HealthCare Finance
Q & A with CareCredit®
Answers by
CareCredit, Inc. A GE Money
Company.
"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’s 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 or even veterinary services for your family’s pet. It’s easy to apply for CareCredit financing online at carecredit.com and you find out instantly if you are approved. CareCredit also gives you a ‘No Interest’ option, as well as an Extended Payment Plan (EPP) which helps you select a payment plan that works for you. This convenience allows you to start using your CareCredit account immediately. CareCredit healthcare financing is accepted at 100,000 practices, which makes finding a participating provider simple. Don’t know if your doctor, dentist, vet or chiropractor accepts CareCredit? The CareCredit website can help you find an approved provider in your area.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. Hearing and vision care, such as hearing aids and LASIK, are common procedures that qualify for CareCredit financing. General and cosmetic dentistry are also common and CareCredit financing comes in very handy. Other qualifying procedures and services include cosmetic procedures and surgery, chiropractic services and veterinary services.What are the payment options for CareCredit’s healthcare financing?
Unlike traditional credit cards, CareCredit healthcare financing offers different payment options which allow you flexibility in finding a payment plan that works for you. If you feel you can pay off your CareCredit balance within 3, 6, 12, or 18 months, you can select the ‘No Interest’ plan. If you will need a little more time for paying off your CareCredit account balance, you can take advantage of our 11.9 Low Fixed Interest plans for 24, 36, 48, or 60 months.Who endorses CareCredit’s healthcare financing?
CareCredit healthcare financing is endorsed by numerous national healthcare organizations. The American College of Eye Surgeons and the Society for Excellence in Eye care support CareCredit’s financing of LASIK and vision care. CareCredit’s dentistry financing is endorsed by the American Dental Association, Academy of General Dentistry and other national dental associations and academies. In addition to the national endorsements, CareCredit is also endorsed by over 20 state dental societies and associations. The American Society of Plastic Surgeons, American Animal Hospital Association and American Hearing Aid Associates are just a few of the other national endorsements of CareCredit. For a complete list of national and state endorsements, please visit our website at https://www.carecredit.com/endorsements.htmlHow 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 search tool to locate a provider near you. You can apply and be instantly approved by phone 24 hours a day at (800) 677-0718 using our simple automated system or speak with a live customer service agent from 8:00 am - 8:00 pm (EST). You can even apply and be instantly approved at your doctor’s office.Is CareCredit’s healthcare financing the same as a personal loan?
No. CareCredit healthcare financing is exclusively for healthcare services such as dentistry, vision and hearing care 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.Is cosmetic surgery also 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 outpatient cosmetic procedures, such a Botox, laser hair removal and skin treatments also qualify.If I don’t have the best credit score, can I still get approved for CareCredit’s healthcare financing?
Yes. A lower credit score may effect your payment options, but you will still be approved.What is a CareCredit card? What is the interest rate?
The CareCredit card is a credit card designed for healthcare and beauty services. Unlike traditional consumer credit cards, CareCredit offers a wide array of options, including no pre-payment penalties, no up-front costs and no interest financing if paid within 3, 6, 12, or 18 months. If a longer payoff time is desired, payment plans of 24, 36, 48, or 60 months are available with 11.9% Low Fixed Interest.How can I find out if my doctor is part of the CareCredit Network?
You can find out if your doctor accepts CareCredit by searching 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:
Veterinarians, Lasik Doctors, Dentists, Cosmetic Surgeons, Hearing Doctors, Chiropractors, Weight Loss Surgeons, View Full List
(All Specialties)
Do different doctors offer different plans?
Yes. Every provider offers a variety of our No Interest and Low Fixed Interest (EPP, Extended Payment Plans). However, all doctors offer the ‘3 Months No Interest’ Payment Plan. Each provider and/or office can offer whichever plans they choose to. Providers select the plans which work best for their business and patients. When selecting a provider from our Provider Locator, be sure they offer the plan you are most comfortable with.
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