A healthier way to pay for care.

No. Paytient does not check credit or pull credit scores before opening an HPA. However, members must self-report income and expenses during onboarding before we extend credit to ensure we lend responsibly and comply with federal and state lending regulations. Some users may not be able to access the service due to regulatory reasons.

Paytient assumes all the risk for the line of credit given to members. If a member leaves, we will contact them to figure out the best way for them to continue their payments moving forward. Insurers are not responsible for unpaid balances. When someone leaves the insurance plan, their Paytient card cannot be used for future charges; any unpaid balance must be paid back on schedule.

Yes! As members pay off their balance, the available credit is restored. They can use their card over and over again.

A recent study of Paytient members found that 67%* said they would have ended up deferring or delaying important care if they had not had access to their Paytient card.

*Based on a December 2022 survey.

Paytient uses merchant codes to ensure all transactions are from “approved” providers and businesses. This means cards will work with providers in approved categories (e.g., medical, dental, vision) regardless of their network status and regardless of whether the charge is for a covered service.

Note: Providers and businesses self-select their merchant category, and in some cases a provider might not be categorized as expected. If a transaction card is unexpectedly declined, Paytient’s customer support team is always available to help.

Any dispute regarding a transaction paid with Paytient will be handled as a credit card transaction dispute under Regulation Z of the Truth in Lending Act. Either the provider or Paytient will correct any errors.

This circumstance could fall under the No Surprises Act. Paytient has an intake and handling process to further determine the nature of any disputes and what regulatory requirements might apply to a given situation.

Yes! You do not need to wait for an open enrollment decision or election to introduce Paytient to plan members. We've had partners position Paytient as a value-add benefit, which means they were not required to include it in certificate filings for their states.

Paytient is customizable. It can be added group by group, at any time, with an employer- or insurer-determined credit line. This includes customizing Paytient with any combination of medical, pharmaceutical, dental, vision, or veterinary care.