"CareCredit can be used for many necessary healthcare services not generally covered by traditional health insurance. Hearing and vision care, such as hearing aids and LASIK, are common procedures that qualify for CareCredit financing." - CareCredit
HealthCare Finance Questions and Answers
What is CareCredit’s healthcare financing? How does it work?
CareCredit healthcare financing is unique. Unlike a traditional credit card, CareCredit offers financing specifically for healthcare treatments and procedures. These treatments can include much needed family dental work, cosmetic surgery and treatments, vision care, or even veterinary services for your family pet. It is easy to apply for CareCredit financing online at www.carecredit.com and you can find out instantly if you are approved. CareCredit offers a variety of special financing plans which allow the patiend or client to pay over time.
What kind of medical procedures qualify for CareCredit’s medical financing?
CareCredit can be used for many necessary healthcare services not generally covered by traditional health insurance including dental treatments, hearing care, and even veterinary services. It can also be used for elective procedures such as cosmetic surgery and treatments, dermatolgy and LASIK and vision care.
What are the payment options for CareCredit’s healthcare financing?
CareCredit is a personal line of credit for healthcare treatments and procedures for your entire family, including your pets. It is a credit card but it has two advantages. It can only be used for healthcare services and you can get special financing every time you use your card. A minimum purchase amount may be required for promotional plans longer than 6 months in duration. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months or if you make a late payment. Minimum Monthly payments are required.
How do I apply for CareCredit’s healthcare financing?
Because we know that your time is important, we make applying for CareCredit healthcare financing easy. Apply online at http://www.carecredit.com/apply/ for instant approval and use our Provider Locator tool to find a doctor in your area who accepts CareCredit. You can apply and find out instantly if you are approved online or by phone 24 hours a day at (800) 677-0718.
Is CareCredit’s healthcare financing the same as a personal loan?
No. CareCredit healthcare financing is a revolving line of credit. It is a credit card exclusively for healthcare services such as dentistry, vision and hearing care, cosmetic surgery and treatments, dermatology, and veterinary services. CareCredit also differs from personal loans in that payment plans are flexible and you can choose a payment plan that works for you.
Can cosmetic surgery also be financed through the CareCredit plan?
Yes. Financing breast augmentation, liposuction or rhinoplasty is easy with a CareCredit provider. Not only are surgical procedures eligible for CareCredit financing, but minimially invasive outpatient cosmetic procedures, such a Botox, and laser and skin treatments also qualify. You can use the CareCredit card for services wherever the card is accepted.
What is a CareCredit card? What is the interest rate? How is it different than Visa or MasterCard?
The CareCredit card is a credit card designed exclusively for healthcare services. Save your consumer credit cards for household or unplanned expenses!
CareCredit offers a full range of payment plans. Our 6, 12, 18, and 24 month No Interest if paid in full within the promotional period* payment plans feature monthly payments as low as 3.75% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you'll pay No Interest if paid in full within the promotional period*. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months or if you make a late payment. Minimum monthly payments are required.
For patients/clients with higher treatment fees who would prefer more time to pay with lower monthly payments, our 24, 36, 48, & 60 month Extended Payment Plans** offer a low, fixed 14.9% interest rate and an extended term. You must make at least the fixed minimum monthly payment on or before the due date each month to keep your account in good standing. If your payment is late or you pay less than the fixed minimum monthly payment, your account will be in default, and your promotional Extended Payment Plan** interest rate and term will end. Your balance will then be subject to the penalty interest rate. You can always pay more than the minimum payment.
For complete details please read the Terms and Condition, visit CareCredit.com.
** Subject to credit approval
How can I find out if my doctor is part of the CareCredit Network?
You can find out if your doctor accepts CareCredit by using our online Provider Locator. Search by doctor name or practice or even search by professional service. The CareCredit Provider Locator will give you a list of providers in your area.
You can also browse our Doctor Locator for doctors located in the United States. The specialties include:
Yes. Each provider can offer whichever plans they choose. Providers select the plans which work best for their business and patients. Not all practices offer every plan. To find out which plans are available in your provider\'s practice, be sure to speak with the office manager or financial coordinator.
I Don't Need Another Credit Card. Why Do I Want CareCredit?
CareCredit is designed specifically for your healthcare needs and wants. Because it is not meant for all consumer purchases you can manage your out-of-pocket medical costs more efficiently. In addition there are no up-front costs, no pre-payment penalties, and no annual fees.
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HealthCare Finance
