If you enrolled in the Healthy Savings Plan for your medical insurance, you may be eligible to enroll in a health payment account (HPA). An HPA establishes a revolving line of credit to help pay for health care costs via payroll deduction.
The University has partnered with Paytient, the nation’s largest provider of health payment accounts.
About the Account
- The Paytient health payment account provides a $2,000 revolving line of credit to pay for out-of-pocket health care costs.
- You can use it for medical, pharmacy, dental and mental health expenses.*
- The account offers repayment plans customizable through payroll deductions.
*Subject to approval. The Paytient card works with providers in approved merchant categories, including select online merchants. Providers self-select their categories, which may not be categorized as expected. These categories vary by Sponsor. Check approved categories on my.paytient.com or the Paytient app. Some purchases must be made at specific points of sale, like pharmacy check-outs. Note: The card cannot be used for health insurance premiums.
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☑ Eligibility
To be eligible for the health payment account:
- You must be a current benefit-eligible employee.
- You must be covered by the University's high-deductible health plan (Healthy Savings Plan).
- Paytient will confirm eligibility through the registration process.
📋 How to enroll
- If you are enrolled in the Healthy Savings Plan, you will receive a welcome email from Paytient inviting you to create an account. You can also visit Paytient’s website to sign up for your health payment account.
- Paytient is required to confirm that you are able to afford your monthly minimum payments. 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.
- Once your account is created, you will receive a Paytient Visa® Card that can be used to pay for up to $2,000 of out-of-pocket health care expenses.
The Paytient Visa® Credit Card is issued by Commerce Bank, Member FDIC.
💳 Using your HPA
- Use your Paytient Visa® Card to pay for current or previous expenses related to medical, pharmacy, dental and mental health for you or your dependents.
- After using your Paytient Visa® Card, you will select a repayment plan that you can pay back without interest or fees through a payroll deduction from your University paycheck.
- University-customized Paytient site, including:
- Virtual guide to Paytient webinar
- FAQs and more
- Paytient quick start guide
- Go to the plan contacts webpage to find plan administrator contact information
- Full list of forms and guides
Reviewed 2025-07-01
