Meet Lane Health

Healthcare Financing Re-Imagined

Join Now

Applying for the Card will NOT affect your credit score
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

0%

Financing Options1

No

Annual Fee1

Up To

$10,000 Immediate Healthcare Financing2

How does Lane Health work?

Designed for Your Healthcare

Trusted by a wide range of employers and partners, Lane Health is helping thousands of hard-working people like yourself build healthier futures and finance.

Lane Health across multiple devices

Real People, Real Stories

Quotation Marks

A real game changer

Lane Health and their Health Spending Card have been a life saver for my family, enabling a relative to get the care he needed without delay and avoiding his condition to worsen. The fact that he could do it without getting into huge debt with high interest rates was a real game changer.

Quotation Marks

Stress-Free Healthcare Payments

I’ve been using the HSC card from Lane Health for a few months, and it’s been great! Easy to signup, easy to use, and the clear terms make managing healthcare expenses stress-free. The pay-in-12 feature is a lifesaver and it pulls funds automatically from my HSA, which adds to the convenience. Customer service is quick and helpful whenever I had questions. Overall, the HSC card has made handling medical bills much easier. Highly recommend!

Quotation Marks

Game Changer in healthcare

I wasn't sure I needed another card, but the ability to manage and pay my healthcare bills in one place is a game changer. I can literally swipe and forget because I set up auto pay when I signed up. Now I pay my bills with the card and Lane Health pulls my monthly payments from my HSA account on my due date - it allows me to pay with pre-tax dollars even before I've saved them. Love this product!

Quotation Marks

A financial game changer for me!

I love the zero percent financing because it lets me budget for it and repay it over several months without crazy interest rates I'd have to pay if I used other credit cards. Not doing that anymore!

Lane Health Healthcare Spending Card
Rotating image of individuals using lane health healthcare spending card

Healthcare Expenses Covered This Year

$ 701,722

Woman holding the Healthcare Spending Card

Care When You Need It

At Lane Health, we believe that healthcare should be accessible when you need it most. That's why we present on-demand2 solutions that empower you to take control of your health, without delays or unnecessary hurdles. Whether you're managing a chronic condition or facing unexpected medical expenses, this innovative tool can provide the financial flexibility and personalized support you deserve. With a seamless, user-friendly platform, Lane Health can help ensure that care is within reach—whenever and wherever life takes you. We're here to support your well-being, helping you stay healthy, confident, and ready for what's next.

Healthier Futures

A healthier tomorrow starts today. Our mission is to provide you with the financial flexibility and resources to make smarter healthcare decisions, empowering you to live a longer, healthier life. By presenting innovative solutions, like the Healthcare Spending Card3, we’re helping individuals and families navigate the often overwhelming costs of care, helping ensure that medical needs don’t stand in the way of your future well-being. Lane Health supports your journey with simple, effective tools designed to improve both your health and financial security, so you can confidently move forward toward a brighter, healthier future.

Image of two people holding hands on the beach

Join Lane Health in 3 Simple Steps

Lane Health Mobile App

1 Verify your Info

2 Create your account

3 Request your card

Two people celebrating on the beach
FAQ
What is the Healthcare Spending Card?

The Healthcare Spending Card is designed to be a better way to pay for your healthcare expenses and to provide an additional source of funds (upon application and approval) to help you pay for the healthcare you deserve. It can link to your existing health savings account (e.g., HSAs) to utilize available pre-tax funds to repay healthcare bills paid with the Card, minimizing the need to carry multiple cards.

Why should I consider requesting this Card?

Not only does the Card provide a line of credit, it also has additional benefits including multiple repayment types including 0% financing options. It also offers discounts on healthcare-related products and services, as well as additional value-added services, such as Bill Concierge service to help lower hospital bills through GoodBill4. And finally, the Card has no annual fee1 so it can be there for you when you need it and not cost you anything when you don't.

Will my credit score be impacted by applying for the Healthcare Spending Card?

No.

Do I need to have a health spending account to use the Healthcare Spending Card?

No. This Card works with or without a linked spending account. Upon approval, you are assigned ­­­­­­a credit limit that can be used to pay for qualified healthcare expenses. If you have linked your spending account, you can use the pre-tax funds available to pay back the Card at your discretion.

How do I link the Card to an existing spending account?

When you apply for the Card, you can link your eligible health savings account (HSA).

