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Medical bills are one of the most significant expenses you may face as a consumer. You may also find these bills to be confusing as well.


AblePay provides flexible payment options based on your individual financial needs, with savings up to 13% on your out-of-pocket medical expenses.


If you need any help understanding your bill or navigating the medical billing system, an AblePay billing advocate is available to help. We will even contact your providers’ billing department on your behalf.


Plus, our convenient member portal makes storing and paying medical bills more effortless than ever before, saving you time.

AblePay Health is Saving Independence Blue Cross Members Money and Time!


Let AblePay work for you!

Protecting your health is more than just taking care of your physical well-being. It’s also about your financial wellness. AblePay Health provides savings on your out-of-pocket expenses such as deductibles, coinsurance, and copays.


As an Independence Blue Cross member, AblePay is available to you and your family at NO-COST. In addition, since AblePay works after the primary health insurance processes the claim, you can add others to your account, even if they are not on your Independence Blue Cross plan.

AblePay IBX 2022 V2
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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. Already a member? If so, there is no need to re-enroll. Your membership is intact.


Once enrolled, keep your AblePay card with your insurance information. Show your AblePay card the next time you visit a medical provider. While we are not insurance, the provider should enter AblePay as your secondary payor for the purpose of processing your claim.


AblePay will send an email notifying you that your bill was received and to visit your member portal. Once notified, you will have five (5) days to decide if you would like to change your default payment term or the payment method. If no changes are made, we will use the payment term and method chosen during enrollment.


After your service is complete and your primary insurance company processes your claim, the provider will bill AblePay. Your insurance carrier will still provide your Explanation of Benefits (EOB).


We encourage members to show their AblePay card at all provider visits as we will attempt to negotiate savings, regardless of their contractual agreement with AblePay. Providers currently accepting AblePay can be found HERE

Some of the Providers Currently Accepting AblePay


AblePay Health Saves you Time and Money!


This “explainer” video might answer any additional questions you may have, plus it shows you step by step how to enroll and use your member portal. Of course, never hesitate to contact us with a question; our information is listed below.