Welcome
Delta Dental CO Partners
Congratulations! You can now start presenting the Healthcare Spending Card1
Step 1: Share Your Patient Flyer
With the Healthcare Spending Card, you can present a no-annual fee2 lending solution with zero percent financing2 options to your patients so they can more easily repay in ways that are aligned with their cashflow.
Even better: Your patients can apply for the Card in office and get immediate access to funds*. So download the patient application flyer and share with patients today
Step 2: Learn about our approval process
Approval odds increase for those with...
575+
Credit Score
$30,000+
Verifiable Annual
Net Income
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:
Credit limit amounts are based upon the following:
Applicant's ability to repay
Potential impact on applicant's overall financial health
Issuing a suitable amount of credit based on each applicant's profile
Want to learn more?
Everything you want to know – in one convenient booklet
This guide covers everything you need to know. It includes:
- Eligible expenses the Card Covers
- Frequently Asked Questions
- Step-by-step Application Overview
See How Lane Health Works
In this quick overview, we explain how the Card makes healthcare more affordable with flexible repayment choices, 0% financing options2 and no hidden fees.
Use Lane Health Anywhere Visa is Accepted
Dental
Dentists:
- General dentists, orthodontists
Dentists:
- Routine check-ups, cleanings, braces, root canals, dentures, orthodontic treatments, etc.
Vision
Eye Care Professionals:
- Optometrists, ophthalmologists, opticians
Optical Goods:
- Eyeglasses, contact lenses, eye safety shields, ophthalmic supplies
Vision Procedures:
- Eye exams, lens fittings
Medical
Doctor Visits:
- General practitioners, specialists (e.g., osteopathic physicians, chiropractors, podiatrists), wellness visits, checkups, etc.
Diagnostic Labs:
- Medical and dental laboratories
Hospital Services:
- General hospitals, psychiatric hospitals, speciality hospitals
Medical Equipment and Supplies
- Orthopedic goods, prosthetic devices, in-vitro diagnostics, home health care services, ambulance servies
Vaccines
- Routine immunizations, flu shots, travel vaccines, COVID-19 vaccinations, and other preventive care vaccines
Pharmacy
Medication:
- Prescription drugs, over-the-counter medications
Pharmaceutical Products:
- Medicinal chemicals, botanical drugs, druggist, sundries
Additional Services
Hearing Aids:
- Sales, service, and supplies
Immediate Care Facilities:
- Walk-in clinics, urgent care centers
Nursing Care:
- Nursing and personal care facilities, immediate care facilities
And many more!
FAQ
How do I start offering the Healthcare Spending Card to my patients?
Starting is simple. Simply download the patient application flyer from the link above and start sharing with your patients.
Is there any cost to my practice for using the Healthcare Spending Card?
No. Lane Health does not charge providers to present the Healthcare Spending Card to their patients. There are no hidden costs or revenue-sharing agreements charged by Lane Health.
How does the card benefit my patients?
The Healthcare Spending 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 by receiving a portion of the merchant interchange fees VISA charges, as well as fees the patient pays on 12-month healthcare loans that aren't eligible for 0% financing2 . Note that any 12-month dental loan is offered with 0% financing2 for 12 months 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?
Cardmembers enjoy 0% financing2 for 4 months on all qualified healthcare expenses, as well as for 12 months on 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-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 hospital expenses, it lasts for 12 months.
What does Lane Health charge a provider to share the Card with patients?
Nothing. There are no setup fees, no recurring management fees nor any provider fees charged by Lane Health. Lane Health does receive a portion of the merchant interchange fee charged by VISA.
More Questions?
FAQ
How do I start offering the Healthcare Spending Card to my patients?
Starting is simple and a few clicks away. Download the patient application flyer from the link above and start sharing with your patients.
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 by receiving a portion of VISA's merchant interchange fee as well as on fees the patient pays on 12-month healthcare loans that aren't eligible for 0% financing2 . Note that any 12-month dental 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 Lane Health charge providers to present the Card to patients?
Nothing. There are no setup fees, no recurring management fees nor any provider fees charged by Lane Health.
* 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).
2Lane 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).
2Lane 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
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?
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.
More Questions
* 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 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
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 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
