For Brokers and Consultants
Help clients make healthcare affordable—without redesigning the plan
TempoPay gives employees immediate access to funds for out-of-pocket healthcare expenses, with no interest, fees, or credit checks. Configure the program around each client's population and benefits strategy, then launch in as little as two weeks.
Fix the last mile of the health plan
Your clients invest heavily in coverage, networks, navigation, and wellness. But those benefits cannot deliver their full value when employees cannot afford care at the moment they need it.
About 37% of insured adults report skipping or postponing needed care because of cost. TempoPay adds financial support at the point of service, helping turn health coverage into care employees can actually use.
How does TempoPay help my clients and their employees?
Make existing benefits more usable
Help employees move forward with appointments, prescriptions, dental care, vision services, and other eligible healthcare expenses.
Support physical and financial well-being
Give employees a manageable alternative to draining savings, carrying high-interest credit card debt, or delaying care until it's urgent.
Bring clients a practical answer to affordability
Address healthcare affordability without replacing the carrier, changing the network, or waiting for the next plan year.
Meet TempoPay
A simple, effective solution
It’s time for a better way to manage out-of-pocket healthcare costs. TempoPay offers employees immediate access to funds and flexible, interest-free repayment options.
Works with any health plan.
Add TempoPay to a High-Deductible Health Plan, PPO, HMO, copay plan, dynamic copay model, or other employer-sponsored benefit strategy.
Configurable for each client.
Set the available spending limit, eligible expense categories, employee population, and repayment structure around the client's goals.
Extends beyond medical plan.
Clients can extend TempoPay to eligible employees who are not enrolled in the company's medical plan.
Ready throughout the year.
TempoPay can be introduced outside of open enrollment, making it a practical answer to an immediate client challenge.
No employer balance risk.
TempoPay providers the funds and manages repayments. The employer is not responsible for collecting or covering unpaid employee balances.
Broad healthcare coverage.
Programs can support medical, pharmacy, dental, vision, mental health, physical therapy, chiropractic, and pet care when appropriate.
Address healthcare costs
Employees at all income levels struggle with healthcare costs. Stand out by recommending a cost-effective benefit that helps people immediately.
Turnkey technology
TempoPay layers into your benefits offerings seamlessly, requiring no extra administration or maintenance. Employees benefit from simple payment options and a user-friendly mobile app.
Competitive edge
Offer a solution that addresses a major concern—how to pay for healthcare—giving your clients a powerful tool to enhance their benefits package.
Common Questions
Everything you need to know about TempoPay
What is TempoPay?
TempoPay is an alternative healthcare payment account that helps employees manage their healthcare spending. They use TempoPay to pay for care and repay over time without interest charges or fees.
Is this a pre-tax program?
TempoPay is an after-tax program that complements pre-tax accounts by protecting investment balances and offsetting funding timelines so employees access care when they need it, not when they can afford it.
Do you charge employees interest or fees?
TempoPay is available at no cost to employees. We do not charge interest or fees on employee balances.
Do employees need to be on the health plan to benefit?
Your company can extend TempoPay to most of your population, whether they are on the health plan or not. Employees need to at least 18 years old to open an account.
How long does it take to launch?
Your client sets the pace, and in most cases, we can have an organization ready to launch in just a few weeks.
How much administration does this require?
TempoPay does all the heavy lifting– we provide employee engagement, education, and ongoing support. Employers simply need to connect with TempoPay and we’ll take care of the rest
Still have questions?
Can’t find the answer you’re looking for? Visit our Help Center to learn more.
Who is TempoPay for?
TempoPay is a straightforward benefit with no hoops to jump through, allowing everyone to access and pay for care on their own terms.