The power to pay whenever life happens.
Paytient is a better way to pay for out-of-pocket healthcare costs for the whole family.
Paytient is a sponsored, interest-free line of credit1 for healthcare and/or veterinary expenses2 that we call a Health Payment Account (HPA). Use it to pay for care over time with no interest or fees.
Let's get started!
Paytient is available thanks to Skai and Arkansas Blue Cross and Blue Shield.*
Really, no interest or fees? Really.
We get it. Most credit cards with an introductory 0% APR stick you with a high interest rate or fees later. That’s not us. Paytient has no interest or fees, ever.
If you’ve been offered a Paytient card at work or through your health plan, your employer or health insurer is paying to give you access to interest-free credit for care.
Learn more about how Health Payment Accounts work.
What about my credit?
There’s no credit check when you activate your Paytient card3. No soft or hard pulls. Zero. Nada.
Note that we are legally required to ask a couple of questions regarding your ability to pay when you sign up. We simply compare your monthly income to your monthly expenses to make sure Paytient is extending credit in compliance with all federal and state regulations.
The benefit everyone is talking about
Big savings
Find out what you could be saving!
Spread your healthcare expenses and stack up savings with the Paytient card’s interest-free payment plans. Take our savings calculator for a spin and see the difference!
Paytient makes this comparison using the following assumptions to calculate savings:
Paytient makes this comparison using the following assumptions to calculate savings:
We assume an average credit card APR of 22.8% based on the CFPB’s latest Credit Card Market Report.
We assume the cardholder pays 2% of the balance or $25.00, whichever is greater per month, and accrues interest until the total balance is repaid.
Refer to your Paytient account to see your credit limit and repayment terms.
Transactions cannot be split into amounts less than $5.00.
FAQs
Get answers to common (but key) questions about Paytient.
Who is eligible for Paytient?
Paytient is a benefit you can use if your employer or health plan sponsor it. Your Paytient membership is tied to your job or health plan, so if your employment or health plan coverage ends, so does your access to Paytient. But remember, if you still owe money on your Paytient card, you'll need to pay it back, even if you're no longer employed or enrolled in the sponsored health plan.
Where can I use Paytient?
Your Paytient card can be used to pay for medical care at your preferred LCMC Health locations, including Children's Hospital New Orleans, Touro Infirmary, University Medical Center New Orleans, New Orleans East Hospital, West Jefferson Medical Center, East Jefferson General Hospital, and any LCMC Health Urgent Care. Additionally, you can use your Paytient card to pay for pharmacy, dental, vision, and veterinary care at the provider of your choice.
Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore the transactions may not be categorized as a medical expense as you might expect. If your card is unexpectedly declined, contact Paytient customer support.
How does Paytient work?
Say you visit an ENT doctor for a sinus infection that won’t go away, and you leave with a $150 bill. You can split that charge into 10 payments of $15 — or five payments of $30. For each transaction, you’ll pick an interest-free payment plan that fits your budget.
Does Paytient work for previous medical bills?
Yes. Your HPA can be used to pay bills still owed to providers, as long as they are not being collected by a different party other than the provider.
Can I use this for my family/dependents?
Sure! Paytient HPAs can be used to pay for care for the cardholder as well as their loved ones.
How does an HPA work with an HSA or FSA?
Using your HSA and FSA4 accounts to repay your Paytient balance are great ways to capitalize on tax advantages. You can add your HSA or FSA account through Plaid as a payment method in your Paytient account and then use them to cover any qualifying expenses. You cannot pay for veterinary expenses with an HSA or FSA. Please refer to the IRS website to determine whether transactions qualify as HSA/FSA expenses — and remember to always keep your receipts!
How much does this cost?
You pay back what you spend on your Health Payment Account and not a penny more! Your employer or your health plan pay a fee per member per month to make your HPA available to you.
Is a credit check required?
No. Paytient does not check credit or pull credit scores before opening an HPA. We ask members to self-report income and expenses during onboarding before we extend credit to ensure we lend responsibly and comply with federal and state lending regulations. Some users may not be able to access the service due to regulatory reasons.
How do I use the virtual Paytient card?
Simply tap the purple card in the Paytient app to view your card information. You can then use this number for qualifying transactions or input the information into your healthcare provider’s payment system.
How do I set up a payment method?
Different groups have different payment methods available. You can easily connect a bank account or log in to explore additional options. Our support team can also take payments over the phone or via chat.
Can I pay off my balance sooner?
Of course. Just log in or open the Paytient app and tap the payment plan settings, and you can pay off your balance earlier than scheduled with no penalties or fees!
Can I adjust my payment plans?
Paytient understands circumstances change. Our support team is happy to adjust a payment plans to fit your budget better. You can do so by chatting with customer support in the app, by calling 866-345-9591, or by emailing hello@paytient.com for assistance.
Can I use my Paytient card at an ATM?
No, you can’t use your Paytient card at an ATM to withdraw cash. Attempting to use your card at an ATM may impact your access to Paytient and could result in account closure. Log in to see the categories for which your card has been approved, or reach out to our customer support team for help.