Key Takeaways
The cost of a medically supervised weight loss program in Texas is often the first thing patients ask about. If you’ve looked into physician-guided programs that include regular check-ins, lab work, and optional prescribed medications, you already know the upfront number can feel like a lot, especially when insurance rarely covers it.
The good news is that InjectCo accepts multiple pay-over-time options that can make your program accessible from day one. This post walks you through each financing option we offer, what to expect when you apply, and which path tends to work best for different types of patients.
At InjectCo, we’ve helped patients across nine Texas locations start their physician-guided weight loss programs without letting cost be the barrier. Here’s exactly how it works.
Most patients come in expecting their insurance to cover at least part of a physician-guided weight loss program. In practice, coverage for medical weight loss, including consultations, physician oversight, and prescribed medications, varies widely between insurers, and many plans exclude it entirely.
A medically supervised weight loss program at InjectCo is structured around personalized care: an initial evaluation, a clinical protocol built around your health profile, regular follow-up appointments, and ongoing support. Each of those touchpoints has a cost.
When the full program cost lands on paper, patients often do not realize they have options, and so we’re here to fill in that gap.
CareCredit is a healthcare credit card accepted at over 260,000 providers across the country, including InjectCo. For patients managing the cost of a physician-guided weight loss program, it offers promotional financing terms that can spread your program cost over months without interest if certain conditions are met.
CareCredit typically offers 6-, 12-, 18-, or 24-month promotional windows on purchases of $200 or more. During the promotional period, no interest is charged as long as you make the minimum monthly payment and pay the full balance before the window closes.
Important: CareCredit uses a deferred interest structure. If the full balance is not paid within the promotional window, or if a single payment is missed, interest can be applied retroactively to the original purchase amount from day one. The rates can be significant. Understand this before applying.
You can apply online at CareCredit.com before your appointment. Prequalification does not affect your credit score. If approved, you bring your CareCredit card to your InjectCo appointment and apply it to your program cost at checkout.
Once approved, the same card can be used at any other CareCredit-accepting provider (dentists, optometrists, veterinarians, and more), making it a practical card to carry even beyond your weight loss program.
At InjectCo, CareCredit can be applied to your program enrollment fee, consultation, physician oversight, and follow-up care. It covers the program cost. Medications, when prescribed as part of your clinical protocol, are managed separately through a licensed pharmacy.
Ready to start your weight loss program at InjectCo?
Schedule your medical weight loss consultation today, or call/text us to ask about payment options before you book.
We accept CareCredit, Cherry, and HSA/FSA at all nine Texas locations.
Cherry is a buy-now-pay-later financing platform built specifically for the medical aesthetics and wellness space. At InjectCo, we offer Cherry as an alternative for patients who want to apply quickly, carry a lower credit score, or prefer not to open a new credit card.
Cherry runs a soft credit pull at application, which means checking your eligibility does not affect your credit score. Approvals are typically returned in seconds. From there, you choose a monthly payment plan that works for your budget.
The main practical difference is structure. CareCredit operates as a credit card with deferred interest promotional periods. Cherry is a pay-over-time installment plan. You know your monthly payment from day one, and interest is built into your installment; there are no retroactive deferred interest surprises if you miss a payment.
Cherry has approved patients across a wider credit range than traditional healthcare credit cards. For patients who were declined for CareCredit or who prefer a more predictable monthly structure, Cherry is often the better fit.
Cherry approvals at InjectCo have ranged from a few hundred dollars up to the full program cost, depending on your credit profile. Most patients receive a decision within the same appointment.
InjectCo staff can walk you through the Cherry application at your consultation. You do not need to apply before you arrive, though you can also apply in advance at withcherry.com to know your limit going in.
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA) through your employer, you may be able to apply those funds toward physician-prescribed weight loss care, including your InjectCo program consultations.
Both HSA and FSA accounts let you set aside pre-tax dollars for eligible medical expenses. When you use them for qualified healthcare costs, you effectively pay with money you were never taxed on, which can reduce your out-of-pocket cost by 25% to 37% depending on your tax bracket. That is real savings without applying for financing at all.
Physician-prescribed treatments and medical consultations are generally HSA/FSA eligible when they are prescribed to treat a diagnosed medical condition. At InjectCo, your provider determines what is included in your clinical protocol. According to IRS Publication 502, eligible weight loss expenses include those prescribed by a licensed physician to treat a specific diagnosed condition.
Ask your InjectCo provider at your first appointment about documentation. If your FSA plan requires a Letter of Medical Necessity, your provider can supply it.
HSA funds roll over indefinitely from year to year. FSA funds typically follow a use-it-or-lose-it rule, often with a December 31 deadline. If you have unspent FSA funds and a scheduled consultation, applying those funds to your program cost before year-end is worth considering.
