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.

We designed the Healthcare Spending Card¹ to help make paying for healthcare simple and convenient

The Healthcare Spending Card¹ is an all-in-one financial tool that can help you get the healthcare you deserve and can help your money work even harder.


With the Card¹, you can:

  • Gain access to a new source of funds¹ through a line of credit of $500+ with no credit checks (upon approval and activation³).
  • Stay in control of healthcare bills by splitting them into smaller repayments over 12 months (with fees4) or 4 months (with no fees4).
  • Pay for hospital bills over 12 months with no fees4.
  • Utilize available pre-tax HSA funds by linking your health savings account5 (HSA) to the Card¹ and get tax savings through pre-tax repayment.


Using the Healthcare Spending Card¹ is as simple as it is powerful:

  • Request and activate Card¹ (with no credit checks), then link your HSA⁵ if available.
  • Swipe Card¹ to pay for qualified healthcare expense.
  • Transaction paid from Card’s line of credit¹, up to your credit limit.
  • Repayment from linked HSA or through other available methods of choice, up to 12 months¹.

The Healthcare Spending Card¹ 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 Card¹ 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 Card¹ can help Kevin…

The Card¹ can help create a happier, healthier future:

1Access needed care

Kevin learns the crown costs $500...

Using the card¹, Kevin can split his bill into 12 convenient repayments of  $46.25 (monthly cost), which covers the cost of the crown ($500) and associated fees⁶.

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 Card1 ... we'd love to be in your corner.


Lane Health also offers a full suite of suite of Consumer Spending Accounts

¹ The Healthcare Spending Card and the line of credit are issued by WebBank. Card must be activated before funds can be accessed.

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 Each Advance is repaid on a 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.

5 HSAs that are linked during application must be owned and in the name of the applicant and issued by the applicant's employer.

6 Origination fee = 5% of original balance; Periodic Finance Fee charged every 75 days for each Advance based on average balance

The Healthcare Spending Card is issued by WebBank pursuant to a license from Visa USA Inc.