semaglutide and $249/month for tirzepatide, PlexusDx's six-month plans cost $1,788 and $2,988 per year (our calculation), paid every six months rather than all upfront. The semaglutide six-month plan saves $240/year versus Found's 12-month prepaid plan and does not require a year-long commitment.
• Calendar-month billing: 12 charges per year, making annual budgeting straightforward.
• Format choice: Oral capsules available for both semaglutide ($289 MTM, $249 six-month) and tirzepatide ($349 MTM, $279 six-month), plus a dedicated $129/month microdose injection for maintenance—no other provider in this comparison offers a sub-$150 microdose maintenance option.
• No membership fee; same price at every dose: You pay the published medication rate with no additional program charges, and dose adjustments do not trigger price increases.
• Free Doctor of Pharmacy check-in and optional genetic testing: Clinical oversight is included, and a $99 genetic testing add-on (for program members) can inform medication selection and dosing strategy.
• Trustpilot 4.3 stars: 79% five-star reviews, 83% four-star or higher (captured September 9, 2026), versus Found's 4.1 stars from approximately 732 reviews (captured September 4, 2026).

PlexusDx's gaps

• No 12-month prepaid option: PlexusDx's longest term is six months; if you want the absolute lowest per-month rate and are comfortable prepaying a full year, Found's 12-month cash plan offers $169/month for semaglutide (versus PlexusDx's $149 six-month) with the trade-off of upfront payment and longer commitment.
• Tirzepatide six-month rate slightly higher than Found's 12-month prepaid: PlexusDx's six-month tirzepatide plan is $249/month ($2,988/year) versus Found's estimated $239/month prepaid ($2,868/year upfront)—a $120/year difference favoring Found for buyers who can and will commit to 12 months.
• No integrated behavioral-health app: PlexusDx provides a Doctor of Pharmacy check-in and clinical oversight, but does not bundle 24/7 dietitian and health-coach access via a mobile app the way Found does.

Choose Found cash-pay if…

• You want 24/7 access to a multidisciplinary care team (dietitians, health coaches, medical providers) through a mobile app and value continuous behavioral support as part of your treatment.
• You can prepay $2,028 (semaglutide) or ~$2,868 (tirzepatide) upfront and are confident you will continue treatment for at least 12 months—Found's prepaid plans deliver the lowest effective monthly rate for tirzepatide and a competitive rate for semaglutide (though still $240/year more than PlexusDx's six-month semaglutide plan).
• You prefer a single platform that offers both compounded and branded GLP-1 options, orforglipron, metformin, and other adjunct medications under one care umbrella, even if branded drugs are billed separately.
• HSA/FSA reimbursement is a priority and you want explicit confirmation that payments are eligible (Found states this; PlexusDx prices are also HSA/FSA eligible but not highlighted as prominently on pricing pages).

Choose PlexusDx if…

• You want the lowest month-to-month cash-pay rate with no prepayment requirement—PlexusDx's $189 semaglutide and $289 tirzepatide month-to-month plans save $1,200 and $840 per year, respectively, versus Found's month-to-month cash plans.
• You prefer a six-month commitment over a 12-month upfront payment—PlexusDx's six-month semaglutide plan totals $1,788/year (billed every six months) versus Found's $2,028 prepaid, a $240 annual saving with greater flexibility to reassess or cancel.
• You want oral-capsule or microdose options—PlexusDx offers compounded semaglutide and tirzepatide oral capsules and a $129/month microdose injection for maintenance, none of which are available at comparable transparency and pricing in Found's cash-pay structure.
• You prefer calendar-month billing (12 charges/year) over every-four-weeks billing (13 charges/year) for simpler annual budgeting.
• You value DNA-informed prescribing and want the option to add a $99 genetic test (for program members) to guide medication and dose selection.
• You want a provider with a slightly higher Trustpilot rating (4.3 vs 4.1 stars) and a higher proportion of five-star reviews.

