Welcome To The Club

We're the affordability advantage to rising healthcare costs for everyone including their pets

We, along with our partners, are creating a new health care delivery model that actually lowers costs and improves access to quality care.

How We Do This

Memberships

Access to our local direct pay ecosystem and health care marketplace that includes valuable products and services at incredibly discounted wholesale rates.

We also provide every member with a sponsored, $2,000, interest-free line of credit that can be used to pay out-of-pocket medical, dental, vision, pharmacy, mental health, and veterinary care expenses over time. This innovative Health Payment Account (HPA) from Paytient, enables the payment for care when needed.
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Direct Pay Ecosystems

Your membership enables you and your family to participate in our local, direct pay health care delivery ecosystems primarily for the benefit of:

  • Small Business Owners and their employees.
  • Small Non Profits and their employees.
  • Self Employed Individuals
  • Individuals not covered by employer sponsored health care benefits.

We are social mission-driven

Explore the big "WHY" behind every single decision we make.

Why Direct Pay?

The vast majority of providers including doctors, urgent care clinics, imaging facilities, surgery centers, hospitals and their emergency rooms accept highly discounted direct pay rates.  The primary reasons for this are:

  • they do not have to deal with large insurance companies and the cumbersome and expensive claims submission process
  • they get paid immediately avoiding the typical long delays in payment for their services

Direct pay often results in savings in excess of 50%
which our members of Healthcare Buyers Club benefit from.

Our solutions confront high healthcare costs head on

We specialize in creating affordable and custom healthcare benefit plans and solutions for individuals, employers, agents/brokers, and third party administrators (TPAs). We also provide our clients and members valuable solutions to cover gaps and/or enhance current plan designs.

Smiling Business Owner

Individuals & Employers

We create customized, meaningful healthcare coverage plans for individuals and employers based on what they can afford and their financial circumstances.
Agent talking with Client

Agents & Brokers

Our unique healthcare coverage plan designs help Agents and Brokers acquire new clients and retain current ones.
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Third Party Administrator

Third Party Administrators

Our cost containment and payment solutions enable TPAs to create and efficiently administer unique self insured benefit plans.

What our customers are saying

We are a new TPA and became a strategic partner with Healthcare Buyers Club because of their social mission in addition to bringing us some incredible point solutions that helped us create Direct Pay Self Insured plans that gives our brokers and their agents and benefit consultants a meaningful competitive edge.

John Carter Avatar Circle - Doctr X Webflow Template
Mandy S. - CEO Third Party Administrator

“This is so helpful to not have to pay everything upfront! It makes it easy to think about going to the doctor when you don’t feel good instead of just pushing it off because you know you’re going to have to pay a big fee upfront.”

John Carter Avatar Circle - Doctr X Webflow Template
Bob Salisbury - Paytient Card Member

I really didn’t think I could afford healthcare benefits for my full time employees let alone my part time employees.. Boy, was I surprised

John Carter Avatar Circle - Doctr X Webflow Template
Karen A. - Restaurant Franchise Owner

The member benefit everyone is talking about

Introducing the Paytient Card -  a new way to pay for healthcare for your whole family, over time, without interest or fees.

No Interest, No Fees

Most credit cards with an introductory 0% APR stick you with a high interest rate or fees later. That’s not us. Paytient has no interest or fees, ever.

Flexible Repayment Options

Split each transaction into a personalized repayment plan that works for your budget. Flexible repayment terms so you can set it and forget it.

No Credit Check

There’s no credit check when you activate your Paytient card.2 No soft or hard pulls. Zero. Nada.

Eligible Expenses

The card can be used to pay out-of-pocket medical, dental, vision, pharmacy, behavioral health, and veterinary care expenses.3 Yes your pets are included.

Disclaimers:

1. The Paytient card is a line of credit that is subject to approval. All charges made to the Paytient card must
be repaid according to the terms outlined in the cardholder agreement.

2. Paytient is required to confirm that you are able to afford your Paytient monthly minimum payments, and
they do this by comparing your income to your expenses during your application. This is not a credit check
and will not affect your credit.

3. The Paytient card works with providers in approved merchant categories. The provider self-selects their
merchant category, and in some cases, might not be categorized as expected. Please note: the Paytient card
cannot be used to pay health insurance premiums.

The results speak for themselves*

“It's my favourite part of our benefits.”

Healthcare Buyers Club Member

“Using the paytient card and setting up repayment options could not be easier!”

Healthcare Buyers Club Member
5 Star Trustpilot Review for Paytient

54%

Members would have skipped some or more care without their Paytient card.

80%

Members who pay with their Paytient card become repeat users.

90+

Paytient’s recent Net Promoter Score (NPS).

64%

Members said Paytient makes them more likely to keep their job with their employer.

92%

Members said Paytient makes them feel more satisfied with their health benefits.

*Based on a January 2024 survey with over 3,300 respondents who use Paytient as part of their employer-sponsored benefits. Methodology and results can be found here.

Affordability starts here

Our health advantage marketplace is rich with healthcare plan designed to save you up to 60%.

Explore Marketplace
Our Marketplace is on the way. Details coming soon!
Milo Character

Our Company

Meet Milo, The Champion of our Social Mission. He represents the collective strength of our team and strategic partners that are bringing a new approach to Healthcare and Health Insurance. Everyone needs access to routine and preventive healthcare at a price they can afford, especially lower wage earners and those living paycheck to paycheck. They also need access to affordable Major Medical Event coverage that recognizes the value of our Direct Pay Model.

Use Cases

Healthcare Buyers Club Member – Saving money on prescriptions

Healthcare Buyers Club Member – Saving money on prescriptions

This is the best option for all your generic meds. One 30 day supply of one medication at CVS was $46.90 and the same med was $4.96 for a 90 day supply from Scriptco...

Health Insurance Agent – New Business

Health Insurance Agent – New Business

Marketing Health Insurance is very competitive and distinguishing yourself is very difficult. Including a Healthcare Buyers Club Membership in my benefit programs has...

Ecosystem Strategic Partner – Direct Pay Capabilities

Ecosystem Strategic Partner – Direct Pay Capabilities

Our company Care Guide helps consumers find the lowest cost cash pay doctors, services and facilities including access to over 8000 Urgent Care Clinics around the country.

Contact Us

Get in touch today

We're excited to connect with you! 
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