What is a Health Payment Account?
Paytient is a new type of benefit called a Health Payment Account (HPA) that helps employees and plan members access and afford care1.
Paytients use their HPA cards to pay out-of-pocket healthcare and/or veterinary expenses2, tapping into a small line of credit to pay out-of-pocket costs upfront. After each transaction, they choose an interest-free payment plan that fits their budget.
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HPAs are the benefit for today’s needs.
For many Americans, a surprise expense can be financially stressful. A Health Payment Account can improve the affordability of out-of-pocket bills.
of Americans have foregone care due to financial limitations.
of employees look to their employers for financial support.
Americans with health insurance shouldn’t have to make the painful choice between physical and financial health.
HPAs create a healthier cycle for everyone:
- Healthcare bills become a manageable expense.
- Paytients are empowered to get care sooner.
- Large claims are reduced.
- Benefit costs don’t skyrocket in subsequent years.
- Employees are more likely to stay in their job due to a better benefits offering.
Alongside any health plan, HPAs help employees prioritize their wellness by removing financial barriers to care. HPAs also enhance existing healthcare financing tools, including insurance plans, gap products, indemnity products, and HSAs/FSAs.