Healthcare Financing Re-Imagined
With the Healthcare Spending Card3 you can:
AS SEEN ON
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.
Real People, Real Stories
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.
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!
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!
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!
Healthcare Expenses Covered This Year
$ 701,722
%20(1).jpg)
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.
Join Lane Health in 3 Simple Steps
1 Verify your Info
2 Create your account
3 Request your 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 (HSA) or flexible spending account (FSA) to utilize available pre-tax funds to repay healthcare bills paid with the Card, minimizing the need to carry multiple cards.
Not only does the Card provide a line of credit, it also has additional benefits including multiple repayment types including 0% financing2 options. If you have a health savings account (HSA) or flexible savings account (FSA), you can link these accounts to your Healthcare Spending Card and save up to 25%3 by repaying healthcare expenses using pre-tax dollars. And finally, the Card has no annual fee2 so it can be there for you when you need it and not cost you anything when you don't.
No. Lane Health performs a soft credit check on Healthcare Spending Card applications, but there is no negative impact to your credit score if you are not approved or choose not to open an account. Similar to most lending products, Lane Health will perform a hard credit check and report the opening of a Healthcare Spending Card account for those that are approved - which may affect your credit score.
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.
When you apply for the Card, you can link your eligible health savings account (HSA) during the signup process or later in the cardmember portal.
You pay no annual fees2. We don’t charge interest2. You can take advantage of 0% financing2 options for the following qualified expenses:
- Hospital for 12 months.
- Other healthcare for 4 months.
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).
After applying and being approved for the Healthcare Spending Card, you will have immediate access to a virtual card in the Lane Health Mobile App or cardmember portal.
If you want to request a physical card, you can do so during the application process. 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.
You only need to apply and activate the Card once. The card stays active as long as you make on-time minimum payments.
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.
Yes. When the Card pulls available funds from your linked health savings account, those actions will be visible as transactions by the health savings 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 linked account, will be visible on the Lane Health mobile app, portal (bewell.lanehealth.com) and periodic statements.
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.
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.
The Healthcare Spending Card will only approve up to your credit limit.
Yes, you can.
Yes. You can continue using your Card even if you leave your employer. Your Card will not be turned off.
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).
Proud to serve these great companies and many more!
