FEDVIP

The Healthcare Spending Card¹ is your all-in-one card for healthcare spending needs

Meet the future of healthcare spending

Healthcare Spending Card

As a Delta Dental member, apply now to receive an exclusive member discount: 0% financing²on dental expenses when repaid over 12 months.

APPLY NOW

Get the care you need, when you need it.

Conquer unexpected and everyday healthcare costs

Get a healthcare safety net through an on demand credit line (up to $10k)
Use for medical, dental, vision and prescription expenses

Rest easy knowing you can get the care you need, when you need it

Enjoy the convenience of paying over time instead of trying to cover out-of-pocket costs upfront
With no annual fee², the Card is there for you when you need it –zero-cost when you don’t

Take care of your health as well as your finances

Save money with 0% financing²on healthcare expenses over 4 months – and even for hospital expenses repaid over 12 months
Repay using pre-tax dollars by
linking your HSA to the Card

APPLY NOW

* Subject to credit line approval

Innovative Financing Options available with the Healthcare Spending Card

First, you pay no annual fees².

Second, we don’t charge interest².

Third, you can take advantage of 0% financing² options for the following qualified expenses:

Hospital: 0% interest², $0 fees² when repaid over 12 months
Other healthcare: 0% interest², $0 fees² when repaid over 4 installments

Fourth, for all other types of healthcare bills we do charge origination and periodic finance fees² that total between 8-13% of the original loan amount over 12 months (see chart for how this varies by loan amount). Specifically, we charge a 5% Origination fee² plus periodic finance fees (charged four times over the 12 months and get smaller as you pay back your loan¹).

Two HR professionals discussing health benefits

Fees¹ (in dollars)

¹ Lane Health is a financial technology company, not a bank. The Healthcare Spending Visa® 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 VISA® 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
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