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 ENT for a sinus infection that won’t go away and has $150 patient responsibility for payment.

At time of service, members can activate their HPA benefit and elect a payment plan. Employees can then split that charge into 10 monthly payments of $15—or five payments of $30. For each transaction, HPA members pick an interest-free payment plan that fits their budget and is tied to their chosen repayment sources.

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, it’s 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.

The HPA assumes all the risk for the line of credit extended to employees. If an employee leaves, they will no longer be able to make new charges on the HPA, the individuals will be contacted to figure out the best way for them to continue any outstanding payments outside of payroll deduction.

No, the available amount on the HPA can be used to set up a new, overtime payment plan. For example, a plan has a $1000 limit, and currently has a remaining balance due of $300. An additional $700 is available to begin a new charge repayment plan.

The sponsoring organization can offer HPAs that can be 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.