AblePay Health is saving Penn State Employees Time and Money

Our mission is to serve those who serve our students and communities.

AblePay was founded in Pennsylvania and works with many medical providers across the commonwealth, including Penn State Health. Their unique business model of assisting medical providers and healthcare consumers has led to expansion across the country.

Over 2,450 of our employees and their family members are already enrolled.  One of our employees has saved over $2500 on medical bills through this program. If you are already a member, there is no need to re-enroll.

Since its inception, AblePay members have saved millions on medical bills. With this in mind, we are happy to introduce their program to assist our faculty, staff, and their families with their out-of-pocket medical expenses. For a complete list of providers currently accepting AblePay, please visit: AblePay Providers 

Enroll Now

How AblePay benefits our employees

AblePay is a NO-COST program that allows our Penn State University employees to save up to 13% on your out-of-pocket medical expenses (deductibles, coinsurance, and copays) while assisting if you ever have questions regarding your bill. You do not need to be part of our health plan to take advantage of this program.

AblePay is assists medical providers in reducing their expenses related to patient payments. Having AblePay process these patient claims means lower costs and quicker reimbursement for the health system.

AblePay works with any health insurance, including Medicare, so almost everyone is eligible to participate. You can also include anyone on your account you are willing to be financially responsible for, even if they have a different insurance plan!

Do not hesitate to enroll today and let AblePay Health work for you!

Start Saving Enroll Today!

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.

View a short demo to see how it works!