About INSURICA
INSURICA is among the top 50 commercial insurance brokerages in the U.S., and specializes in middle-market Property & Casualty (P&C), risk management, and Employee Benefits (EB) insurance. Placing more than $2 billion in annual premiums for our clients, we are committed to delivering tailored insurance solutions. INSURICA partners with businesses to understand their unique needs and challenges, providing expert guidance and innovative strategies to manage risk effectively. Our team of experienced professionals is dedicated to building long-term relationships with clients, ensuring they receive the highest level of service and support. By leveraging cutting-edge technology and industry insights, INSURICA empowers businesses to protect their assets and achieve their goals with confidence. With a strong focus on integrity, excellence, innovation, and client satisfaction, INSURICA is a trusted partner in navigating the complex world of commercial insurance and risk management.
The History
As a leader in the commercial insurance and risk management space, INSURICA understands the impact of rising healthcare costs on businesses and their employees, especially when those costs start to limit access to care. For their own colleagues , it was becoming a concern that out-of-pocket expenses could possibly become a barrier to accessing necessary treatment. In 2025, they decided to address that.
That’s when INSURICA partnered with Paytient to offer a smarter, simpler benefit: a way for employees to pay for care over time, on their own terms. Just a few months in, the results speak for themselves.
The Challenge
INSURICA has always prioritized offering robust benefits. Recognizing that rising healthcare costs could potentially force colleagues to delay – or even decline – getting the care they required, the company knew it needed an innovative solution to help its colleagues avoid draining their savings just to stay healthy.
They needed a benefit that would:
- Support HDHP adoption without added risk
- Remove financial barriers to care
- Improve employee satisfaction and retention
- Be simple for HR to manage
The goal was clear: make healthcare more affordable without making benefits harder to navigate.
The Solution
INSURICA chose Paytient’s Health Payment Account (HPA) to fill the gaps that traditional benefits couldn’t.
The HPA gives employees and their families an interest-free, fee-free way to pay for care, including medical, dental, vision, pharmacy, and even veterinary expenses.
Instead of postponing care or turning to high-interest credit cards, employees can swipe their Paytient card and split the cost into manageable payments — no stress, no surprises.
The Implementation
Rolling out Paytient was as smooth as it gets.
Led by Benefits and Payroll Manager Kari Hoffman Clem, the implementation was fast, clear, and well-communicated. Kari championed the benefit internally, helping employees understand how (and when) to use it. Her proactive approach meant HR didn’t need to lift a finger twice, and employees got the support they needed right away.
“We were thrilled to implement Paytient at INSURICA, as it empowers our colleagues with a flexible and innovative solution to manage their healthcare expenses,” Clem said. “This partnership underscores our commitment to enhancing employee well-being and providing valuable resources that support financial health. With Paytient, we are taking a significant step forward in ensuring colleagues have the tools they need to thrive both personally and professionally.”
The Results
In the first 5 months:
- 23% of eligible employees have activated their Paytient accounts.
- 35% of activated members have already used Paytient to pay for care.
- 75% of those active users have used Paytient to pay for care more than once.
These numbers are more than just data points — they’re proof that the Paytient is working, and working well.
The Feedback
INSURICA employees have embraced the benefit with open arms. Here’s what they’re saying:
“I used Paytient for an ER Vet bill that was over a thousand dollars. Outside of medical and dental, this is the best benefit my company offers. It was super easy to use, quick to set up, and the fact that I can pick my payment terms was so helpful.” —Christina
“I am lucky enough to be in the benefits world, so I haven’t had trouble remembering to use this resource. It is honestly such a lifesaver for me and my family!” —Amanda
The numbers don’t lie: Paytient earned an NPS of 100 and a 5.0 TrustPilot rating based on early feedback from users.
The Impact
With Paytient, INSURICA has made healthcare more affordable, more flexible, and far less stressful. Employees aren’t just paying for care — they’re accessing it with confidence and gratitude.
By removing financial friction, INSURICA is doing what every great employer aims to do: show employees they’re valued, supported, and worth investing in.
Want to learn more about how you can show your employees you value them? Explore what Paytient has to offer here.
