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At Appalachian Regional Healthcare our mission is to improve the health and promote the well-being of all people in Central Appalachia in partnership with our communities. Our goal is to provide an unparalleled experience as we strive to be the most trusted home for healthcare.


While the clinical care and treatment of those in our community is paramount, we know our patients' financial wellness is also extremely important. With this in mind, we are happy to introduce AblePay Health to all our patients.


How AblePay Benefits Our Patients

AblePay is a NO-COST program that allows you to save on your out-of-pocket medical expenses (deductibles, coinsurance, and copays) while assisting if you ever have questions regarding your bill. 

We know that it sounds too good to be true, but we can promise you there is no catch. Here’s how it works: 


AblePay is assisting Appalachian Regional Healthcare in reducing our expenses related to patient payments. Having AblePay process these patient claims on our behalf means lower costs and quicker payments for the health system.

Patients wishing to use the AblePay program can expect a convenient member portal, making paying medical bills easier than ever before.

They can also take advantage of savings, up to 13%, on out-of-pocket medical expenses. A member's savings are determined on how quickly they wish to pay AblePay. They also provide flexible payment options on every bill, allowing you to pay medical bills on terms that meet your current financial needs. Plus, AblePay billing advocates are available to answer any questions you may have regarding a bill. 

​AblePay can be used with any health insurance, including Medicare, so almost everyone is eligible to participate. You can also include anyone on your account that you are willing to be financially responsible for, even if they have a different insurance plan! All interested patients will automatically accepted into the program without any credit checks!

Do not hesitate, enroll today, and let AblePay Health work for you!

The Appalachian Regional Healthcare and AblePay Health Story

There is a rich history regarding Appalachian Regional Healthcare (ARH) and the residents of Central Appalachia. Since our founding in 1956, the United Mine Workers of America (UMWA) and thousands of citizens in the coal communities dedicated the Miners Memorial Hospital Association’s (MMHA) facilities. Since then, we have opened and closed facilities, and changed our name from Appalachian Regional Hospital to Appalachian Regional Healthcare to more accurately describe its far-ranging services.

Today, we operate hospitals in Barbourville, Hazard, Harlan, Hyden, Martin, McDowell, Middlesboro, Prestonsburg, South Williamson, West Liberty and Whitesburg in Kentucky; as well as Beckley and Hinton in West Virginia. ARH has always responded to the changing demands of rural healthcare.

The connection with AblePay Health is a more recent part of that history.

AblePay Health, based in Bethlehem Pennsylvania, was founded in 2016 with a mission to offer a simple solution to the rising out-of-pocket medical expenses that many patients face today.

ARH became aware of AblePay through a mutual contact in the healthcare industry. We immediately recognized the value their program provided to our patients as well as the impact they could have in helping the network control our receivable expenses.

Since 2017, AblePay Health has been working with medical providers, patients, and employers in eastern Pennsylvania. Their recent expansion into Ohio, Kentucky, and Georgia made it logical for ARH to take advantage of their unique program. We are excited to partner with them to assist our patients with their out-of-pocket medical expenses.

How to Use AblePay

The first step is becoming a member. Enrolling is simple and takes less than five minutes.

  • Just use any of the “ Enroll” buttons on this page.
  • Enter your demographic information as prompted.
  • Add your family members that you’ll be responsible for (they can have a different insurance plan).
  • Select your default payment term and add your payment method(s).
  • Review the terms of service, privacy policy and verify your email.
  • Receive your AblePay card(s) in the mail and keep with your insurance card. 
The next time you visit a Appalachian Regional Healthcare (ARH) provider, show your AblePay card when you present or verify your primary health insurance. ARH will process your AblePay card like secondary insurance. After your service is complete and your insurance company processes your claim, ARH will bill AblePay. You will get an email from AblePay notifying you that they received your bill and the amount you owe (after your insurance processes the claim). Your insurance carrier will still provide your Explanation of Benefits (EOB). Once notified of a new claim, you will have 5 days to decide if you would like to change your payment method and term to meet your financial needs. If you make no changes, after 5 days the first payment will be pulled from your default payment method based on the default term you chose during enrollment.  The best part is that you may utilize the program at any ARH location, hospital, walk-in care, lab, or physician office!


View a short demo to see how it works!


Don't take our word for it. See what your friends, neighbors, and co-workers have to say about AblePay Health.


Already an AblePay Member? Please send us a message using the Member Portal



484-292-4000  | | FAX: 610-706-6120