What Per Your Health's payment system does
Per Your Health is a platform that lets you pay medical bills and healthcare costs directly through their website or app. You log in, see what you owe, and send money to your provider without writing checks or calling a billing department. The system connects to your bank account or card and processes the payment on your timeline.
The platform handles payments for various types of healthcare expenses — copays, deductibles, outstanding balances, and bills from providers who use their system. It's designed to be faster than mailing a check and gives you a record of every payment you make.
Key Takeaways
- Per Your Health lets you pay healthcare bills online by linking your bank account or debit card through their secure portal.
- You can see your full balance, choose how much to pay, and schedule payments for a future date if you need to spread costs out.
- Payments typically process within one to three business days, though timing depends on your bank and the provider receiving the money.
- You receive a confirmation number and receipt for every payment, which you should keep for your records and tax purposes.
- Not all healthcare providers use Per Your Health, so check whether your doctor's office or hospital is connected to the system before you start.
How to set up your account and link payment methods
Start by visiting the Per Your Health website or downloading their mobile app. You'll create an account using your email address and a password you choose. The system will ask for your date of birth and the last four digits of your Social Security number to verify your identity — this is standard security practice for any financial platform.
Once your account is verified, you can link a payment method. Per Your Health accepts bank accounts (checking or savings) and debit cards. If you use a bank account, you'll provide your routing number and account number — the same information you'd give to set up direct deposit. If you use a debit card, you'll enter the card number, expiration date, and CVV. The platform encrypts this information, meaning it's scrambled so only authorized systems can read it.
After you link your payment method, the system may run a small test transaction (usually under $1) to confirm the account is real and active. Check your bank statement in a few days — you'll see this charge and a reference code. Some banks refund it automatically; others require you to confirm it. This step protects you from fraud and ensures your payment method actually works before you send a real payment.
Finding and paying your bills
Once you're logged in, the dashboard shows all bills connected to your account. These appear only if your healthcare provider has sent them through Per Your Health's system. If you don't see a bill you know you owe, it may mean your provider hasn't uploaded it yet or uses a different payment platform.
Click on any bill to see the details: the provider's name, the date of service, what the charge is for, and the amount due. You can pay the full balance or a partial amount — if you owe $500 but can only pay $200 now, you can send $200 and the remaining $300 stays on your account. The system will show you the new balance after your payment posts.
Before you confirm payment, review the amount one more time. Once you submit, the transaction is sent to your bank and the provider. You can't cancel it the same way you'd cancel a check, though you can contact Per Your Health's support team if you made a genuine mistake within a very short window (usually minutes, not hours).
Payment timing and when money reaches your provider
Per Your Health processes payments immediately when you submit them, but "processing" and "arriving at your provider" are two different things. The money leaves your bank account within one business day, but it may take an additional one to two business days for your provider to receive and record it. This delay depends on your bank's speed and the provider's banking setup.
If you're paying a bill that's about to trigger a late fee or collection action, don't wait until the last day. Send your payment at least three to five business days before the deadline to give the system time to move the money through the banking system. If you're cutting it close, call your provider's billing department directly and tell them you've submitted a payment through Per Your Health — they may hold off on penalties while they wait for the funds to arrive.
Weekend and holiday payments are processed on the next business day. If you submit a payment on Friday evening, it won't leave your account until Monday. Plan accordingly if you're trying to meet a specific deadline.
Receipts, records, and what to keep
Every payment generates a confirmation number. The system displays it on screen immediately after you submit, and Per Your Health also emails you a receipt. Save both. The confirmation number is your proof that you sent the money; the receipt shows the amount, date, and which bill it paid.
Keep these records for at least three years. If a provider claims they never received your payment, you can show them the confirmation number and receipt. If you need the payment for tax purposes (some medical expenses are tax-deductible), you'll need documentation of what you paid and when.
You can also log back into your Per Your Health account anytime to see your payment history. The system stores a record of every transaction, so you don't have to rely solely on email receipts. Download or print your payment history once a year for your own records.
Troubleshooting common payment problems
If your payment is rejected, Per Your Health will tell you why. Common reasons include insufficient funds in your account, an expired debit card, or a mismatch between the address on your bank account and the address in your Per Your Health profile. Fix the problem and try again — rejected payments don't charge you a fee, though your bank may charge a small fee for the failed attempt.
If you submitted a payment but don't see it reflected in your provider's records after five business days, contact Per Your Health's support team with your confirmation number. They can trace where the payment is in the system. At the same time, call your provider's billing department and give them the confirmation number — they can check their incoming payments and confirm whether it arrived.
If you notice a payment was taken from your account that you didn't authorize, report it to Per Your Health immediately. They have fraud protection procedures and can investigate. You should also contact your bank and report the unauthorized charge; your bank can reverse it while the investigation happens.
When Per Your Health isn't an option for your provider
Not every healthcare provider uses Per Your Health. Your doctor's office, hospital, or specialist may use a different payment platform, accept payments by phone, or require checks mailed to a billing address. Before you assume you can pay through Per Your Health, log in and look for the bill. If it's not there, call your provider's billing department and ask what payment methods they accept.
Some providers use Per Your Health only for certain types of bills (like copays) but require phone or mail payment for other charges (like balance bills). Ask specifically what bills are available through the platform so you know what to expect.
Frequently Asked Questions
Does Per Your Health charge a fee to make a payment?
Per Your Health does not charge you a fee for using their platform. However, your bank may charge a fee if you use a debit card or if the transaction is classified as a cash advance. Check your bank's fee schedule or call them directly to understand what they charge for online bill payments.
Can I schedule a payment for a future date?
Yes. When you submit a payment, you can choose to send it immediately or schedule it for a specific date up to several weeks in advance. This is useful if you want to time the payment with your paycheck or spread out multiple bills across different dates. The money won't leave your account until the date you choose.
What happens if I pay the wrong bill by mistake?
Contact Per Your Health's support team immediately with your confirmation number. If the payment hasn't posted to your provider yet, they may be able to redirect it or cancel it. If it's already posted, you'll need to contact your provider's billing department to request a credit or refund. This process takes longer, so it's worth double-checking the bill details before you submit.
Is Per Your Health secure, and is my bank information safe?
Per Your Health uses encryption and security standards required by federal banking regulations. Your bank information is not stored in plain text and is protected the same way your bank protects it. That said, no online system is 100 percent risk-free. Use a strong, unique password for your account and don't share your login details with anyone.
Can I use Per Your Health to pay bills for someone else?
You can only pay bills that are connected to your own account. If you want to pay someone else's medical bill, you'll need to contact that person's provider directly and ask about payment options. Some providers allow a family member or caregiver to pay on behalf of a patient, but they handle this outside of Per Your Health.