Smarter financing

for your patients through your practice

Join Now

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Designed smarter...

Great for Patients

  • Approved patients* can get access to funds right from your office
  • 12-month 0% financing2 on dental treatments  (exclusively for Delta Dental members)
  • No annual fee2

Great for Providers

  • No revenue sharing other than VISA merchant interchange fees (~2%)
  • No contract required
  • No hassle, easy to enroll and launch

Help your patients get the care they need, when they need it

Approval odds increase for those with...

525+
Credit Score
$30,000+
Verifiable Annual
Net Income
0
Recent bankruptcies or charged-off accounts, limited delinquent accounts

Credit Limits and Responsible Lending Approach

Lane Health strives to protect the borrower's health, dignity, and financial stability.
Credit limit amounts are based upon the following:
Icon of a hand holding money
Applicant's ability to repay
Image of Heart representing money's impact on health
Potential impact on applicant's overall financial health
Image of credit cards
Issuing a suitable amount of credit based on each applicant's profile
Two individuals discuss benefits

What's next?

After submitting a contact email address for your practice, along with name of your practice, tax ID, and zip code you'll get access to everything you need to share the Card with your patients - from flyers to an instructional video with FAQs for your front office staff.
FAQ
How do I start offering the Healthcare Spending Card to my patients?

Starting is simple and a few clicks away. Simply fill out the form above and you'll get access to the materials that you can share with your patients.

Is there any cost to my practice for using the Healthcare Spending Card?

There are no setup, monthly management or other fees to present the Card to your patients. As with any VISA card used by a patient to pay for treatment, Providers are subject to a merchant interchange fee (roughly 2% of the transaction cost) of which Lane Health receives a portion.

Other than that, Providers do not share any revenue with Lane Health when patients finance dental treatment using the Healthcare Spending Card.

How does the card benefit my patients?

The card makes healthcare more accessible by offering flexible financing options, allowing patients to manage their payments over time. This means they are more likely to seek care and return to your practice for future visits.

What happens if a patient defaults on payment?

Lane Health assumes all financial risk, so you never have to worry about missed payments or defaults. We handle the payment collection and ensure you receive your funds promptly.

What's the catch? How does Lane Health make money if not requiring a revenue share?

Lane Health makes money on VISA merchant interchange fees, as well as fees the patient pays on 12-month healthcare loans that aren't eligibile for 0% financing. Note that any 12-month dental or hospital loan is offered with 0% financing2 exclusively to Delta Dental members. You can see our patient fee schedule here:  https://www.lanehealth.com/hsc-lb-dd-fees.

Is it really 0% financing2 for our patients? Are there really no fees?

Delta Dental members enjoy 0% financing2 for 4 months on all qualified healthcare expenses, as well as for 12 months on dental and hospital expenses. Lane Health doesn't charge interest, negating the risk of compounding interest. Unlike other lenders, Lane Health does not subject it's cardmembers to "balloon payment" interest charges should they miss a single payment.

Lane Health charges cardmembers fees on 12-month loans (other than 12-month hospital loans, which are offered with 0% financing2). You can see our patient fee schedule here:  https://www.lanehealth.com/hsc-lb-dd-fees.

How hard is it to signup?

Patient signup can be done in a few short minutes, right from your office! Lane Health uses Plaid to verify your patient's identity as well as to verify the income and expense information they share.

How long does the 0% financing last?

For all qualified healthcare expenses, it lasts for 4 months. For dental and hospital expenses, it lasts for 12 months.

What does it cost for a provider to share the Healthcare Spending Card with patients?

Nothing. There are no setup fees, no recurring management fees nor any revenue sharing. Lane Health does collect interchange fees on credit card swipes.

Ready to launch?

GET STARTED
* 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 hospital or dental 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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