For Business | Health Payment Account

An HPA is an interest-free, no-fee alternative payment option to pay for out-of-pocket healthcare expenses over time without high interest costs. For example, an employee visits an ear, nose and throat (ENT) doctor for a chronic sinus infection and has $150 payment responsibility. At time of service, members can activate their HPA benefit and pay using their HPA card. For each transaction, HPA members pick an interest-free payment plan that fits their budget and preferred payment source.

An HPA is a benefit sponsored by employers, so they determine employee eligibility. HPA membership is tied to continued employment. If that employment ends, so does the employees’ continuing enrollment in an HPA as a benefit. But, if money is still owed to the HPA, it needs to be paid back, even if the employee is no longer employed by the sponsoring employer.

When an employee establishes an HPA, they’re required to set up a default repayment method such as payroll deduction or personal checking/banking account. Monthly payments are then deducted from the designated repayment method.

Employers are not responsible for collecting HPA balances. If an employee leaves your organization, they will no longer be able to make new charges on the HPA. Paytient will contact those individuals directly to figure out the best way to continue repaying any outstanding balances.

No, the available amount on the HPA can be used to set up a new, overtime payment plan. For example, a plan has a $1,000 limit, and currently has a remaining balance due of $300. An additional $700 is available to begin a new charge repayment plan.

Employers have the flexibility to determine how HPAs are used for medical, dental, pharmacy, vision, and/or veterinary expenses at both in-network and out-of-network providers.

The HPA card will not work for other expenses, such as groceries, gas, etc. HPA cards work at most providers that accept Visa if the merchant bills to a covered category (e.g., medical, dental).

Rarely, a provider might be owned by another company with a different merchant category that isn’t included in the program. In those cases, employees can contact the Paytient customer support team for help.

Nothing. Employers pay a simple subscription to make HPAs available to their employees. Members pay back what they spend on their HPA and not a penny more!

Account holders may be able to adjust payment plans to fit their budgets better. They can do so by emailing hello@paytient.com for assistance.

Yes. An HPA can cover bills still owed to providers if they are not already being collected by a different party. Simply use the HPA Visa card as the payment method, then plan payments with the HPA app.

Yes. HPAs cover care costs for employees as well as their loved ones.