Credit issuer (type)

Treatment covered

Terms, restrictions

Interest rate

Credit limit, fees

CareCredit from GE Money
(credit card)

Dental, vision, cosmetic, hearing, veterinary from approved provider list

3 to 18 months with 3 percent minimum payment each month or fixed rate installment loan for up to 60 months; only accepted by GE Money medical providers

Zero percent if paid in full at end of term or 11.9 percent for fixed rate installment plan

Credit limit: $4,000 average

Late fee: $15 to $39

ChaseHealthAdvance
(installment loan)

Dental, orthodontic, vision, cosmetic, hair restoration from approved provider list

Three, 6, 12, 18 or 24 months; fixed rate installment loans for patients with good and excellent credit

Zero percent to 11.99 percent

Credit limit: $5,000 to $20,000

Citi Health Card
(credit card)

Dental, vision, hearing, veterinary from approved provider list

Three different plans: Zero interest for 3 to 18 months; Budget plan for 48 months at 12.96 percent; Regular revolving credit at 21.98 percent variable interest; only accepted by Citi medical providers

Zero percent to 21.98 percent, depending on plan

Default APR: 25.98 percent

Credit limit: varies by account

Late fee: $29 to $35

HumanaAdvance Visa Card
(credit card)

Any health-related products or services

Zero interest; balances repaid within 6 months from payroll deductions. Must sign up through employer

Zero percent

Credit limit: $500 to $5,000 depending on salary

Annual fee: $96 paid by employer and/or employee

Prepaid Healthcare Card
(debit card)

Approved health-related products and services

Available through employers’ Health Reimbursement Accounts (HRAs)

Allows employers to give employees tax-free reimbursements of qualified health expenses

Load amounts from $25 to $5,000 Fees: $4.95 per card, plus $2.95 to reload and $12.95 to replace lost or stolen cards

Wells Fargo Visa 
(debit card)

Anywhere Visa debit cards are accepted

Available only to employees enrolled in high-deductible health insurance plans using health savings accounts (HSAs)

Employees use their own money or contributions from employers; HSA earns tax-deferred interest

Credit limit: Based on account balance

Maintenance fee: $4.25/month for individual accounts