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Our comprehensive health system exists for one reason – to better serve you. We are proud to be your trusted neighbor, striving each day to connect you with what’s important to you, whether that’s wellness and prevention, experienced specialists and life-changing care, or something in between. We are your partner in health, always here for you, to build a healthier community.


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 Virtua Health 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 Virtua Health and AblePay Health Story

There is a rich history regarding Virtua Health and the residents of New Jersey. Since our beginning in 1885 as the West Jersey Health System, much has changed, yet our mission remains the same. We merged with Memorial Alliance Health creating the network we know today. Most recently we brought Lourdes Health System into the network, providing an even more comprehensive approach to care for patients in South Jersey.

Our medical and surgical experts are among the best in the country. We have more than 14,000 colleagues, including more than 2,850 skilled and compassionate doctors, physician assistants, and nurse practitioners equipped with the latest technologies, treatments, and techniques to provide expert care close to home

While health care is constantly changing, our focus remains constant: helping people. Together, we want to build a better community so we can help you be well, get well, and stay well.

This is why we want AblePay Health to part of our 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.

Virtua Health 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. 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 Virtua Health provider, show your AblePay card when you present or verify your primary health insurance. Virtua Health will process your AblePay card like secondary insurance. After your service is complete and your insurance company processes your claim, Virtua Health 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 Virtua Health 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