Separate the bill before comparing support
Ask for a written breakdown of the initial appointment, follow-up appointments, medicine, tests and any programme or delivery fee. A single monthly headline can hide several services with different funding rules. Keep the total payable now separate from a possible later refund.
- Name the medicine, dose and prescribed indication.
- Ask which clinician and pharmacy will invoice you.
- Separate first-month costs from repeat costs.
- Record each confirmed contribution and the amount still payable.
Work through the four funding checks
HSE reimbursement: check the medicine-specific decision and any managed-access approval. The HSE publishes a conditional Saxenda route, while its obesity guidance states that Wegovy and Mounjaro are not covered by the listed community schemes. The detailed HSE guide below separates current patient guidance from ongoing assessments.
HSE: medicines to treat obesityHSE: current managed access protocolsMedical card and DPS: check whether the particular prescription is reimbursable. The €80 DPS threshold applies to approved items; it is not an automatic limit on every pharmacy bill.
HSE: Drugs Payment Scheme cardInsurance: request separate answers for the consultation and the medicine. Irish Life Health's selected-plan programme illustrates why: it contributes to named consultations but excludes medicine costs from that programme.
Irish Life Health: Specialist Weight Loss SupportTax relief: check the qualifying expenses you actually bear after reimbursements. The usual rate is 20%, subject to Revenue's conditions and your Income Tax position.
Revenue: health-expense tax reliefRevenue: how to claim health expensesGet a usable answer before paying
A useful funding answer identifies the service, policy or scheme, contribution, conditions and effective date. Save the written answer with your itemised invoice. A general promise that something is ‘claimable’ cannot tell you what your insurer or Revenue will accept.
- Ask whether prior approval is required and who submits it.
- Check excesses, annual limits, eligible providers and policy-year dates.
- Ask whether an appointment is payable if no prescription is issued.
- Budget for the full private cost until a contribution is confirmed.