AblePay Health is saving BlueLink TPA Members Time and Money

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.

Enroll Now

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

As a BlueLink TPA 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 BlueLink TPA plan.

How To Use

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.

Keep Your AblePay Card

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 an insurance carrier, the provider should enter AblePay as your secondary payor for the purpose of processing your claim.

The provider will bill AblePay

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).

Email Notification

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.

Show your card

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.

AblePay Health saves you time and money!


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!


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


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.


We know that many people have questions and need help understanding their medical bills.

Our team will explain your bill or reach out to the Medical Providers billing department on your behalf if there is an issue to resolve.

Our team is here to support our members when they have a question or issue with a bill, expediting the process of getting you answers.

Still UNSURE about AblePay?

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.