Empowering You with the Healthcare Spending Card1
Accessing quality healthcare should be easy, and with the Healthcare Spending Card, it is. Whether you’re managing an ongoing condition or seeking treatment for an unexpected medical need, our card gives you the flexibility to pay for healthcare expenses on your terms.
With zero-percent financing options2, no hidden fees and no annual fee2, the Healthcare Spending Card helps you get the care you need when you need it most.
Why Choose Lane Health’s Healthcare Spending Card?
The Healthcare Spending Card is designed with your financial well-being in mind. Offering you an easy and flexible way to pay for medical services, it ensures you never have to put your health on hold due to financial barriers.
Built for you
No Hidden Fees
- With Lane Health’s Healthcare Spending Card, you won’t be impacted by hidden fees or compounding interest seen with typical credit cards. This means no surprises, just affordable monthly payments that work for your budget. Focus on your health, not the finances.
Easy and Quick Approval
- Our simple, quick approval process means you can get started right away. Apply for the card online, and in most cases, you’ll get approved instantly*. It’s never been easier to access the care you need.
Flexible Payment Options, including Zero-Percent Financing2
- You choose how to manage your payments. The Healthcare Spending Card gives you flexible options that let you pay over time, so you’re not burdened by high upfront costs. This includes 0% financing options2 that let you repay over time without having to pay interest or fees. The Card’s 0% financing options2 allow you to break any hospital bill into 12 monthly payments or 4 monthly payments on all other healthcare expenses.
Access to a Wide Range of Healthcare Services
- The Healthcare Spending Card can be used for a wide variety of healthcare services, from routine checkups to more specialized treatments. Whether it’s a visit to your primary care doctor, a dentist appointment, or a more involved medical procedure, the card covers it all.
How it Works
The Healthcare Spending Card is simple to use and is designed to integrate seamlessly into your healthcare experience. Here’s how it works for you:
1
Apply for the Card
Fill out a quick online application. You’ll find out if you’re approved in just minutes.
2
Use Your Card
Once approved, simply use the Healthcare Spending Card to pay for any qualifying healthcare expenses at participating providers
3
Pay Over Time
Pay back your balance in flexible installments that work with your budget.
4
No Hidden Fees
Unlike other credit or payment options, there are no hidden fees or balloon interest surprises. What you see is what you get.
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
Why Choose Lane Health’s Healthcare Spending Card?
No Interest2 or Hidden Fees:
What you see is what you get—no surprises.
Quick and Easy Approval:
Apply and get approved within minutes, no paperwork hassle.
Wide Acceptance:
Use the card at a wide range of healthcare providers, from doctors to dentists and beyond, anywhere Visa is accepted for healthcare!
Flexible Payment Plans:
Choose a payment plan that works for you, with no pressure or interest2.
Frequently Asked Questions (FAQs)
How do I apply for the Healthcare Spending Card?
It’s easy! Simply fill out a short application. In most cases, you’ll be approved within minutes, and your card will be ready to use immediately.
Are there any hidden fees or interest charges?
No, there are no hidden fees or interest charges. You’ll only pay the amount you agreed upon in your payment plan. Everything is transparent, so you can budget with confidence - see our full fee details here.
What kind of healthcare expenses can I use the card for?
You can use the Healthcare Spending Card for a wide range of healthcare services, including doctor visits, dental care, specialist consultations, elective surgeries, and more. If you’re unsure about a specific service, feel free to ask!
How do I manage my payments?
After you’ve used the card for your healthcare expenses, you’ll be able to pay back the balance through flexible, monthly installments. You’ll receive reminders and easy access to your payment plan through our online portal.
Will I need a good credit score to be approved?
Lane Health aims to make healthcare accessible to everyone. While approval criteria do vary, many people with average or below-average credit scores are approved. We believe in giving everyone a fair chance to access care.
How do I know if a provider accepts the Healthcare Spending Card?
The Healthcare Spending Card can be used anywhere that Visa is accepted. You can always ask your healthcare provider in advance if you have uncertainty.
Can I use the Healthcare Spending Card for family members?
Yes! The Healthcare Spending Card can be used for medical services for you and your family members, it’s a great way to manage healthcare expenses for everyone in your household.
More Questions?
Ready to take control of your healthcare expenses?
Apply for the Lane Health Healthcare Spending Card today and experience the flexibility and peace of mind you deserve. Your health is important, and we’re here to help you access the care you need without financial stress.
*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. Line of credit is issued by Lead Bank or LH Lending LLC NMLS #2552401, (nmlsconsumeraccess.org).
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 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-fees
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. Line of credit is issued by Lead Bank or LH Lending LLC NMLS #2552401, (nmlsconsumeraccess.org).
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 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-fees