You can use your HSA or FSA debit card directly at InjectCo checkout. If you pay out of pocket, you can submit your itemized receipt to your HSA/FSA administrator for reimbursement.
Here’s a quick look at how each financing option compares:
| Option | Credit Check | Interest | Best For | Apply Where |
| CareCredit | Hard pull | Deferred (0% promo if paid in full) | Strong credit, want a reusable card | carecredit.com or at checkout |
| Cherry | Soft pull only | Fixed, built into installments | Flexible credit, predictable payments | withcherry.com or at InjectCo |
| HSA / FSA | None | None (pre-tax dollars) | Employer health benefit holders | Pay at checkout or submit receipt |
| Out of Pocket | None | None | Patients who prefer no financing | At checkout |
A note on combining options: some patients apply HSA or FSA funds to cover part of the program cost and use CareCredit or Cherry for the remainder. Ask your InjectCo care coordinator at your consultation about split payment options.
InjectCo operates a physician-guided weight loss program across nine Texas locations. The program is built around individualized protocols, meaning your evaluation, your goals, and your clinical profile determine the plan. Medication, when prescribed, is one possible component of that protocol determined by a licensed provider.
At your first appointment, you will have a full evaluation with your InjectCo provider. Your provider will discuss your health history, establish your clinical goals, and outline what your program includes. Pricing for your specific plan is reviewed at that appointment, and a care coordinator can walk you through your financing options the same day.
We have locations in Fort Worth, Plano, Dallas, Colleyville, Argyle, Cleburne, Waxahachie, The Woodlands, and Austin. You can book a consultation and ask about payment options in the same call or text.
If you are researching your options before booking, the InjectCo medical weight loss service page gives you a full overview of the program structure. Patients often find it helpful to review what is included before asking specific questions at their evaluation.
Results may vary. This program may not be suitable for everyone. Consult your medical provider before starting any weight loss program. Medications are prescribed at the discretion of a licensed provider.
Pay-over-time options make a physician-guided program accessible for more patients, but financing is not the right decision in every situation. Here’s an honest look at who benefits most.
Good candidates for financing:
Who should talk to a provider first:
Your InjectCo provider reviews eligibility at your evaluation. We do not enroll patients for whom the program is not clinically appropriate. An honest conversation happens first before any financing decision is made.
Medical weight loss programs work best when the financial piece is sorted before you start, so your focus can stay on the protocol, not the cost. InjectCo accepts CareCredit and Cherry at all nine Texas locations, and we walk every patient through their payment or financing options during their consultation.
If you have HSA or FSA funds available, bring that up at your evaluation. Your provider and care coordinator will help you apply those dollars before they expire.
Book your medical weight loss consultation at InjectCo today, and ask about pay-over-time options when you call.
Yes, InjectCo accepts CareCredit at all nine Texas locations. CareCredit can be applied to your program enrollment and consultation costs. Apply online at carecredit.com before your appointment or ask at checkout. Promotional financing terms apply when conditions are met; your InjectCo care coordinator can walk you through the details.
Yes, Cherry is available at InjectCo for medical weight loss programs. Cherry uses a soft credit pull, so checking your eligibility does not affect your credit score. You choose a fixed monthly installment plan. Approval decisions are typically returned in seconds.
Physician-prescribed weight loss consultations and medically necessary treatments are generally eligible for HSA and FSA funds according to IRS Publication 502. At InjectCo, your provider documents your evaluation at your first appointment. If your FSA plan requires a Letter of Medical Necessity, your InjectCo provider can supply one. Check with your plan administrator to confirm your specific eligibility.
Cherry is a strong alternative. Cherry uses a soft credit pull and approves a broader range of credit profiles than traditional healthcare credit cards. If CareCredit is not an option, ask your InjectCo care coordinator about Cherry or about using HSA/FSA funds to offset part of the program cost.
In many cases, yes. Some patients apply available HSA or FSA funds to part of the program cost and use CareCredit or Cherry for the remainder. Ask your InjectCo care coordinator at your appointment about split payment options and how to structure the payment for your specific plan.
No, CareCredit and Cherry cover your InjectCo program cost: the consultations, physician oversight, and structured care plan. Medications, when prescribed by your provider as part of your clinical protocol, are dispensed through a licensed pharmacy. Your care coordinator will explain how medication costs are handled at your evaluation.
Cherry runs only a soft credit pull to check eligibility, which does not affect your credit score. This is the closest option to a no-impact check available at InjectCo. Hard-pull options like CareCredit do run a full credit inquiry. If you have unspent HSA or FSA funds, those require no credit application at all.
