What a prepay total is not: 42 lump sums, and why none is divided here
376 figures from 106 sellers, read September 2026. Written September 2026.
A three-month total divided by three is a number nobody is ever charged. Sellers print it constantly, usually beside the figure they do charge, and it is the single easiest way for a price comparison to become fiction.
A lump sum is not a monthly rate
A lump sum is a real, checkable, useful fact: this much money, once, for this long. It is also the figure most often converted into something it is not. Divide it by its term and you get a monthly number that is never charged, cannot be cancelled halfway through, and sits on a comparison table looking exactly like a monthly rate that can be.
The difference is commitment. A standing rate of the same size can be stopped next month. A three-month total cannot, and the amount at risk if the product does not suit you is the whole of it rather than one period’s worth.
How many, and over what terms
42 of the 376 figures here are lump sums for a stated term, published by 26 of the 106 sellers. A further 58 figures are billed on a multi-month term rather than a month, which is the same commitment expressed as a recurring charge on a longer clock. And 25 are single purchases with no recurrence at all — a vial, a session, an injection.
For 11 sellers, one of those is the only kind of figure they publish. Their rows on the boards here say so in words rather than showing a number that would be read as a monthly price.
The sellers who do the division for you
Sellers do the division themselves, and usually set the result in the larger type.
| Seller | The sentence, as printed | What is actually charged |
|---|---|---|
| Always Wellness and Recovery | “Three-month supply, $529 — about $176 per month.” | $529, once, for three months. The $176 is the seller’s own division and this index records it as unresolved |
| Pallas Health | “Injection: $89 for your first month, then $597 every 12 weeks ($199/mo average).” | $89 once, then $597 every twelve weeks. The $199 is an average of a charge that is not monthly |
| Fresh Day Meds | “3-MONTH PLAN $ 159 /mo $477 quarterly renewal” | $477 every quarter. Here the seller prints both and the monthly figure is the one set in the larger type |
| Liberty | “3 Months $380 $127/mo Save 15% ($67)” | $380 for three months |
| iThriveMD | “12-month 50% Off $124.50 48 weeks paid upfront. Shipped every 28 days.” | 48 weeks paid up front. The $124.50 is per 28-day shipment, and 48 weeks is not twelve months |
None of these divisions is dishonest and this index reproduces none of them. A monthly average is a fact about arithmetic; the amount that leaves an account, and when, is a fact about the offer, and only the second one can be compared with another seller’s.
Source: Each quotation is the sentence printed around the figure, transcribed at reading time. The amount charged and the amount computed both appear in the seller’s own sentence. Read September 2026.
Look at what the last row is doing. A twelve-month plan billed as 48 weeks paid up front, shipped every 28 days: three different clocks in one offer, and a monthly-looking figure that belongs to none of them. Forty-eight weeks is not twelve months, and thirteen 28-day shipments are not twelve monthly ones.
Why this index does not do it
None of those divisions is dishonest. Every one of them is arithmetic a buyer might do anyway. The reason this index will not reproduce any of them is that the result stops being a fact about the offer and becomes a fact about the arithmetic, and the two look identical once they are in a column together.
The same rule is why the dated price index plots only standing monthly rates. Putting a three-month total on that figure at the seller’s own monthly average would place a commitment beside a cancellable charge and let a reader believe they were the same offer.
The commitment behind the figure
What a lump sum buys in commitment terms is often stated and often not. Some sellers say plainly that a plan is billed every three months until cancelled; others print a term with no wording about what happens at the end of it; one prints two different renewal periods for the same total on two of its own pages.
Where the wording exists, it is stored verbatim and rendered on that seller’s review page. Where it does not, this index says so rather than assuming the ordinary case. The billing period, and the sellers who state none works through the cadence side of the same question.
What this page cannot tell you
It cannot tell you whether a prepay total is good value, because value needs a dose and 250 of the 376 figures here state none. This site publishes no price per milligram and no page on it divides a price by a dose.
It also cannot tell you what happens if you cancel part way through a term. Refund terms, cancellation windows and what a seller keeps are not fields in this index, and reading them off marketing prose would be guessing. All figures were read on September 2026.
What does a published price NOT include? This index records what a seller says a price covers, and has no field at all for what it leaves out — so a shipping charge, a consultation fee or a required blood test can sit outside every figure on this site.
A reading pass that records the exclusions and the extra charges a seller prints beside its price, as fields, from the same capture the figure came from. The prose written by the pass that produced this corpus already names several — a flat shipping fee, a medical visit fee, and a blood test required before prescribing — which is exactly why the absence of a field for them is a defect and not a triviality: the facts were seen and there was nowhere to put them.
Which named plan or tier does a figure belong to? A seller that publishes four figures usually names them — a monthly plan, a three-month plan, a starter tier — and this index records the figure, the cycle and the dose, but not the seller's own name for the package.
A reading pass that records the tier label verbatim beside each figure. Until then a reader comparing two figures from the same seller can see that they differ and not what the seller called each one.
About this page
Nobody at this site holds a medical license and nothing here is medical advice, diagnosis or treatment. This is a price index; the pages like this one exist because a reader cannot judge a price without knowing what the thing is. Talk to a licensed clinician before starting or stopping anything, and see the medical disclaimer.
Every count above is computed from this index’s own reading of 106 sellers’ pages, described below, and is recomputed each time this page is built — so it cannot drift from the tables and the reviews it is drawn from. If something here is wrong, the corrections page says how that gets fixed and what has been fixed before.
Where these figures come from
Every count on this page is computed, at the moment the page is built, from this index’s own record of what 106 NAD+ sellers publish about their prices: 376 figures in all, 344 of them distinct once 32 repeats of the same offer on a second surface are set aside, and 41 of them present only in a page’s markup rather than visible to a reader. Nothing here is typed into the prose, so a count in a sentence and the same count in a table cannot disagree.
All 376 figures were read on one day, September 2026, and there is no second reading. That is the standing limit on this page and on every page like it: nothing here says a price rose, fell or held, because nothing here has been measured twice. 7 of the 376 carry a flag saying they need reading again before they are relied on, and the reviews of the sellers concerned say which and why.
Each seller has a review page of its own listing every figure this index holds for it — the figure as the seller printed it, what kind of figure it is, the seller’s own words for the billing cycle, the day it was read and the address of the page it was read from. That is the trail from any number on this page back to a sentence a company published.