Paytient

Overview

If you’re eligible for RRD benefits, you have Paytient, a no-fee, no-interest health care card you can use to pay out-of-pocket health care expenses, including dental, vision and even veterinary care for your pet. No credit check required, and you’ll have up to 12 months to split payments/repay money you borrow.

Eligibility

The Paytient HPA is available to all benefits-eligible employees, and there’s no credit check required. Paytient will compare your income and expenses when you apply, but it’s because they’re required to confirm you’re able to afford your minimum monthly payments. It isn’t a credit check, and it has no impact on your credit score.

How It Works 

With HSA Advantage, HSA Value & Copay Advantage
Your Paytient health care card has a $1,200 limit. When you use Paytient, the doctor’s office, hospital or pharmacy gets paid in full at that time. You can pay back money you borrow through payroll deduction or your HSA, FSA or bank account. It’s an easy way to pay for care over time. (Note that if you use your card for veterinary expenses, you cannot use your HSA without incurring a penalty or your FSA to pay back money you borrow for such expenses.)

With BCBS Coupe PPO
If you’re enrolled in BCBS Coupe PPO and you answered “yes” to health care financing when you enrolled in BCBS Coupe PPO, your Paytient health care financing card has a higher revolving credit limit. This option is exclusively for BCBS Coupe PPO participants and has up to a $3,000 revolving credit limit ($1,800 higher than the standard Paytient credit limit). Just swipe and pay your copay expenses directly to your health care providers at the time of service.

If you already have a Paytient card, you’ll have a single card but your limit will be increased. Paytient pays your BCBS Coupe PPO providers upfront, while you can create your preferred payment plan on the back end. Payments are processed automatically via payroll deduction or the payment method of your choice. You pay $0 in interest and fees.