Can I use HSA or FSA funds to pay for the membership? We will not promise it, because the answer depends on your plan, your tax situation and rules we do not control and any company that guarantees HSA eligibility for a telehealth membership is selling you something the IRS has not confirmed. What we can do is show you the money in full, name exactly which charges come from whom and give you the questions to ask your benefits administrator before you spend a dollar from the account.
- GoodLife Health never promises HSA or FSA eligibility. That determination depends on your plan and your tax situation.
- The membership and the medication are billed separately: $299 a month for clinical care and the quarterly Biomarker Audit, with medication billed by the pharmacy at its own price.
- The first charge is $598, held until a clinician accepts you and non-refundable once accepted.
- Twelve months of membership total $3,588. twenty-four months total $7,176 and include eight Biomarker Audits.
- Compounded GLP-1 is never prescribed. Only branded, FDA-approved medications are written when clinically indicated.
- Bring both receipts, membership and pharmacy, to your benefits administrator before spending HSA funds.
Why we refuse to promise HSA eligibility
The High-Deductible System Skipper has learned to read fine print, so here is ours stated first. Health savings accounts and flexible spending accounts pay for qualified medical expenses as the IRS defines them. Whether a direct primary care style membership and a quarterly biomarker panel qualify depends on your plan documents and your tax circumstances and the answer can change from year to year. We are a clinical company, not your tax advisor and a marketing claim of guaranteed eligibility is not something we are willing to make to win a signup.
What sits inside your control is the paperwork. Every charge is documented. The membership fee appears as a clinical care charge for the physician relationship and the quarterly Biomarker Audit. The medication appears as a separate pharmacy charge from the pharmacy you chose. Those two documents are exactly what a benefits administrator or a tax professional needs in order to give you a real answer for your situation.
The two charges, separated for your benefits paperwork
The billing structure matters here more than anywhere else, because a bundled subscription makes benefits paperwork nearly impossible and our model separates it by design.
The two charges, separated for your benefits paperwork
| Charge | Who bills it | What the receipt says | What it never says |
|---|---|---|---|
| Membership, $299 a month | GoodLife Health | Clinical care and the quarterly Biomarker Audit | Nothing about medication, because none of it is bundled |
| First charge, $598 | GoodLife Health | The first two months of clinical care and the first audit | Nothing about medication |
| Medication | The pharmacy you choose | The drug, at the pharmacy's own price | Nothing from us, because we add nothing |
A benefits administrator can evaluate each charge on its own terms. A platform that bundles the drug and the visit into one payment cannot offer you that, because the receipt cannot be unbundled after the fact.
What the membership costs, so the benefits math has numbers
The Cardiometabolic Optimization Membership is $299 a month. Your first two months, $598, are held on your card at sign-up and charged only once a clinician accepts you into care. If you are not accepted, the hold is released and you are never charged. Once accepted, the first two months are charged and are non-refundable and from month three the membership is month to month and you can cancel at any time.
Four comprehensive Biomarker Audits a year are included, covering Hs-CRP, Comprehensive Metabolic Panel, TSH With Reflex To Free T4, Fasting Insulin, Lipoprotein (A), Hemoglobin A1c (HbA1c), Lipid Panel, Standard, Apolipoprotein B (ApoB) and CBC (Includes Differential And Platelets), drawn at Quest Diagnostics. Additional labs are ordered by your clinician when there is a reason and are billed by the lab at its own rates. Medication is unbundled entirely. When a prescription is clinically indicated, branded and FDA-approved products are written to the pharmacy you choose and billed by that pharmacy at its own price and GoodLife Health sets nothing on the transaction. One flat fee for the doctor. Zero markup on the medicine.
Over twelve months the membership totals $3,588, which is the $598 first payment plus ten months at $299. Over twenty-four months it totals $7,176 and includes eight audits. We publish the arithmetic rather than asking you to trust a feeling and our guide to what $299 a month actually buys over 24 months works it through line by line.
How the membership fits a high deductible plan
The reader this page is really for carries a high deductible plan, pays out of pocket for nearly all routine care and has watched an HSA balance grow faster than the plan's willingness to pay for anything useful. The honest framing is that the membership is an upgrade to that arrangement, not a workaround for it.
Your insurance keeps doing what it does well, which is the hospital, the emergency and the catastrophic. The membership replaces the primary care relationship with one that answers messages, reads a comprehensive panel every 90 days and treats metabolism, hormones and cardiovascular risk as one system. A broken elbow or an appendectomy is what the deductible is for. The slow decline of a metabolism that nobody measured is what the membership is for. Our guide to direct primary care for people with high deductible plans works through the pairing in detail.
The value case does not actually depend on the tax treatment. Even if every dollar came from after-tax income, 12 months of membership costs $3,588 against a $20,000-a-year concierge practice and against the eight-minute primary care visit that leaves the actual question unasked. If your benefits administrator confirms that some part of the charge is a qualified expense, the math improves. We just will not build the offer on a promise we cannot keep.
