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about ablepay health

AblePay Health was founded with one basic mission, to offer a simple solution to the very large problem of the increasing cost of healthcare in the United States. 

It’s no secret that rising insurance costs have led to plans with higher deductibles, meaning that most Americans are now faced with greater out of pocket expenses for medical services and treatment.

Having spent many years in the healthcare arena, our leadership team witnessed first-hand the struggles that both medical providers and patients faced with no solution to bridge that gap. This was the genesis of AblePay Health.

AblePay Health was founded in 2016 in Bethlehem, Pennsylvania by the President and Chief Executive Officer, John Fistner. 

We establish agreements with large healthcare providers in order to offer AblePay as a no-cost benefit that offers savings and flexible payment terms for members of the surrounding community.

Whether you receive health insurance benefits through your employer or go on the exchange to obtain coverage, AblePay could help you save hundreds, even thousands of dollars on your medical bills.

Our business model works to the benefit of both the provider and consumer and is the proverbial “win/win” for all involved.

An AblePay Health membership is available to anyone. We work with employers, insurance brokers, and benefit administrators to offer membership to large groups and entire work teams, as well as, individuals who wish to save money but don’t have access through one of these avenues.

Find out how we can start saving you money on higher deductibles and co-insurance today!


our team

John Fistner

John Fistner is the founder and CEO of AblePay Health. From his experience as CFO and COO of a hospital network, John saw firsthand the inefficiencies in healthcare and set out to create companies to solve them. AblePay is his third successful start-up with both previous ventures still in operation.

AblePay was founded in 2016 to address the impact that increasing deductibles and coinsurance is have on consumers, employers and providers.

John attended Lafayette College (’00) where he was a Captain, First Team All Patriot League and All East Coast Athletic Conference Linebacker. He received an MBA in Finance from Lehigh University (’04) while building the hospital network.

Born and raised in Bethlehem, Pa., he currently resides in the area with his wife Trisha, and three sons. John coached football at Freedom High School before devoting his time to help coach his children who play baseball, basketball, and football at varying levels.

John and Trisha’s community minded interests include support of Lafayette College and Red Door Early Learning Center (pre-school) for which they personally funded and serve on the board.


Valerie Banotai

Valerie Banotai is a standards-focused leader with over 25 years of expertise in healthcare billing and information management including experience in implementing innovative revenue cycle work processes, EDI integration, managing client relations, solving complex problems and attaining business objectives. 

Valerie started her career as a billing clerk in the business office of a community hospital and was quickly promoted to manager of the physician billing department. During her tenure, she lead the department’s business growth by developing a billing service for independent physicians, created standards of operations in all areas of billing, collection and AR management and implemented new revenue cycle applications.

In 2009, Valerie assumed the position of central business office director of a hospital network with oversight of both hospital and physician reimbursement. Drawing on her prior experiences, Valerie initially focused on developing standards of operations across the revenue cycle and integrating various billing types. Her role was expanded to include direct oversight for implementing several new revenue cycle applications, readying the applications for ICD10, version upgrades, user support and education. 

Valarie joined the AblePay Health team in 2016 and is instrumental in ensuring that all aspects of the members experience are met and fulfilled.

She is a lifelong resident of Allentown where she currently resides with her husband Tom.


Ryan Werling

Prior to assuming his current role at Able Pay Health, Ryan was the President and Chief Executive Officer of Mack Defense (wholly-owned subsidiary of Mack Trucks, Inc.) and he also served as a member of the Mack Defense Board of Directors from 2014-2017.  

During his time as President, Ryan had responsibility for sales of Mack Trucks, Volvo Trucks, Volvo Construction Equipment, and Renault Trucks Defense portfolios to the United States Federal Government and ministerial level governments throughout the world.  

His leadership of sales, marketing, and business development activities resulted in increased sales and over $650 million in revenue for the company.

In June of 2015, Mack Defense secured the largest defense contract since World War II for Mack Trucks, Inc. 

Ryan is a US Army veteran having served on US Army active duty from 1996-2008.  Ryan is a veteran of the Iraq war with deployments in 2003 and 2011 and is now a retired Lieutenant Colonel in the United States Army Reserve.  His last assignment on active duty was as the Director of the White House Transportation Agency (Washington, D.C.) under the President George W. Bush administration. In this capacity, his organization was responsible for the ground transportation of the White House Staff and for support of Presidential trips and motorcades throughout the world. 

His awards and decorations include the Bronze Star Medal and the Combat Action Badge.  He has a Master’s degree in Public Administration from the John Jay College of Criminal Justice and a Bachelor of Science degree from the United States Military Academy at West Point. 

Ryan currently lives in Center Valley, PA with his wife Shauna and children.


Rick Schoenen

Rick Schoenen has varied career experience in management, sales and marketing across multiple industries, including healthcare.

While his education, undergraduate and MBA is marketing focused he has spent most of his career on “the other side of the desk”, having run businesses, managing staff, planning budgets, and working with financials. All while handling the marketing and advertising, plus running daily operations and all that comes with it.

He began his career in the energy industry, managing operations in New York, New Jersey, and Pennsylvania, eventually creating the "Market" business model that was adopted corporate wide for 144 locations across six states.

Deciding to take his career in a totally different direction, he entered the realm of healthcare, as Director of Marketing for a large, regional, musculoskeletal practice. Eventually re-branding the entire practice and surgical centers, establishing the brand as one of the most recognizable health care providers in the Lehigh Valley and Pocono region, while overseeing the employee health segment of the practice in addition to his marketing duties.  

In 2010 he created Schoenen Marketing, deciding to run his own business and use what he learned to assist other business leaders with their marketing, media, and advertising plans and strategies. Working with owners, operators, and managers in a variety of industries, including but not limited to: healthcare, entertainment, higher education, financial, banking, and service based industries.

Born and raised in Bethlehem, Pa. Rick and his wife Michele reside in in the Lehigh Valley and have two grown daughters, Jessica and Nicole.