Increase case acceptance,
without revenue-sharing


Smarter financing for patients
‍
Smarter financially for your practice

Join Now

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Designed for Healthcare

Great for Patients

  • Patients can access a line of credit from your office*
  • 0% financing 2 for 4 months on healthcare bills
  • 0% financing 2 for 12 months on hospital bills
  • No annual fee2
  • No credit check

Great for Providers

  • No revenue sharing
  • No cost to provide
  • No contract required
  • No hassle
  • Easy to launch

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

Two individuals discuss benefits

What's next?

After submitting a contact email address for your practice, along with name of your practice and tax ID, 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. Simply get started by s the form above and you’ll get .

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

No. Lane Health charges providers no fees to use the Healthcare Spending Card. There are no hidden costs or revenue-sharing agreements.

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 credit card interchange fees, as well as patient 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.

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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