Tool

Prepaid-plan monthly-equivalent calculator

“$999 for three months” and “$379 a month” can't be compared until both are monthly numbers. This tool does the division, shows the break-even point, and — the part prepaid marketing skips — what happens to the math if you stop early.

Calculator

Formula and assumptions

monthly equivalent = plan total ÷ months covered;savings vs monthly = months × monthly price − plan total. The early-stop table assumes either no refund (you pay the full plan total regardless of when you stop) or a clean proration — real refund terms are often worse than proration and sometimes better than nothing, so read the provider's actual cancellation terms; our provider reviewsquote them where disclosed and say "not publicly disclosed" where not.

The early-stop risk, quantified

Discontinuation within months is common with these medications — side effects, cost, supply. A prepaid plan prices that risk onto you: stop after month one of a no-refund three-month plan and your effective price for that month was the entire plan total. The table above shows your effective per-month cost for every possible stopping point, which is the number to weigh against a cancel-anytime plan's higher sticker price.