Member engagement healthcare innovation
Be the "yes" plan.
When members are able to pay for care, you become a trusted ally in their pursuit of wellbeing. As they opt for earlier, more frequent care, you’ll see improved engagement and plan performance.
Integrated into 6,000+ employer health plans
Key benefits
Earlier treatment, lower costs, stronger plans.
Paytient drives smarter decision-making—and that changes everything. As members opt for more and earlier care, the cost of care improves, along with overall plan performance.
Fewer delays, more follow through
Paytient removes out-of-pocket costs as a barrier to care, for more preventative visits, prescription pick-ups, and better adherence.
Cost containment accelerates
Curb cost escalation and increase efficiency over time. By minimizing avoidable delays today, you prevent expensive complications tomorrow.
Optimal plan performance
In addition to gains driven by earlier care, Paytient uses data from millions of care transactions to provide insights for continuous plan refinement.
Give your members the freedom to choose well.
Unlock affordability and choice at the point of care, and lock in competitive advantage. That’s the power of Paytient.
Retain more members
Replace front-desk stress with confident “yes” moments. Retention rises as members feel cared for and supported by your plan.
Raise the standard of care
Measurable gains, like higher medication adherence and fewer emergency claims, underscore a bigger shift: better health outcomes for members.
Earn member loyalty
By offering an affordability layer for existing plans, you address a top pain point—that people can’t afford to use their health benefits.
Built-in affordability, integrated your way.
Paytient gives members Health Payment Accounts (HPAs) with up to $10k in purchasing power1. By seamlessly layering in the certainty of affordability, without disruption to plan structures, Paytient unlocks plan flexibility—so members can avoid overinsurance.
Embed Paytient in plans
Make Paytient part of the plan structure, giving all members3 a simple, affordable way to access the care they need2, whenever they need it.
Offer a voluntary add-on
Give employers the choice to opt in to Paytient as a layer of financial protection, freeing them from the fear of prohibitive out-of-pocket costs.
Plug in via partners
Our partnerships with third-party providers open up even more options. You may be able to offer Paytient through partner infrastructure you already use.
Higherretention
90%
retention for members using Paytient
Earliercare
80%
of members accessed care they would have avoided
Thrivingmembers
78%
of members say they are healthier because of Paytient
Higherretention
90%
retention for members using Paytient
Earliercare
80%
of members accessed care they would have avoided
Thrivingmembers
78%
of members say they are healthier because of Paytient
Easy implementation
Supercharge benefits in days, not weeks.
Whether you're enhancing employer-sponsored plans including HDHPs, ACA plans, or Medicare offerings, Paytient is flexible to implement and fast to launch.
Compatible with all plans
Layers onto all health plan types without any structural redesign required.
Spans care settings
One effortless platform opens up access to medical, dental, pharmacy, and veterinary care2.
Simple to activate
Setup is quick and member activation is immediate—with minimal administrative lift.
Case study
Solving real benefits challenges.
See how Paytient is building the Better Care Economy—one success story at a time, improving lives and bottom lines.
The Coordinating Center: breaking down high-deductible barriers
"Strong benefits weren't enough. High deductibles kept employees from accessing care when they needed it. Paytient removed that barrier, giving employees confidence to choose cost-effective coverage and get care without delay."
So many ways to thrive with Paytient.
Whether you bundle Paytient’s HPA into your plan, choose a white-label solution, or leverage our capabilities through a partner’s platform, you can move fast without disrupting your systems.
That’s why Paytient is quickly becoming essential infrastructure across the healthcare ecosystem.
Streamlining the benefit experience for members and providers through Alternative Plan Designs.
Powering affordability with Gravie Pay, an innovative healthcare payment solution.
Be part of the Better Care Economy.
Partner with Paytient and you can give members the power to say “yes” to care, while controlling costs and improving outcomes.
FAQs
Get answers to common (but key) questions about Paytient.
Can Paytient be launched off-cycle?
Yes! You do not need to wait for an open enrollment decision or election to introduce Paytient’s healthcare affordability solution to plan members. We've had partners position Paytient as a value-add benefit, which means they were not required to include it in certificate filings for their states.
What happens if a member leaves the plan or doesn’t repay the amount they’ve borrowed?
Paytient assumes all risk associated with the line of credit extended to members. If a member leaves the plan, Paytient works directly with them to establish a healthcare payment plan for continuing payments. Insurers are not responsible for any unpaid balances. Once coverage ends, the Paytient card can no longer be used for new charges, and any outstanding balance must be repaid according to the agreed-upon payment schedule.
Does Paytient have to be added group by group, or can it be added to an entire block of business?
Paytient is highly customizable. You can add it group by group, at any time, with an employer- or insurer-determined credit line. This includes customizing Paytient with any combination of medical, pharmaceutical, dental, vision, or veterinary care.
How does Paytient decide whether a charge qualifies as an accepted medical expense?
Paytient uses merchant category codes to verify that transactions are made with approved providers and businesses. Cards can be used with providers in eligible categories—such as medical, dental, and vision—regardless of network participation or whether the service is covered by insurance.
Please note that providers and businesses assign their own merchant categories, and in some cases a provider may be categorized incorrectly. If a transaction is declined unexpectedly, Paytient’s customer support team is available to help resolve the issue.
What happens if there's a dispute over a provider charge?
Any dispute regarding a transaction paid with Paytient will be handled as a credit card transaction dispute under Regulation Z of the Truth in Lending Act. Either the provider or Paytient will correct any errors.
What happens if a member pays too much to a provider?
This circumstance could fall under the No Surprises Act. Paytient has an intake and handling process to further determine the nature of any disputes and identify what regulatory requirements might apply to a given situation.