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HMK Insurance is proud to offer its clients, AblePay- A unique, no cost, voluntary benefit that provides discounts and flexible payment terms on deductible and coinsurance.

Member Benefits


Discounts: AblePay members can immediately save money on deductibles and coinsurance.

Management Liability

Advocacy: AblePay claim experts are available to help with questions regarding payment prior to or after seeking medical care.


Flexibility: A variety of payment terms and methods that make the most sense for your specific needs.  AblePay makes it easy by accepting bank (ACH), credit/debit cards, HSA, HRA and FSA.


Convenience:  All medical bills are stored in the member portal, eliminating stacks of paper and providing easy access.  Member bills are paid directly through their secure portal with one click.