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Help make high deductible
health plans less scary with

the Lane Health

Card with a Heart¹

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Lane Health Card with a Heart, featuring the HSA Advance Line of Credit

Lane Health
Card with a Heart,
featuring the HSA Advance Line of Credit

Finally, savings without the risk.

  1. For many, the advantages of high deductible health plans are overshadowed by the risk.
  2. Until now HSAs have not helped

 

The Lane Health Card with a Heart makes bill paying simpler, more budget friendly and cost-effective.​

The Lane Health Card with a Heart makes bill paying simpler, more budget friendly and cost-effective.​

  1. Inclusive

    We serve all HDHP members with no contributions required. On-demand access to a line of credit1 with no credit checks.

  2. No risk to employer​s

    The Advance2 line of credit ​is funded through Lane Health with no risk to the employer.

  3. Pre-Tax repayments​​

    Predictable payments through employee pre-tax payroll deductions.​

  4. Savings for all​​​

    Greater tax savings for employers and employees.​

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We make it Easy.​

Flexible
Flexible

With our highly flexible implementation approach, we easily integrate with existing processes and systems.

Interaction
Interaction

We welcome interaction with employees and their families. We follow a proactive, guided approach to engage employees at key teachable moments.

Automatic
Automatic

No one left behind! Employees who choose a qualified plan can automatically be enrolled in a Lane Health HSA.​

Single Card
Single Card

Lane Health is your one stop shop for all consumer benefit spending accounts — all accessed by our Card with a Heart.

HSA Employer Brochure

HSA Employer Brochure

See how your clients can take advantage of the tax-free savings opportunities by utilizing Lane Health’s HSA Solution.

Download Other resources

Client Presentations

Prepare for strategy discussions with clients by embedding our materials into your documents.
 

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Employer Materials

Collateral to help explain Lane Health’s Card with a Heart and our unique HSA Advance line of credit to Employers.

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Employee Materials

Collateral to help explain Lane Health’s Card with a Heart and our unique HSA Advance line of credit to Employees.

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Experience the Inclusive and Compassionate HSA

Experience the Inclusive and Compassionate HSA

Through our HSA with its Advance line of credit, we mitigate a significant barrier to care thereby positively impacting long-term medical cost trends.

Lane Health’a HSA provides a new source of financial protection and bill paying capacity for employees’ healthcare expenses. With most HSAs, employees can only pay medical bills with pre-tax dollars if they’ve contributed to, and saved money in, their HSA. With Lane Health’s Advance line of credit, they can pay those bills with pre-tax dollars any time, up to their Advance limit, and they have 12 months to repay Advances from the time they are initiated.

For more information on our innovative HSA Solutions and what we have to offer, contact us at (833)-302-LANE (5263)

or email us WeCare@lanehealth.com

One card for all Tax-advantaged Spending Accounts

One card for all Tax-advantaged Spending Accounts

Our Card with a Heart is a simple solution to pay for health care.

It is a debit card that allows you to access all your tax advantaged spending account options offered by your employer (HRA, FSA, LPFSA, Dependent Care, and Commuter health plans) including your HSA plan and Lane Health Advance line of credit with a simple swipe. With our Card with a Heart you can take advantage of all the programs that help people pay their bills on a more affordable pre-tax basis.

When an employee spends money using their Card with a Heart to pay a bill that exceeds the money they have saved in their account, money is automatically advanced to cover the difference up to their Advance limit. The Advance (plus our fee) is then repaid through pre-tax payroll deductions over the next 12 months – saving them 20-30% depending on their tax situation. It’s that simple!

All your questions answered!

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Advances are a new source of financial protection and bill paying capacity for your healthcare expenses. With most HSAs, you can only pay bills with money you have contributed and saved in your HSA. Often, particularly early in the year, you don’t have enough money saved to cover your bills. With Lane Health’s HSA Advance, you can pay those bills through your HSA.

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Based on several factors (primarily your length of employment and income), we determine the amount of the Advance that will be available to you at the beginning of the year (your “Advance Limit”). When you need to pay a qualified bill, simply swipe your HSA debit card. The cash you have in your account is used first to pay the bill. If you need more, we automatically advance the funds up to your Advance Limit. We then calculate the pre-tax HSA payroll deduction required to repay the Advance over the following 12 months and communicate the change to you and your payroll provider. It’s simple, convenient and doesn’t require you to do anything other than focus on getting the care you need.

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We will send you a Welcome Packet prior to the beginning of the year that includes the amount of your pre-set Advance Limit. You can also go on your Lane Health portal (BeWell.lanehealth.com) at any time to see the status of your Advances – amount available, amount outstanding, payroll deduction amount and remaining payroll periods to pay-off.

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Advances are available to you on the first day of your health plan year and remain available throughout the entire year. You can receive multiple Advances up to your limit. It’s there for you when you need it.

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No, we do not pull your credit report to set your initial Advance Limit.

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No! Just swipe your HSA debit card and if you need an Advance to pay the bill, we automatically issue the Advance up to your Advance Limit! It’s simple and easy!

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Contact Lane Health. We’ll work with you to evaluate increasing your Advance Limit. We’ll do our best to help you get the Advance Limit you need to take care of your healthcare expenses.

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You can opt-out of participating in the Advance program at any time by going to the member portal (BeWell.lanehealth.com) or calling us at (833) 302-LANE (5263) and no Advances will be issued for you. If you are issued an Advance and do not want it, contact us and we will reverse the Advance in your next paycheck.

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You are responsible for repayment of the Advance, including having the outstanding balance withheld from your final paycheck to settle your account. If an outstanding balance remains, we will work with you to arrange a repayment plan.

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If you have questions, you can email them to WeCare@lanehealth.com. You can also call our customer service center at 833-302-LANE (5263).

Contact us

1. The Card with a Heart® is issued by The Bancorp Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Card can be used everywhere Mastercard is accepted for healthcare expenses.

2. Advances are issued by WebBank, Member FDIC