A whole new way to pay for healthcare

Introducing the first-of-its-kind Healthcare Spending Card¹

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Healthcare cost and complexity are leaving Americans in need...

  • 100 million people are in medical debt².
  • $45 billion is lost in productivity annually in the USA due to untreated oral disease³.

The Spending Card designed specifically for Healthcare 

The Healthcare Spending Card is an all-in-one financial tool that can help you get the healthcare you deserve and can help your money work even harder.

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With the Card, you can:

  • Gain access to a new source of funds through a line of credit of $500+ with no credit checks.
  • Stay in control of healthcare bills by splitting them into smaller repayments over 4 months (with no fees4) or over 12 months (with fees).
  • Pay for hospital bills over 12 months with no fees4.
  • Utilize available pre-tax HSA funds by linking your health savings account (HSA) to the Card and get tax savings through pre-tax repayment.


Using the Healthcare Spending Card is as simple as it is powerful:

  • Request and activate Card (with no credit checks), then link your HSA if available.
  • Swipe Card to pay for qualified healthcare expense.
  • Transaction paid from Card’s line of credit, up to your credit limit.
  • Repayment from linked HSA or through other available methods of choice, up to 12 months.

The Healthcare Spending  Card can be a win for partners:

  • Help strengthen your brand and become a changemaker by joining us in addressing key issues in healthcare.
  • Can position you as an innovator and help boost client satisfaction.
  • Can seamlessly align with broader employee benefit and financial well-being strategies.
  • Can increase access to healthcare and can give employees new ways to engage with their benefits.

Employers: gain a key benefit and differentiator:

  • The Card poses no cost or credit risk for employers.
  • Stand out from the competition: Better attract and retain talent by strengthening your benefits offering.
  • Help remove cost-related barriers to health-related issues that can lower employee engagement and generate absenteeism.

Kevin is a 42-year-old husband and father who earns $75k per year. Tooth sensitivity prompts a visit to his dentist. Kevin learns he needs a crown costing $500.

He considers putting it off for financial reasons, but his dentist warns Kevin that doing so could result in a future root canal.

The Healthcare Spending Card can help Kevin…

The Card can help create a happier, healthier future:

1Access needed care

Kevin learns the crown costs $500...

Using the Card, Kevin can split his bill into 12 convenient repayments of  $46.25 (monthly cost), which covers the cost of the crown ($500) and associated fees.

2Prevent a more expensive root canal in the future ($1.500+)

The future of healthcare spending is here  

Reach out to learn more about the Healthcare Spending Card ... we'd love to be in your corner.


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 Kaiser Health Care Debt Survey and West Health-Gallup 2021 Healthcare in America Report

³ Center for Disease Control: Health and Economic Benefits of Oral Health Interventions

4  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 origination or periodic finance 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.