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Meet Paytient’s Health Payment Account (HPA) benefit.

The Paytient card is a health plan-sponsored line of credit called an HPA that members can use1 to pay for care for their whole family — including pets. After each transaction, they choose an interest-free payment plan that fits their budget.

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On-demand line of credit with a limit set by the health plan.
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Pays for medical, dental, vision, pharmacy, mental health, and vet care2.
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Out-of-pocket costs are paid to providers up front.
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No credit check promotes equitable access3.
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You’re not on the hook for unpaid balances.
why now?

Thoughtful insurers are bundling Paytient with plans.

Today’s leading insurance carriers see the opportunity that comes with unlocking access to care with an HPA to help minimize costs and promote early treatment. Here are just a few of the benefits of introducing Paytient’s HPA to plan members:

  • Cost-effective method of improving access to care, with funds immediately available to eligible members1.
  • Minimal risks or liabilities for the payer — or participating employers.
  • Enhances existing plan benefits — including gap products, indemnity products, and HSA/FSAs.
  • Truly effortless administration. Flexible and scalable to meet the needs of each member.
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Integrated healthcare payment solutions.

Our integrated payment solutions create attractive financial flexibility at the point of care. Our platform powers the back end of innovative plans, like Gravie and Coupe Health, and can operationalize the Medicare Prescription Payment Plan (MPPP) in compliance with Section 11202, IRA.


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  • Enhanced speed to market versus leveraging internal resources
  • Market expertise in operations and population trends
  • White label capabilities
  • Reduces risk in the recollection process
  • High NPS enhances overall member experience with the Sponsor
  • Optional member communication and support
  • Built-in interest-free payments encourage treatment adherence, improving health outcomes
Our members love us — yours will, too!
“Having Paytient helps me not stress over having the entire amount at one time. Great addition to my insurance.”

– Amy G.


Still have questions? We’ve got the answers.

Ready to help your members better access and afford care? Let’s talk.