Paytient
All regular full-time employees are eligible to apply for an interest- and fee-free line of credit with Paytient to pay for out-of-pocket medical, prescription, dental, and vision costs. Veterinary expenses for your pets are also eligible!
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Paytient Health Payment Account (HPA)
Maritz offers all regular full-time employees a way to pay for out-of-pocket healthcare expenses over time.
Paytient is an interest- and fee-free line of credit for healthcare costs, which is called a Health Payment Account (HPA).
Enrollment in the Maritz medical plan is not required.
Paytient Card
Once you set up an account with Paytient, you will receive a virtual Paytient Visa card that can be presented at the provider’s office to pay for eligible out of pocket expenses. A physical card will also arrive at your home in 7-10 days.
You can use the Paytient card to pay for medical, dental, vision, and pharmacy expenses for you and your family members. You can also use the card to pay for veterinary expenses for your pets! Get the care you and your family need - free of any interest or worries.
Line of Credit and Repayment Terms
Employees who qualify can have up to a $1,500 revolving line of credit open at a time. For example, if you have one expense for $500 and another expense for $400, you can use your Paytient card to pay for both, since the total of both combined is less than the $1,500 maximum. Or if you use your Paytient card to pay for a $1,500 expense, and have repaid $300 of that balance through payroll deductions, you have $300 available and can use your Paytient card to pay for another expense up to that $300 available amount.
For each separate transaction, you will set up a personalized repayment plan with Paytient that works for your budget, which will be deducted from your paychecks on an after-tax basis. You set the number of months to repay each transaction, up to a maximum of 36 months - interest free!
You can use your card to pay for eligible healthcare expenses for any family member you wish, as long as you understand you will be responsible for repaying with deductions from YOUR paychecks.
No Credit Check
There is no credit check when you apply for a Paytient account.
When you apply for a Paytient account, you will be asked to enter your monthly/annual income and monthly/annual debt to determine if you your current expenses don’t exceed your current income and verify you have enough remaining income to repay Paytient through payroll deductions.
In the rare event that you are denied, contact Paytient member services at (866) 345-9591 for further assistance in getting your account approved.
Here’s How it Works
Create your account - Visit paytient.com/maritz and select Sign Up. Enter your Maritz email address to verify your eligibility, then answer the questions to complete setting up your account.
Swipe Card - Once approved, swipe, tap, or insert your Paytient card to pay for an out-of-pocket health expense (to see where you can use your card, log in or open the Paytient mobile app).
Click - Click the notification that appears on your smartphone. If you don’t have a smartphone, you can also log into the portal at paytient.com/maritz instead.
Select Your Repayment Plan - The notification will prompt you to select a repayment plan. Choose the interest-free personalized payment plan that works for your budget. If none is chosen within 24 hours, the system will default to the plan selected when you first created your account.
Pay - Payments will be automatically deducted on the schedule you select, so you can set it and forget it!
How does Paytient work with my HSA?
If you have funds available in your HSA, you will most likely prefer to use those funds to pay for eligible healthcare expenses instead of paying for them with your Paytient card. However, there may be instances where you would want to pay for an expense with your Paytient card instead of using your HSA funds, such as:
You prefer to keep your HSA funds as a savings or investment vehicle instead of using them towards your out-of-pocket healthcare costs.
You want to save your HSA funds for certain planned future expenses and use your Paytient card for other healthcare costs, especially for larger expenses.
You prefer to pay for an expense with your HSA, but don’t currently have enough HSA funds available to cover the full cost at the time your payment is due. In this instance, you can use your Paytient card to pay for the expense, and repay Paytient over time with deductions from your paycheck. Then as you accumulate additional funds in your HSA, you can request a distribution on the WEX portal to be issued to you to repay yourself.
You have expenses that are not eligible under the HSA, but are eligible with Paytient, such as teeth whitening, veterinary expenses, or payment of a family member’s expense who is not an eligible dependent under HSA rules.
Please note: you cannot use your HSA funds to make any payments directly to Paytient since they are not the actual health care provider. You can only use your HSA funds to reimburse yourself for funds your are repaying to Paytient for your out of pocket costs for HSA eligible healthcare expenses.