AblePay Health was founded in Bethlehem, Pa., with a straightforward mission to help healthcare consumers deal with rising costs.

Since 2017 we have saved our members over one million dollars on their out-of-pocket medical expenses. Plus, medical bills can be confusing. So we help our members navigate the billing system, saving them time.

Your clinical care and treatment are paramount, but we know that your financial wellness is also essential.

There is a good chance your provider is currently accepting AblePay. So, join the over 40,000 members saving time and money with AblePay today!

Ready to Enroll Now?

How AblePay Benefits You As A Patient

AblePay is a NO-COST program that allows you to save, up to 13%, on your out-of-pocket medical expenses (deductibles, coinsurance, and copays) while assisting if you ever have questions regarding your bill.

AblePay is assisting medical providers in reducing their expenses related to patient payments. Having AblePay process these patient claims means lower costs and quicker reimbursement for the health system.

AblePay works with any health insurance, including Medicare, so almost everyone is eligible to participate. You can also include anyone on your account you are willing to be financially responsible for, even if they have a different insurance plan!

Savings- Flexible Payment Options - Convenience - Billing Advocacy

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

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

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 notify you that your bill was received and to visit your member portal. You can then decide which payment option meets your current financial needs.

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).

Show your AblePay card during all provider visits as we will always attempt to negotiate savings with providers, regardless of their contractual agreement with AblePay.

Ready to Enroll?

AblePay Health Saves you Time and Money!

SAVINGS

As an AblePay member, depending on how you wish to pay, you can save up to 13% on your out-of-pocket expenses. The best part, even though you save money, the entire amount of the bill is satisfied at the provider and gets applied to your deductible.

EXAMPLE: $1,000 bill that is your responsibility to pay. Using a term of one payment and an ACH method. We would pull $870 from your authorized payment method. $1,000 is satisfied at your provider; $1,000 goes towards your deductible. You just saved $130. That’s how easy it is!

FLEXIBILITY

We understand that your financial needs may change and that they may change rapidly.

AblePay members have the ability to decide which payment term (1, 3, 6, or 12) or payment method (ACH or Card) meets their current financial needs on every bill we process.

1 Payment 13% Bank ACH, 10% Card

3 Payments 10% Bank ACH, 7% Card

6 Payments 8% Bank ACH, 5% Card

12 Payments 0% Bank ACH, 0% Card

CONVENIENCE

All of your bills are stored electronically in your member portal and are conveniently processed using the payment method(s) you’ve added to your account.

A payment type with an account and routing numbers, such as Checking or Health Savings Accounts (HSAs), get entered as “ACH”.

Anything that’s card-driven; Credit, Debit, Flexible Spending Accounts (FSAs), will be entered as “Card”.

*AblePay does not maintain your financial information. When payment methods are entered during enrollment, the information is sent to a PCI Level 1 financial processing company.