Mental health is on everyone’s mind. But for too many, it’s still out of reach.
The numbers tell the story: Between 25% and 50% of adults experience mental illness in their lifetime. Nearly 55% of them go without treatment.
Demand for therapy, counseling, and psychiatric care has surged in recent years, especially in the aftermath of COVID, rising burnout, and growing awareness around anxiety, depression, and trauma. But even when mental health services are technically “covered,” steep out-of-pocket costs, like copays and high deductibles, can stop employees from getting the care they deserve.
And it ends up costing U.S. employers more than $200 billion each year in healthcare utilization and lost productivity.
Here’s the Challenge
Today, 73% of employers say mental health is a top priority in their benefit strategy. But most plans still create hurdles: high costs, limited networks, and session caps. Employees want help — they’re asking for it. But all too often, they’re met with a confusing, expensive maze.
And when care is delayed or avoided, issues escalate, productivity dips, costs rise, and HR teams are left managing disengagement and dissatisfaction.
It doesn’t have to be this way.
A More Accessible Path to Mental Health Support
Paytient empowers employers to bridge the mental health access gap without overhauling their health plan or breaking the budget. No network limitations. No pre-approval red tape. Just straightforward, interest-free access to care.
With a Paytient Health Payment Account (HPA), employees receive a plan-sponsored, revolving line of credit they can use for qualified out-of-pocket expenses, including mental health services. That includes therapy, psychiatry, medications, and more, without any network requirements. Employees repay the balance over time with no fees or interest.
Employees can use Paytient to pay for mental health care out of pocket, then repay over time with no interest or fees. Better yet: Employers don’t assume the cost of care, but they do get the credit for offering a way to access it.
No more putting off care because of a $75 copay, or getting stuck because the “right” provider is out-of-network. It’s not about changing what you cover — it’s about ensuring your people can afford to use it.
Why Paytient Works for Employers
- No change to your core plan design
Offer real mental health support without changing deductibles, copays, or tiers. - All care, any provider
In-network, out-of-network, virtual, or in-person — employees can choose what works best. - Happier, more loyal teams
94% of Paytient users report less financial stress, and 71% say Paytient makes them more likely to stay with their employer. - Healthier outcomes, lower risk
Getting ahead of mental health challenges means fewer crisis claims, absences, and long-term costs.
What Employees Experience
Picture this: An employee finds the right therapist, but they’re out-of-network. Instead of walking away or waiting until payday, they use their Paytient card to pay now and split the cost into interest-free installments.
They get care without delay. And they walk away feeling seen, supported, and empowered, instead of stuck or ashamed.
The result? A healthier, more productive employee who feels valued by their employer, versus shut out by the system.
The Bottom Line
You don’t need a costly overhaul to make a meaningful impact. Paytient helps employers keep their promises by turning “we care about mental health” into a real, usable experience for employees, without breaking the plan, the budget, or the system.
Mental health care shouldn’t be a luxury or a last resort — it should be as routine and as respected as a checkup or a dental visit.
If you’re looking for a better way to support your team’s mental health, let’s talk.
There’s a smarter, more sustainable way to say “yes” to care that actually works.
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