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Case study

One Life Insurance Company. A Smarter Healthcare Lever. $103K+ Saved.

When employees can pay for out-of-pocket care when they need it, savings follow.

Life insurance companies know better than anyone that planning ahead pays off – and rising healthcare costs are one of the biggest pressures on any benefits budget. This life insurance company partnered with Paytient in October 2023 to give its 650+ eligible employees an easier way to pay for care at the moment it’s needed – so they could keep appointments, fill prescriptions, and stay healthier, while the health plan saw real savings along the way.

Paytient Impact

18%
of eligible employees used Paytient

$335K+
in total out-of-pocket healthcare spend facilitated

$103K+
in estimated 2025 direct direct health plan savings

3:1
return on investment in 2025

Approach

For a company that understands risk better than most, the case for Paytient was simple: when employees can pay for out-of-pocket healthcare costs at the exact moment of need, appointments are kept, medication adherence goes up, and health outcomes improve. In 2025, 17.5% of eligible employees used Paytient to handle out-of-pocket costs across medical, pharmacy, dental, vision, and veterinary care – with medical (40%) and pharmacy (33%) accounting for the majority of the $335K+ in spend facilitated that year. 

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That’s care employees got instead of walking away from it. And when people get timely care, the health plan avoids the high-cost clinical interventions that come from conditions left untreated. In 2025, the result was $103,000+ in estimated direct health plan savings — and a 3:1 ROI relative to program cost. The company also breaks even on the program within three months, every year.

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What members are saying:

“Paytient is convenient and very reliable for those unexpected medical bills. The payment arrangement process is very easy and flexible.”
Paytient Member Since 2023

Strength in numbers.

See what Paytient can do for your health plan