Executive Team

John Fistner

Founder & CEO

From his experience as CFO and COO of a hospital network, John witnessed the changes in patient payment behavior and set out to create a solution to combat the impact of rising healthcare costs. AblePay was founded in 2016 to address increasing out-of-pocket medical expenses in the United States and their implications for healthcare consumers and providers. AblePay is his second successful start-up in the healthcare space.

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Valerie Banotai

SVP, Operations

Valerie 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. She leads the operations team working with both medical providers and AblePay members.

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Ryan Werling

SVP, Sales and Marketing

Before assuming his role at AblePay Health, Ryan was the President and Chief Executive Officer of Mack Defense (a wholly-owned subsidiary of 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.

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Rick Schoenen

SVP, Marketing & Communications

With over 35 years of business experience, Rick has held various management and marketing roles, including operating his own marketing agency. With nearly 20 years of that experience in the healthcare space focused on patient engagement, he is responsible for provider outreach and the campaigns providers utilize to engage and educate patients on AblePay.

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Eric Capuano

SVP, New Market Development

Eric has over 20 years of sales experience, with most of his career spent in healthcare. As an account executive with CR Bard Inc., he worked with hospital executives and surgical teams at leading hospital networks across Pennsylvania and Florida. He now works with health systems across the country, explaining the positive results AblePay provides for the revenue cycle and patient experience.

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Debbie Jean Garrett
Debbie Jean Garrett, MBA

SVP Provider Success

Debbie is a dynamic healthcare professional with over 18 years of experience in technology and revenue cycle segments. Having held leadership positions at esteemed healthcare organizations, Debbie excels in client service, prioritizing exceptional member experiences, nurturing strong client relationships, and implementing solutions that drive success for providers and members alike. As a forward-thinking leader, Debbie is dedicated to supporting members and providers in maximizing the benefits of AblePay.

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Jason Fistner

Chief Developer

Jason has built a career supporting various companies in solving their technical issues. He is responsible for the design and creation of all the member-facing platforms for AblePay. His refusal to accept anything less than perfection drives the development efforts, as he and his team continue to improve the experience for our members and participating providers.

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