When a child wakes up with a 104-degree fever, there’s no time to wait, and no time to wonder if your benefits will cover the care they need.
For working parents, even routine health decisions can come with high-stakes tradeoffs. Do they take the afternoon off for the pediatrician? Can they afford the urgent care copay? Will they need to delay treatment because the deductible hasn’t been met?
These questions are more than just logistical — they’re financial.
The Challenge: Family care is essential, but often unaffordable
Families today are managing everything from childhood asthma to ADHD to surprise ear infections, and the cost adds up quickly. A Statista study found the average annual medical cost for a family of four in 2023 was roughly $31,000.
Moreover, 37% of U.S. adults dipped into emergency savings last year, with 80% of withdrawals going toward essentials, like medical bills or rent.
Even with insurance, many plans come with high deductibles, limited pediatric networks, or out-of-pocket costs that make it hard for parents to say “yes” to care without second-guessing their budget.
So what happens? Parents are often forced to delay care, skip appointments, and hope it’s nothing.
And when it is something? Stress, financial strain, and lost trust in the very benefits meant to help come rushing in.
The Good News: There’s a better way to support family health
Paytient offers a modern solution to a modern problem. With a Health Payment Account (HPA), employees can access care for themselves and their families right away, then repay the cost over time, interest-free, and without fees.
From routine checkups to urgent prescriptions, families can use Paytient to manage:
- Pediatrician visits
- Immunizations and physicals
- Behavioral health and therapy
- Lab work and diagnostics
- Emergency and urgent care
No credit checks. No confusion. Just immediate access to care when it’s needed most.
Why it works for employers
Paytient helps employers:
Support working parents without increasing costs.
—There’s no change to your existing benefits or plan design.
Reduce absenteeism and presenteeism.
—Parents who can afford care are more likely to stay at work and stay focused.
Foster loyalty and satisfaction.
—90% of Paytient users report higher satisfaction with their benefits.
What families experience
Say an employee’s child needs therapy sessions that aren’t fully covered, or an urgent care visit for strep. Instead of putting off care or absorbing another high bill, they use Paytient to cover the cost upfront and repay over time.
The result? Relief instead of frustration, and support instead of stress.
The bottom line
Every parent deserves to say “yes” to their child’s health without wondering how they’ll afford it.
With Paytient, you can give working families peace of mind, access to care, and a reason to stay.
You can be the hero. Learn more about how you can support the parents who support your business.
