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How it works

Paying the bill is often the most painful part of getting care.

As a result, 38% of Americans reported skipping or delaying care due to cost in a 2022 Gallup study.

Our Health Payment Account is purpose-built to give employees1 the power to pay so they are better able to access and afford care for themselves and their loved ones—whenever they need it.

The Paytient VISA card turns out-of-pocket medical, pharmacy, dental, vision, and veterinary expenses2 into no interest, no fee repayment plans that work for any budget.

Importantly, employers don’t contribute funds to the HPA account and they are not responsible for unpaid balances.


Paytient helped Amy afford her son's care without neglecting her own health.

Members love health payment accounts
"Paytient was a blessing to me. I had been without my glasses for five months because they are expensive, and then I remembered I had that card. It covered the cost of my glasses at a time when money is tight."

– Carla

“This is so helpful to not have to pay everything upfront! It makes it easy to think about going to the doctor when you don’t feel good instead of just pushing it off because you know you’re going to have to pay a big fee upfront.”

– Bob

“I am now able to go to the doctor without waiting for appointments around my cash flow and then pay as I get paid since my deductible is so high. So easy — just like any debit/credit card transaction.”

– Betty

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Person holding a Paytient card

Small benefit,
big impact.

Access to care, financial wellbeing, health equity, and retention are challenges employers must address to build healthy and productive teams.

Paytient partners with employers to address these challenges, including:

  • Reduced absenteeism
  • Lower turnover
  • Measurable health equity impact
  • Lower claims expense over the long term

24/7 virtual care.
Major Rx discounts.

Advance employee access to care while lowering costs, with around-the-clock virtual care and markdowns on prescriptions at over 35,000 pharmacies.

  • Virtual care inside a highly utilized platform, easily payable with a Paytient card.
  • Strengthens benefit stack with a whole health approach, and doesn’t trigger ERISA.
  • Improved effectiveness of care and reduced ER visits, high-cost claims, and work hours lost.
  • Better medication adherence and reduced Rx cost.
Physician responding to a patient on her mobile device.

How Paytient helps with —


Paytient reduced turnover rates by 32%

In a 2023 analysis including 68 employer groups and over 11,000 employees, active Paytient cardholders had a turnover rate 32% lower than those without the card.

How would your team benefit if your turnover rate went down by almost a third? Employers are saving not only recruiting costs but their HR teams get back the time they were spending on finding new employees.

This infographic highlights the following: a 28% turnover among employees who do not use Paytient and a 19% turnover among employees who have repeatedly used Paytient.
Illustration of a mother and daughter embracing.

No interest or fees— ever.

Paytient is sponsored by employers who are mindful of their responsibility to improve the physical and financial wellbeing of their employees. That’s why there’s no interest or fees for Paytient cardholders.

With high interest credit cards, payday loans and other predatory medical financing options out there, it’s important to arm your team with a financially healthy option to pay for care.


Paytient drives measurable health equity impact—

While we see broad adoption of the Paytient card across eligible employee populations, those who live in below average income zip codes are 12% more likely to activate their card and 16% more likely to swipe their card to pay for care.

This is meaningful because below average income zip codes are where the CDC’s SDOH data shows higher incidence of mental health issues and chronic conditions like diabetes and asthma.

Illustration of a woman with a mobile phone in her hands. She is wearing sunglasses and looking into the distance.
Illustration of a male nurse crouched down while wrapping a child's foot with a bandage.

Paytient promotes early, less costly treatment.

In a 2023 survey, 67% of respondents said that without their Paytient card they would have delayed or skipped care.

The Paytient card helps people afford routine care, diagnostic imaging, prescriptions, and medical supplies to catch, treat, and manage conditions before they require more serious care like hospitalization.


Still have questions? We’ve got the answers.

Get to know us better.

See how Paytient works in this brief explainer video.

Learn how Paytient turns your employee’s out-of-pocket expenses into manageable payment plans.
See the platform in action after an employee uses their Paytient card at the point of care.
Hear feedback from employees at other companies that have implemented Paytient.
A cropped image of a mobile phone displaying a payment schedule module on its screen. The module prompts the user with the question, 'How do you want to pay for your total of $62.89?' Repayment options are presented on the screen, allowing the user to split the total into one, two, three, or four payments. Surrounding the mobile phone are floating icons representing different medical categories: medical, dental, pharmacy, and vet.
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