Paytient

Paytient is a new Health Payment Account (HPA) that will allow members to access and afford care – without delay. Available to individual and family plan Affordable Care Act (ACA) members beginning January 1, 2025.

Paytient gives you the confidence to pay for out-of-pocket medical and prescription medication costs over time. With no interest or fees, you can set up a repayment plan that works for your budget and can be spread over 12 months.¹ Payments are automatically deducted according to your preferred schedule.

Eligibility does not require a credit check and does not impact your credit.²

Use the card to pay for:

• Doctor's visit copays
• Medical treatments
• Mental health services
• Prescription medications

Here's how much you can access if approved:

• If you're single: $500
• If you have a spouse or dependents: $1,000

Once approved, you can instantly use your virtual Paytient Visa® card on eligible healthcare costs until the physical card is sent to you.

Paytient will be available January 1, 2025, for members who have enrolled in an ACA plan by December 15, 2024, and are current with their premium payments.   

Learn more about Paytient

1 The Paytient card is a line of credit that is subject to approval and works with providers in approved merchant categories. The provider self-selects their merchant category, and in some cases, might not be categorized as expected.  All charges made to the Paytient card must be repaid according to the terms outlined in the cardholder agreement. Please note: the Paytient card cannot be used to pay health insurance premiums.

2 Paytient is required to confirm that you are able to afford your Paytient monthly minimum payments, and they do this by comparing your income to your expenses during your application. This is not a credit check and will not affect your credit. The Paytient Visa® Credit Card is issued by Commerce Bank, Member FDIC.