FEDVIP Members: Meet the Healthcare Spending Card¹

Get the dental and other healthcare you need, when you need it - and pay for it a smarter way

  • Save money with 0% financing2 on:
  • dental expenses for 12 months
  • hospital expenses for 12 months
  • healthcare expenses for 4 months
  • Access a credit line up to $10,000*
  • Pay over time: Multiple repayment plans
  • No annual fee²
APPLY NOW

See how the Healthcare Spending Card works

Get to know the Healthcare Spending Card

Improve your health and your finances. Use the Card anywhere Visa is accepted.
  • Access a new source of funds (up to $10,000) to get the care you need, when you need it
  • Pay over time, not upfront: Spread payments over 4 or 12 months to align with your cashflow
  • Pay wisely using 0% financing2 options
  • Repay with pre-tax funds by linking an HSA to the Card
  • No cost to request the Card
  • No annual fee2 - The Card can be there for you when you need it, and not cost you anything when you don't.

Just a few of the ways the Healthcare Spending Card can help pay for care

Family reading information on their high deductible health planGroup of individuals reads information on brace finances A man learned about his HSA and how to pay with pre-tax fundsImage of family using the card for their hospital expenses

Get your Card in 3 easy steps!

Step 1 - Verify your Information

To get started we'll ask for some preliminary information from your name to your mailing address.

Step 2 - Create your Account

Create your username and password, link your health savings account and access your healthcare information in new and powerful ways.

Step 3 - Request your Card

Upon application and approval of your Card, you'll get instant access to a virtual card so you can pay for healthcare expenses in the moment. And you can request the physical version of your Healthcare Spending Card which arrives typically within 7-10 days.

Man checking his Lane Health account balance
Image showing a user creating their login credentials
Application image to request your card
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 options2. 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.

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 a health savings account (HSA), 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?

You pay no annual fees2.
We ‍don’t charge interest2.
You can take advantage of 0% financing2 options for the following qualified expenses:
- Dental for 12 months
- Hospital for 12 months
- Other healthcare for 4 installments

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?

If you've been approved, you will have immediate access to a virtual card via the Lane Health portal (bewell.lanehealth.com) or through the Lane Health App. If you'd like a physical card, you can request one during the signup process or call us at the number below to do so. Once you've requested and received a physical card, you can activate it by going to card.lanehealth.com/activate or by clicking the activate button in the Lane Health portal and entering the last 4 digits of your card number and CCV. You can also call the Lane Health team at 1-762-337-6453 (1-762-DDSMILE) to activate the Card.

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 Health Savings Account (HSA), 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.

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. Cardmembers 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 or Delta Dental plan?

Yes. You can continue using your Card even if you leave your employer or your Delta Dental plan. 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).

Apply in minutes

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* 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 dental or 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-dd-fees
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