Can You Use an HSA or FSA for Weight Loss with Calibrate? | Calibrate

If weight loss is recommended by your clinician, you can use your FSA/HSA to pay for your Calibrate membership. Join today and achieve a minimum of 10% weight loss, guaranteed (see terms).

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HSAs (Health Savings Accounts) and healthcare FSAs (Flexible Spending Accounts) are tax-advantaged accounts that can be used to cover qualified healthcare expenses, including certain weight-loss services and products.

Specifically, HSA and FSA funds can cover expenses that relieve or prevent physical or emotional disability or illness. The IRS Publication 502 provides a detailed list of eligible expenses; you can also confirm eligibility with your account administrator.

In some cases, a clinician’s recommendation can make an otherwise ineligible expense HSA- or FSA-eligible. For example, weight loss expenses often qualify if they are recommended for a specific medical condition, such as acid reflux, arthritis, back pain, heart disease, hypertension, obesity, PCOS, prediabetes, or type 2 diabetes.

The Calibrate membership fee of $199/month is typically HSA- or FSA-eligible—and you can also use HSA or FSA funds to help pay for any portion of your GLP-1 prescription not covered by insurance.

Pricing Details

December 31 is a common deadline for spending the money in your Flexible Spending Account (FSA)—but not all FSA plans follow this date. If you have a Health Savings Account (HSA), there are no deadlines for reimbursements.

Qualifying individuals can use an FSA or HSA to pay for weight loss through Calibrate and expect the following benefits:

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Your team is dedicated to helping you achieve meaningful, sustainable weight loss. On average, Calibrate members achieve 18% weight loss sustained over two years.

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Month 0-3

Learning

Learn the foundations of metabolic health

In the first three months, you’ll start your GLP-1 prescription, meet with a member of your coaching team every other week, and establish your bi-weekly goals. You’ll also read 1-2 lessons per week to lay the groundwork for your Metabolic Reset.
Your focus during this time frame will be learning the core Calibrate principles of food, exercise, sleep, and emotional health that will serve as the foundation for your program.
Most Calibrate members start to experience weight loss and notice other health improvements within their first three months. However, if you find that Calibrate isn’t working for you after a minimum 3-month commitment, you may cancel your membership penalty-free.

Month 3-6

Practicing

Start practicing what you’ve learned

In months three through six, you’ll continue meeting with your coach every other week. You’ll continue to read about 2 lessons per week, covering skills that build on the fundamentals you learned during the first three months.
At this stage, you’ll have more flexibility as the curriculum becomes more modular and you can choose “focus classes” in areas of your choice. Overall, these months are centered on practicing the food, exercise, sleep, and emotional health principles you’ve learned so far and starting to transform them into habits.

Month 6-9

Setting & Reinforcing

Refine and reinforce your habits to fit your life

By month six, most members will have met some of their goals or will be close to doing so (nice!). You’ll continue meeting with your coach every other week and will keep progressing through the curriculum during months six through nine.
Your focus during this time frame will transition from practicing to setting healthy habits and making them part of your daily routine. You’ll work with your coach to make your habits easy to remember and tough to sabotage, using journaling and other proven tactics to help reframe your mindset.

Month 9+

Sustaining

Ensure you’re set up for lasting success

During month nine and beyond, you’ll continue to meet with a member of your coaching team on a biweekly basis to evaluate your goals and progress and talk about any challenges you’ve been facing. You’ll be able to choose additional “focus classes” in areas of your choice to help personalize your learning.
As you approach one year of your Calibrate program, your focus will be on sustaining the habits and health improvements you’ve made so far—and celebrating your progress! You’ll work with your coach to synthesize what you’ve learned and define the toolkit that will help you maintain your results long-term.

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Frequently
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Everything you need to know about Calibrate pricing & using your HSA or FSA to pay for your membership.

The majority of commercial insurance plans cover GLP-1 medications after any deductible is met, but each plan's coverage can be unique. At Calibrate we have a team of insurance navigation experts to help you access an initial GLP-1 medication prescription that's typically around $25/month or less (after any deductible is met). We’ve helped tens of thousands of members access affordable GLP-1s. However, in the unlikely scenario that there is no path to a low-cost GLP-1 for you, rest assured we still guarantee results.

Although medication is an important aspect of our program, medical experts agree: the combination of GLP-1 medication and lifestyle changes is the most effective approach to sustainable weight loss. With this in mind, we guarantee that if you stick with Calibrate for 12 consecutive months, you will lose at least 10% of your body weight, with or without the GLP-1 medication or you'll be eligible for money back! (see terms)

We’ll work with your commercial/employer insurance to get your labs and medication covered. Medication should be typically capped at $25 or less per month after any deductible is met.

If you’d like to confirm that your commercial/employer insurance plan covers the medications and labs that Calibrate doctors prescribe/order before joining Calibrate, you can reach out directly to your insurer and ask the following questions:

Does my plan cover GLP-1 (glucagon-like peptide) medications?

If not, is step therapy an option?

Does my plan cover the following lab tests? Is there a copay?

Hemoglobin A1c
Lipid panel
Comprehensive metabolic panel
Fasting insulin test
High-sensitivity C-reactive protein
Thyroid-stimulating hormone

If the medications are covered, the GLP-1 medication copay should be typically capped at $25 or less per month after any deductible is met. Keep in mind that the medication coverage can require information from your lab results to get insurance approval.

If you have a high-deductible health plan, you'll need to pay through the deductible before your medications are covered by your plan. Since the GLP-1 medications that Calibrate doctors currently prescribe are brand-name medications, high-deductible plans will not cover them before you reach your deductible (which may differ from their coverage of other—typically generic—medications).

At Calibrate we have a team of insurance navigation experts to help you access an initial GLP-1 medication prescription that's typically around $25/month or less (after any deductible is met). We’ve helped tens of thousands of members access affordable GLP-1s. However, in the unlikely scenario that there is no path to a low-cost GLP-1 for you, rest assured we still guarantee results.

PAY FOR CALIBRATE WITH AN HSA/FSA

Are Weight Loss Programs HSA- or FSA-Eligible Expenses?

DON'T MISS OUT: USE YOUR FSA DOLLARS BEFORE THE DEADLINE

MEET YOUR CALIBRATE TEAM

YOUR CALIBRATE TIMELINE

Learning

Practicing

Setting & Reinforcing

Sustaining

Frequently
Asked
Questions

Take the first step today

PAY FOR CALIBRATE WITH AN HSA/FSA

Are Weight Loss Programs HSA- or FSA-Eligible Expenses?

DON'T MISS OUT: USE YOUR FSA DOLLARS BEFORE THE DEADLINE

MEET YOUR CALIBRATE TEAM

YOUR CALIBRATE TIMELINE

Learning

Practicing

Setting & Reinforcing

Sustaining

FrequentlyAskedQuestions

Take the first step today

Frequently
Asked
Questions