FREQUENTLY ASKED QUESTIONS

HOW CAN THERE BE NO COST?

We cover our costs and fund our business by negotiating with medical providers. We assist medical providers by helping reduce their expenses and shorten their receivable times. In exchange for prompt payment, providers are willing to offer us a lower rate, which covers our business costs.



WHAT DOES "ACH" MEAN?

ACH stands for “Automated Clearing House” and it is an electronic network for financial transactions. It is typically associated with bank transactions (checking/savings accounts).



WHAT DOES "BANK" MEAN?

The term “Bank” refers to a payment method that typically has an account and routing number. This can be checking or savings accounts along with health-related accounts (HSA/FSA), provided you have both an account and routing number.



WHY IS THE DISCOUNT DIFFERENT BETWEEN BANK AND CARD?

Payment processors charge a higher fee for a card transaction, which reduces the discount.



WHAT DO YOU DO WITH MY PAYMENT METHOD INFORMATION?

When you add a Card or Bank, your information is sent directly from your device to a third-party payment processor. The processor associates your method with AblePay Health so that we may charge or refund it, without ever viewing your sensitive information.



WILL ABLEPAY HEALTH SHARE MY INFORMATION?

As noted in our Privacy Statement – we share only the information required to fulfill our work on your behalf.



WHAT DOES "PROVIDER NETWORK MEAN"?

The term “network” is inclusive of all providers and services associated with a particular health system. This would include both the hospital, as well as the employed physicians (Physician Group) and ancillary services provided by that health system.



CAN I USE ABLEPAY FOR MY PRESCRIPTIONS?

At this time, we only provide discounts on medical services that go through your health insurance provider. We are unable to discount prescriptions.



CAN I USE MY ABLEPAY CARD AT THE DENTIST?

At this time, we only provide discounts on medical services that go through your health insurance provider. Dental care is a supplemental insurance. We are unable to discount dental care at this time.



WHY DO I NEED A "DEFAULT PAYMENT METHOD AND TERM"?

You may change how to pay each bill, but in the event you do not, we will charge your Default Payment Method according to your Default Payment Term.



HOW WILL I KNOW WHEN ADDITIONAL PROVIDERS ARE ADDED?

You can find our current participating providers list, under the providers tab at the top of our website. In addition, we will send email notifications as they are added.



IS ABLEPAY HEALTH HIPAA COMPLIANT?

Yes, AblePay Health is HIPAA compliant and takes the security of your Protected Health Information (PHI) seriously.



WILL I STILL RECEIVE AN EXPLANATION OF BENEFITS (EOB)?

Yes! You will still receive an EOB from your insurance carrier.



WHAT CREDIT CARDS DOES ABLEPAY HEALTH ACCEPT?

We accept any card serviced through Visa, MasterCard, Amex, or Discover.



WHAT IF I NO LONGER WISH TO BE A MEMBER?

If you no longer wish to enjoy the benefits of an AblePay Health membership, please send written notification to AblePay Health. We will inactivate your membership and any new claims will not be processed. You will remain responsible for all outstanding balances prior to inactivation.



WHAT HAPPENS IF I DO NOT SATISFY MY OUTSTANDING BALANCES?

We will make every effort to work with you in regard to outstanding debt. Members who fail to meet their financial responsibilities as agreed to in the enrollment process may be pursued through further collection actions in the same manner a provider would.



WHAT IS A FAILED PAYMENT TRANSACTION AND IS THERE A FEE?

A failed transaction can be the result of an invalid or inaccurate payment information. It can also be the result of not having sufficient funds or credit to complete the transaction. A $35.00 fee will be charged for each failed transaction as stated in the Payment Agreement.



CAN I PAY IMMEDIATELY RATHER THAN WAIT FOR A DATE TO BE SCHEDULED?

Yes, for a “new” claim, the “Pay Today” button will start the process with your current Default Payment Method and Term immediately rather than waiting for the scheduled date.



CAN I PAY OFF MY BILL EARLY?

Yes, let us know if you would rather not continue your existing payment schedule. The amount will be prorated.



WHAT IF I HAVE A CONCERN WITH MY BILL PRIOR TO PAYING?

If you feel there may be an error pertaining to your claim, contact us and we will place the claim on hold while we contact the provider on your behalf.