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Focus on your Family's Health, Not How to Pay For It. For Pets Too!

Apply now for a revolving credit line up to $30,000 to pay for healthcare expenses not covered by insurance.

SmartHealth PayCard Card

Pay for your family's elective procedures, emergencies, planned surgeries, preventative care, and daily heath expenses like prescriptions and copays.

Since pets are family too, SmartHealth PayCard can also be used to pay for veterinarian care.

No restrictive networks. Choose any doctor, dentist, veterinarian, pharmacy, or practitioner where Mastercard® is accepted for healthcare services.

It takes just a few minutes to apply.

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Revolving Credit Line

Apply for a revolving credit line up to $30,000, depending on creditworthiness. Once approved, a virtual card is emailed for same-day use. Annual credit card fee of $120. The APR does not exceed 18%.

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Accident-Related Benefits**

Up to $5,000 in Accident Medical Expense Insurance for ambulance, emergency room visit, surgery center, surgeons, hospital room & board AND $5,000 Accidental Death Insurance. Benefits apply to you and your family. This is not major medical insurance.

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Prescription Savings***

With SmartHealth Rx, cardholders save up to 85% off retail prices for everyday drugs and prescriptions at 65,000+ pharmacies nationwide. This is a savings program,and is not health insurance.

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Organization of Healthcare Expenses

User-friendly online statements simplify management of health spend, bookkeeping, and tax preparation.

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Freedom to Make Smart Health Choices

Focus on your health, not how to pay for it. Get the care your family or pet needs, when they need it, even if that is today.

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Go-To Credit Card for Healthcare

Use for daily health expenses like prescriptions, over-the-counter medications, copays and deductibles. Mastercard® branded card with security and fraud protection you can trust.

SmartHealth PayCard Card

SmartHealth Rx is an easy way to save at the pharmacy.

  • Exclusive pricing specifically for SmartHealth PayCard participants including name brand and generic drugs
  • This is a savings program, and is not health insurance. Prescription savings benefit applies to the entire family. It can be used for your pets' prescriptions, if the medication is available for human consumption.

Already have prescription insurance? Ask your pharmacist to run both and use whichever offers the lowest out-of-pocket expense.

Download the SmartHealth Rx App

Find the best alternatives for you through our app. The Drug Pricing Estimator includes actual prescription costs for pharmacies within your geographic area…no need to shop around!

Don't let medical expenses cause financial hardship.

Have the freedom to focus on your health today!

** Plans are underwritten by United States Fire Insurance Company. This insurance provides limited benefits. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. By applying for and receiving the SmartHealth PayCard, the cardholder becomes a member of the Financial Solutions Association (FSA). Your coverage is under form BA-50000P-USF and issued to the FSA. It is subject to the terms, conditions, limitations and exclusions of the Policy. Any discrepancies between the certificate of insurance and the Policy will be governed by the Policy. See website for Certificate of Insurance.

Accident Medical Expense Benefits
Annual Maximum for All Accident Medical Expenses: $5,000
Maximum Number of Occurrences per Policy Year: 3
Lifetime Maximum: $100,000

Accidental Death Benefit
Principal Sum: $5,000
Time period for loss is 90 days
Age-Based Reductions at Age 65 or More: 15% of Principal Sum

*** This prescription savings program is not health insurance, and is not affiliated with United States Fire Insurance Company. The prescription savings program can be used for pets’ prescriptions, if the medication is also available for human consumption.