The questions to ask before you spend HSA funds
Rather than guess on your behalf, here is the exact list to put in front of your benefits administrator or your tax professional.
- Is a direct primary care style membership with quarterly lab panels a qualified medical expense under my plan?
- Are the quarterly biomarker panels treated as diagnostic testing for eligibility purposes?
- Can prescription medication costs paid at a pharmacy be reimbursed and what documentation does the pharmacy receipt need to carry?
- Does having an HSA or FSA conflict with any part of a cash-pay clinical membership?
- Which receipts do you need from me and in what form?
Bring both of our charges to that conversation, the membership receipt and the pharmacy receipt and you will get a real answer for your plan. What you will not get from us is a checkbox that says guaranteed eligible, because nobody honest can check that box for you in advance.
What you will not get from us is a checkbox that says guaranteed eligible, because nobody honest can check that box for you in advance.
What we will never claim, stated plainly
Three lines we will not cross, because the reader this membership is built for keeps accounts like this long enough to be burned by them. We never claim the membership fee is HSA or FSA eligible. We never claim insurance will cover the medication, because coverage is between you, your plan and your pharmacy and we never run prior authorization. And we never dress the membership up as a cheaper insurance product, because it is not insurance and the value case does not need the disguise.
We never claim insurance will cover the medication, because coverage is between you, your plan and your pharmacy and we never run prior authorization.
What the membership is is a clinical relationship. Care is delivered by licensed physicians of Beluga Health, P.A., an independent Florida professional corporation licensed in all fifty states, working under GoodLife Health's clinical protocols. When medication is indicated the products are branded and FDA-approved, including Wegovy, Zepbound, Ozempic, Mounjaro and the oral options and compounded GLP-1 is never prescribed under any circumstance. In the trials that established the class, adults taking semaglutide 2.4 mg lost about 15 percent of body weight on average over 68 weeks and adults on tirzepatide lost up to about 21 percent over 72 weeks. Individual results vary and no honest clinic promises a number.
In the trials that established the class, adults taking semaglutide 2.4 mg lost about 15 percent of body weight on average over 68 weeks and adults on tirzepatide lost up to about 21 percent over 72 weeks. Individual results vary and no honest clinic promises a number.
Check whether you qualify
Not everyone is accepted and the acceptance belongs to the clinical team. The path is the eligibility check, the intake, the checkout and then a clinician's review and nothing is charged until your clinician accepts you. If the offer reads right and the benefits questions are the last open item, ask them, then take the eligibility check, which takes about two minutes. For how the membership pairs with a high deductible plan, read direct primary care for people with high deductible plans and for the model behind the flat fee, the definitive guide to Cardiometabolic Optimization.
FAQ
Is the GoodLife Health membership HSA or FSA eligible?
We do not claim eligibility. Whether a charge is a qualified medical expense depends on your plan and your tax situation, so the answer comes from your benefits administrator or tax professional, using the itemized receipts both of our charges produce.
Can I use my HSA card at checkout for the $598?
We do not promise that the card will be accepted or that the expense qualifies. The safer route is to pay as you normally would, keep the itemized receipt and confirm eligibility for your situation before seeking reimbursement.
Does the membership count as insurance?
No. The membership is a clinical relationship, not an insurance product. It pairs with insurance for the hospital and the catastrophic and never replaces the coverage itself.
Will insurance cover my medication?
Some plans cover GLP-1 medication and some do not. Coverage is between you, your plan and your pharmacy. GoodLife Health never promises coverage and never runs prior authorization.
What do the receipts look like for benefits purposes?
The membership receipt shows clinical care and the quarterly Biomarker Audit at $299 a month. The pharmacy receipt shows the medication at the pharmacy's own price. The two charges are documented separately by design.
What does a year of membership cost?
Twelve months total $3,588, the $598 first payment plus ten months at $299. Twenty-four months total $7,176 and include eight Biomarker Audits.
One last thing
The tax question is usually the last exit ramp before a decision and it deserves a better answer than a checkbox. Ask your benefits administrator with the two receipts in hand and you will know more than any marketing page can tell you. If the answer comes back yes, the math improves. If it comes back no, the membership still has to be worth $299 a month on its own and that is the standard we built it to meet.
Related Guides
- Direct primary care for people with high deductible plans
- Can I cancel my membership and what is the refund?
- The definitive guide to Cardiometabolic Optimization
Sources: IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans and Direct Primary Care: Practice Distribution and Cost Across the Nation.
References
- IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans. 2026. www.irs.gov/publications/p969
- Direct Primary Care: Practice Distribution and Cost Across the Nation (J Am Board Fam Med). 2015. pubmed.ncbi.nlm.nih.gov/26546651/