The Ephraim McDowell Health System has been providing the highest level of care to patients in central Kentucky for over 130 years.
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 Ephraim in reducing our expenses related to patient payments. Having AblePay process these patient claims on our behalf means lower costs and guaranteed payments for the health system. AblePay then takes a portion of these savings and shares them with their members (our patients) who can then save on their out-of-pocket medical expenses. They simply retain a portion of the savings to fund the work they do for both Ephraim and for our patients.


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 Ephraim patients are automatically accepted into the program without any credit checks!


AblePay works for our patients by providing savings, up to 13%, on your out-of-pocket medical expenses. They also provide flexible payment options to give you time allowing you to pay medical bills on terms that meet your current financial needs. Since all your Ephraim bills are conveniently stored in your AblePay portal, paying your bills has never been easier. Plus, the AblePay billing advocates are available to answer any questions you may have regarding a bill. 

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

Ephraim McDowell Health and AblePay Story

There is a rich history regarding the Ephraim McDowell Health System. Beginning with our first community hospital in 1887, the system has grown to three hospitals to serve our patients in central Kentucky. Much like our namesake, the groundbreaking local physician and surgeon Ephraim McDowell, we continue to provide the latest medical services and procedures for the 119,000 plus residents we serve. 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. Ephraim McDowell Health became aware of AblePay through mutual contacts 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 health system control our receivable expenses. Since 2017, AblePay Health has been working with medical providers, patients, and employers in eastern Pennsylvania. Their expansion into Kentucky was a logical next step after partnering with providers in southwestern Ohio. 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 an Ephraim McDowell Health System provider, show your AblePay card when you present or verify your primary health insurance. Ephraim will process your AblePay card like secondary insurance. After your service is complete and your insurance company processes your claim, Ephraim 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 Ephraim McDowell Health System 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