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The Healthcare Spending Card1

The ultimate solution to help effortlessly managing healthcare expenses. Save now and save later with the Healthcare Spending Card: 

  • Track, spend, and save on healthcare expenses with this powerful payment method designed specifically for managing healthcare costs.
  • Repay healthcare expenses with pre-tax dollars by linking with your Healthcare Savings Account (HSA).
  • Take advantage of 0% financing options2
  • No credit checks  
  • No annual fee2 

Start taking control of your healthcare finances today with the Healthcare Spending Card.  

APPLY NOW
COMPARE
Meet The Healthcare Spending Card

A brighter way to pay for healthcare

  • Gain access to a new source of funds through a line of credit of $500+ (up to $10,000) with no credit check.
  • Stay in control of your healthcare bills by splitting them into smaller repayments over 12 months (with fees) or 4 months (with no fees2).
  • Pay for hospital bills over 12 months with no fees2.
  • Utilize available pre-tax HSA funds by linking your Health Savings Account (HSA) to the Card and get tax savings through pre-tax repayment.

Re-inventing Healthcare Financing

Standard Credit Card

Healthcare Spending Card

Many charge annual fees
No Annual Fee2
Most charge high interest rates (2024 US average APR = 24.92%*)
0% Financing Options2
Usually performs credit checks
No Credit Check
Don't allow for pre-tax repayment on healthcare expenses
Pay for healthcare with pre-tax funds from HSA
Many lack a Savings Partnership
GoodBill Saving Partnership
DISCOVER THE DIFFERENCE

Get your Card in 3 easy steps!

Step 1 - Verify your Information

To get started we'll ask for some preliminary information from your name to your mailing address. We don't perform a credit check as we believe everyone deserves better access to healthcare funds*.

Step 2 - Create your Account

Create your username and password, link your health savings account and access your healthcare information in new and powerful ways.

Step 3 - Request your Card

Upon application and approval of your Card, you'll get instant access to a virtual card so you can pay for healthcare expenses in the moment. And you can request the physical version of your Healthcare Spending Card which arrives typically within 7-10 days.

Image shows the application for healthcare spending card
Image showing a user creating their login credentials
Application image to request your card

Designed specifically for healthcare

Lane Health is helping thousands of hard-working people like yourself build healthier futures and finances…

"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!"

Deanna

Lane Health Member

"No fees, no problem! My daughter's orthodontist charges a $25 monthly fee for payments made on braces. Thanks to my Delta Dental insurance and the partnership with Lane Health, I was able to use my Healthcare Spending Card to pay the orthodontist in full and avoid fees completely. There are so many other things I can use that extra $300 for. YES!"

Michele

Lane Health Member

"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!"

Brad

Lane Health Member

JOIN LANE HEALTH

The Healthcare Spending Card Built for You

"I love my Lane Health spending card..so convenient!"
Lynn, a Healthcare Spending Card Member

Immediate access
to healthcare funds*

No annual fees2

0% Financing options2

Image of healthcare spending card

No credit check

Pay with pre-tax
funds from your HSA

GoodBill Partnership

APPLY NOW
* 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 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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