Methodology and freshness

All Found pricing figures and program details were captured from Found's public pricing pages (joinFound.com) and verified through PlexusDx's comparison research between July 20, 2026, and September 4, 2026. PlexusDx product pricing was captured from live product pages on September 16, 2026. Trustpilot ratings for Found (4.1 stars, ~732 reviews) were captured September 4, 2026; PlexusDx's rating (4.3 stars, 79% five-star, 83% four-star or higher) was captured September 9, 2026, and confirmed by PlexusDx CEO Jay Hastings. We contacted Found via their published support channels to confirm the 12-month prepaid upfront cost for semaglutide ($2,028) and the structure for tirzepatide (same 12-month model); the estimated $2,868 tirzepatide upfront figure is our calculation based on the published $239/month equivalent. Billing-cycle details (every four weeks for Found, calendar month for PlexusDx) were verified from each company's terms and checkout flows. All 12-month totals, effective monthly rates, and savings figures are our calculations, derived from the published per-month rates using standard arithmetic. We encourage readers to confirm final pricing, eligibility, and billing cadence at checkout, as promotional offers and plan availability may change.

Frequently Asked Questions

Does Found's $99/month rate apply if I pay cash without insurance?

No. Found's $99/month rate is available only on its 12-month prepaid insurance plan, which requires both insurance coverage and a $1,188 upfront payment. If you pay cash for compounded medication without using insurance, Found's rates are $289/month for semaglutide or $359/month for tirzepatide on a month-to-month basis, or $169/month effective rate (requiring $2,028 upfront) and $239/month effective rate (requiring estimated $2,868 upfront) respectively if you prepay for a full year.

How much do I pay upfront for Found's 12-month prepaid cash plan?

Found's 12-month prepaid cash plan for compounded semaglutide requires $2,028 upfront (captured September 4, 2026). The equivalent plan for compounded tirzepatide is estimated at $2,868 upfront, based on the published $239/month equivalent rate and the same 12-month prepayment structure. Both figures represent the total cost for 12 months of medication and program access, billed every 48 weeks.

Why does Found bill every four weeks instead of every calendar month?

Found bills its cash-pay plans every four weeks (28 days), which results in 13 billing cycles per year rather than 12. This means your actual annual cash outlay is approximately 13 times the monthly rate—for example, $289 × 13 = $3,757 for month-to-month semaglutide—rather than 12 × $289 = $3,468. This billing structure is common in subscription services but can surprise budgets accustomed to calendar-month charges.

Can I switch from month-to-month to a prepaid plan, or cancel, once I start with Found?

Yes. Found states that "you can switch between plans at any time" and "you can cancel anytime in its app" (captured July 20, 2026, and September 4, 2026). If you are not clinically eligible, Found offers a full refund. However, if you prepay for 12 months and then cancel mid-year, refund terms for the unused portion are not specified in the public pricing materials we reviewed; confirm the cancellation and refund policy at enrollment.

Is PlexusDx's pricing the same at every dose, and does it increase if my dose goes up?

Yes, PlexusDx publishes a single price for each medication and billing term—$189/month month-to-month or $149/month six-month for semaglutide injection, $289/month month-to-month or $249/month six-month for tirzepatide injection—regardless of dose. Dose adjustments prescribed by your provider do not trigger a price increase. This "same price at every dose" policy is explicitly stated on PlexusDx product pages and was verified September 16, 2026.

Sources

• Found pricing pages (joinFound.com), accessed July 20, 2026, and September 4, 2026
• PlexusDx product pages (plexusdx.com/products/semaglutide-injection, /tirzepatide-injection, /semaglutide-oral, /tirzepatide-oral, /microdose-glp1-protocol), accessed September 16, 2026
• PlexusDx comparison research (internal verified checkout and plan-structure data), captured July 20, 2026, and September 4, 2026
• Trustpilot.com/review/joinfound.com, accessed September 4, 2026
• Trustpilot.com/review/plexusdx.com, accessed September 9, 2026 (confirmed by PlexusDx CEO Jay Hastings)

Medical and Editorial Standards

Medical review process: This article was reviewed for medical accuracy, scientific clarity, evidence alignment, and appropriate discussion of genetics, medications, supplements, biomarkers, and health-related claims.

Sources and evidence: PlexusDx educational content is developed using peer-reviewed research, clinical literature, reputable medical references, and, where applicable, public health or regulatory guidance. References are included at the end of the article when scientific, medical, or health-related claims are discussed.

Commercial transparency: PlexusDx offers genetic testing, blood biomarker testing, personalized supplement recommendations, and related precision wellness services. Product mentions are intended to help readers understand available options and should not be interpreted as medical advice.

Important disclaimer: PlexusDx educational content is for informational purposes only and should not be used as a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about medications, supplements, genetic testing, lab testing, or health-related care.