What are the associated fees for utilizing the Healthcare Spending Card?

First, you pay no annual fees1.
Second, we don’t charge interest1.
Third, you can take advantage of 0% financing1 options for the following qualified expenses:
-Hospital: 0% interest1, $0 fees1 when repaid over 12 months.
-Other healthcare: 0% interest1, $0 fees1 when repaid over 4 installments
Fourth, for all other types of healthcare bills we do charge origination and periodic finance fees that total between 8-13% of the original loan amount over 12 months (see chart for how this varies by loan amount). Specifically, we charge a 5% Origination fee plus periodic finance fees (charged four times over the 12 months and get smaller as you pay back your loan).

How do I request and activate the Healthcare Spending Card?

Once you’re received your card, you can activate it by going to card.lanehealth.com/activate or by clicking the activate button in the Lane Health portal and enteringthe last 4 digits of your card number and CCV. You can also call the Lane Health team at 1-217 HSC-CARE (472-2273) to activate the Card.

What happens at the end of a plan year – do I re-enroll or keep the Healthcare Spending Card?

You only need to apply and activate the Card once. The card stays active as long as you make on-time minimum payments.

Do the expenses allowed under the Healthcare Spending Card follow the same IRS rules for spending accounts?

Yes, only qualified healthcare expenses are approved. As is currently the case with HSAs, it’s always up to you to ensure that expenses are considered qualified healthcare expenses. And as is currently the case with FSAs, expenses must be substantiated. A comprehensive list of qualified expenses can be found on the IRS website: https://www.irs.gov/forms-pubs/about-publication-502.

Will I be able to track the amount of funds pulled from my health savings account by the Card?

Yes. When the Card pulls available funds from your linked, those actions will be visible as transactions by the health s account administrator. Lane Health will be listed as the merchant for these transactions,and you will be able to view these transactions like you would any other transaction from your account. In addition, all transactions, including payments through the linkedaccount, will be visible on the Lane Health mobile app, portal (Bewell.Lanehealth.com) and periodic statements.

Will loan repayments be calculated so the monies will be paid within the 12 months allotted?

Yes. Loan repayments will be done in 12 equal installments, monthly. Employees can also select to repay in full or over 4 installments with no fees1.

Do I have to link a bank account to utilize the Healthcare Spending Card?

You can link your health savings account or your bank account to make payments towards your outstanding Card balance. Additionally, you can call in to make a payment.

If the Healthcare Spending Card only pays for expenses up to my credit limit, what happens if the Healthcare Spending Card is swiped for an expense greater than the credit limit?

The Healthcare Spending Card will only approve up to your credit limit.

Can I apply  for and use the Healthcare Spending Card even if I’m not in a qualified High Deductible Health Plan (HDHP)?

Yes, you can.

Will I still be able to use my Healthcare Spending Card if I leave my employer?

Yes. You can continue using your Card even if you leave your employer. Your Card will not be turned off.

Can I alter my selected repayment option at any time?

Yes, you can. Every loan (defined as new charges during the statement period) will be defaulted to a 12-month repayment option (with fees) but you have the option to select Pay in Full or Pay In 4 installments (without fees1). You can select the repayment options at any time between the statement date (the date when the new charges are consolidated into a loan) and the day before the Due Date (which will be 14 days after the statement date).

More Questions?

Trusted Partners

Proud to serve these great companies and many more! 

Hanford Logo
Universal
Zynergia Logo
Delta dental logo
Indiana Packers
GCG
1 Lane Health does not charge interest on, or an annual fee for, the Healthcare Spending Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) nor fees ($0 fees). Each Advance can be repaid in full, 4-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified hospital expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over 4 installments with no origination or periodic finance fees. Late fees apply. You can review the fee table at https://lanehealth.com/hsc-lb-fees
2 Subject to credit line approval.
3  Lane Health is a financial technology company, not a bank. The Healthcare Spending Card is issued by Lead Bank pursuant to a license from Visa USA Inc. Line of credit is issued by Lead Bank or LH Lending LLC.
4 Lane Health refers you to Goodbill for hospital bill review and potential savings. After becoming a Goodbill customer, Lane Health is not liable for the outcomes or Goodbill's ability to reduce your hospital bill. Please consult Goodbill's terms and conditions for comprehensive information on their program including additional details on the fees they charge for their services.