Meet the...

Healthcare Spending Card

Helping people become confident and optimistic about managing their healthcare.

Get the care you need, when you need it

The Card designed specifically for 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 finances…



Financing Options2



Repayment Options

Vector (2)


Annual Fee2

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  • Immediate access to healthcare funds*
  • 0% financing2 options
  • No credit checks
  • No annual fee2
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This no cost or no credit risk program can:

  • increase your employees’ access to healthcare and give them smarter ways to pay for it
  • strengthen your benefits package
  • increase employee satisfaction and engagement
Proud to serve these great companies and many more!

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Universal Instruments

* Subject to credit line approval.

1 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.

2 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