What is a Health Payment Account?

Paytient is a new type of benefit called a Health Payment Account (HPA) that helps employees and plan members access and afford care¹.

Paytients use their HPA cards to pay out-of-pocket healthcare and/or veterinary expenses², tapping into a small line of credit to pay out-of-pocket costs upfront. After each transaction, they choose an interest-free payment plan that fits their budget.

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How it works

Every health plan should come with a Health Payment Account.

Paytient provides a revolving line of credit on a Visa card that members can use to pay out-of-pocket medical, pharmacy, dental, vision, and veterinary expenses.

As rising health insurance premiums and out-of-pocket costs make people more likely to skip or delay care, HPAs provide the funds necessary to address health concerns early. And proactive care is always cheaper and more effective than reactive care.

HPAs give members an immediate way to pay for the care they need, whenever they need it. They feel secure knowing they have a safety net in their HPA, which makes them more likely to go to the doctor, dentist, or other necessary provider!

why paytient?

HPAs are the benefit for today’s needs.

For many Americans, a surprise expense can be financially stressful. A Health Payment Account can improve the affordability of out-of-pocket bills.

33%

of Americans have foregone care due to financial limitations.

65%

of employees look to their employers for financial support.

Americans with health insurance shouldn’t have to make the painful choice between physical and financial health.

why paytient?

HPAs create a healthier cycle for everyone:

Healthcare bills become a manageable expense.
Paytients are empowered to get care sooner.
Large claims are reduced.
Benefit costs don’t skyrocket in subsequent years.
Employees are more likely to stay in their job due to a better benefits offering.

Alongside any health plan, HPAs help employees prioritize their wellness by removing financial barriers to care. HPAs also enhance existing healthcare financing tools, including insurance plans, gap products, indemnity products, and HSAs/FSAs.

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Members love health payment accounts

"Paytient was a blessing to me. I had been without my glasses for five months because they are expensive, and then I remembered I had that card. It covered the cost of my glasses at a time when money is tight."

– Carla

“This is so helpful to not have to pay everything upfront! It makes it easy to think about going to the doctor when you don’t feel good instead of just pushing it off because you know you’re going to have to pay a big fee upfront.”

– Bob

“I am now able to go to the doctor without waiting for appointments around my cash flow and then pay as I get paid since my deductible is so high. So easy — just like any debit/credit card transaction.”

– Betty

FAQ

Still have questions? We’ve got the answers.

Where can members use an HPA?

How does an HPA work?

Can an HPA pay for previous medical bills?

Can an HPA be used for family members/dependents?

How does an HPA work with an HSA or FSA?

Using your HSA and FSA cards⁴ to repay your Paytient balance are great ways to capitalize on tax advantages. You can add your HSA or FSA card as a payment method in your Paytient account and then use them to cover any qualifying expenses. HSA and FSA accounts cannot be used to pay for veterinary expenses. Please refer to the IRS website to determine whether transactions qualify as HSA/FSA expenses — and remember to always keep your receipts!

Who is eligible for Paytient?

How much does this cost?

Is a credit check required?

Can members adjust their payment plans?

Why are you asking for my documentation (e.g., Drivers License, SSN card)?

Think your team members would benefit from having access to Health Payment Accounts? Let’s talk.

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