Introducing a new way to pay for care
The Paytient card, offered by your Arkansas Blue Cross and Blue Shield* health plan, provides members a flexible, interest-free way to pay for doctor visits, prescriptions, and more.1
Apply for your Paytient card today!
How it works
Your Arkansas Blue Cross and Blue Shield health plan now includes the Paytient card, giving you instant access to $500 in healthcare2 spending power for individuals and $1,000 for families.
Pay over time for the care you need with no interest, fees, or credit impact.
- Turn a $300 doctor visit into just $42 per month.✢
- Split a $200 prescription into $16 per month.✢
- Break down a $150 therapy session into $12 per month.✢
You decide how to pay — without worrying about upfront costs
The Paytient Promise
Our top priority is helping you get the care you and your family may need without compromise. That means there’s never interest or fees added to any payment plan you set up with the Paytient card.
Additionally, we never check your credit during the application process.
Frequently Asked Questions
Can I use this for my family/dependents?
Sure! The Paytient card works for you and your loved ones.
Where can I use the Paytient card?
The Paytient card can be used for medical and pharmacy expenses at in-network and out-of-network providers. The Paytient card works at most pharmacy or medical providers that accept Visa®!*
Does Paytient require a credit check?
Paytient does not check credit. We do ask users to self-report income and expenses during onboarding to comply with federal and state lending regulations, but we will never pull your credit score.
Testimonials from actual members
A benefit designed for your financial well-being.
Manage out-of-pocket medical costs1 with confidence, knowing your budget stays intact.
No interest or fees — ever.
Pay over time for care for the whole family without extra costs.
No credit impact.
Applying for the Paytient card won’t affect your credit score.
Works for everyday care.
Providers, prescriptions, mental health, and more.
Take control of your care
Access care you might have delayed or skipped.
Feel confident that you can get the care you need.
Keep your savings safe and avoid interest and fees.
Big savings
Find out what you could be saving!
Spread your healthcare expenses and stack up savings with the Paytient card’s interest-free payment plans. Take our savings calculator for a spin and see the difference!
Paytient makes this comparison using the following assumptions to calculate savings:
Paytient makes this comparison using the following assumptions to calculate savings:
We assume an average credit card APR of 22.8% based on the CFPB’s latest Credit Card Market Report.
We assume the cardholder pays 2% of the balance or $25.00, whichever is greater per month, and accrues interest until the total balance is repaid.
Refer to your Paytient account to see your credit limit and repayment terms.
Transactions cannot be split into amounts less than $5.00.
FAQs
Still have questions? We’ve got the answers.
What is Paytient?
Paytient is a Health Payment Account (HPA) that turns medical and pharmacy expenses into interest-free payment plans. Paytient is available to Anthem Blue Cross and Blue Shield Individual and Family Plan members in Colorado.
How do the payment plans work?
Say you visit an ENT for a sinus infection that won’t go away, and you leave with a $70 bill. The Paytient card can split that charge into 10 payments of $7 — or five payments of $14. You pick the interest-free payment plan that fits your budget.
Can I use the Paytient card for previous out-of-pocket costs?
Yes. You can use your Paytient card for medical or pharmacy bills still owed to providers, as long as they are not being collected by a different party.
What is the credit line?
Member credit lines vary if you have covered dependents.
• Policyholders with no covered spouse or dependent receive a $1,000 line of credit.
• Policyholders with a covered spouse or dependent receive a $2,000 line of credit.
How do I set up a payment method?
You can connect a bank account within the Paytient app to make payments toward your open repayment plans. Our support team can also take payments or adjust payment plans. Simply contact them via in-app chat or by sending an email to hello@paytient.com.
How do I use the virtual Paytient card?
Simply tap the purple card in the Paytient app to view your card information. You can then use this number for qualifying transactions or input the information into your healthcare provider’s payment system.
How do I report a problem with a transaction?
You can reach us by chat or phone every day between 8 a.m. and 8 p.m. CST. Or you can email us anytime! We take account security very seriously. So if you see a charge you don’t recognize or have any other concerns about transactions to your Paytient account, please contact our Member Support Team.
How do I activate my Paytient card?
Once your physical card arrives, you'll text the last four digits of your card from your phone to 573-269-3836 to activate! You can also activate your Paytient card within the app by swiping to the white card on your home screen. Once you see that card, press and hold, and then enter the last four digits of your card.
Who is eligible for Paytient?
The Paytient card is a benefit you can use if your employer or health plan sponsors it. Your Paytient membership is tied to your job or health plan, so if your employment or health plan coverage ends, so does your access to Paytient. But remember, if you still owe money on your Paytient card, you'll need to pay it back, even if you're no longer employed or enrolled in the sponsored health plan.
Where can I use the Paytient card?
The Paytient card can be used for medical and pharmacy expenses at in-network and out-of-network providers. The Paytient card works at most pharmacy or medical providers that accept Visa®!*
Can I use this for my family/dependents?
Sure! The Paytient card works for you and your loved ones.
Does Paytient require a credit check?
Paytient does not check credit. We do ask users to self-report income and expenses during onboarding to comply with federal and state lending regulations, but we will never pull your credit score.
Is it really free of any interest or fees?
Yes, really. You will never be charged interest or fees when financing your care with Paytient.
When do I get a physical Paytient card?
Your physical card will arrive at the address on file within 7-10 business days after you have created your account. In the meantime, your virtual card can be accessed immediately within your account.
Can I use my Paytient card at an ATM?
No, you can’t use your Paytient card at an ATM to withdraw cash. Attempting to use your card at an ATM may impact your access to Paytient and could result in account closure. Log in to see the categories for which your card has been approved, or reach out to our customer support team for help.