Summary
Credit card issuers are offering a growing number of options for financing medical expenses. Use this table to compare and find the best deal.
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Health care providers and card issuers are offering a growing number of options for financing medical expenses. Here is a list of some of the credit options and terms.
See also: Special report: Do credit cards offer health care Rx?, 15 tips for paying high medical bills, Health care credit cards rise to fill insurance gap, CreditCards.com poll results: credit and health care costs, ‘MedFICO’ score: Good medicine or bad?No credit card, no medical service?, Blog: Americans worried about health care, Bankruptcies near record levels as economy sours, Study: 79 million struggling to pay medical bills and debt
| Credit issuer (type) | Treatment covered | Terms, restrictions | Interest rate | Credit limit, fees |
 CareCredit from GE Money | 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 | 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 | 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 | 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 | 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 |
Source: CreditCards.com research and interviews
Note: Terms listed in the chart are subject to change by lenders. Click on the links to the financing options for the most up-to-date terms.
See related: Special report: Do credit cards offer health care Rx?, 15 tips for paying high medical bills, Health care credit cards rise to fill insurance gap, CreditCards.com poll results: credit and health care costs, ‘MedFICO’ score: Good medicine or bad?No credit card, no medical service?, Blog: Americans worried about health care, Bankruptcies near record levels as economy sours, Study: 79 million struggling to pay medical bills and debt
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