A: The SmartHealth PayCard™ Mastercard® credit card is designed for your entire family's healthcare expenses, including veterinary services for pets.
It can be used for prescriptions, daily health needs, routine exams, preventative care, planned surgeries, elective procedures, and emergency care.
It can be used for healthcare expenses that are not always covered by insurance, even your health insurance premiums.
Our vision is to empower individuals and families to have access to high-quality healthcare when it is needed. We have an Express Approval process that provides access to your available line of credit within a few minutes of approval. A virtual card is emailed to approved applicants, so they can access their line of credit immediately to get the healthcare they need.
A: Many reasons. Here are just a few:
A: The benefits are detailed below. Remember, these are at no additional charge to the cardholder. Benefits also apply to the cardholder's spouse and dependent children.
Click here for complete list of terms and conditions.
A: To file a claim, complete all items on the required claim form that can be found here.
Attach all appropriate documents, and mail or fax to: Forrest T. Jones, Company, Inc., PO Box 418131, Kansas City, Mo. 64141-8131; Fax Number 816.968.0575; Claims are processed by the Claim Administrator, Forrest T. Jones. Email: claimsmail@ftj.com. Phone: 800.821.7303.
A: To file a claim, complete all items on the required claim form that can be found here.
Attach all appropriate documents, and mail or fax to: Forrest T. Jones, Company, Inc., PO Box 418131, Kansas City, Mo. 64141-8131; Fax Number 816.968.0575; Claims are processed by the Claim Administrator, Forrest T. Jones. Email: claimsmail@ftj.com. Phone: 800.821.7303.
A: For your convenience, the prescription savings card is 100% digital, accessible exclusively via the SmartHealth Rx app. To access your prescription savings, download the SmartHealth Rx app to your phone. It is available for both Apple and Android.
Open the app, and when prompted, enter group number SHC01 to access your savings card. Your member ID is your mobile phone number, including the area code.
Show your digital card to the pharmacist when picking up your prescription. Some pharmacists can also store your account information for future use.
A: Ask the pharmacist to run both, your insurance price and the SmartHealth Rx price. Then use your SmartHealth Pay Card Mastercard to pay for the lower priced result.
A: Within the SmartHealth Rx app, you can search and compare costs at pharmacies near you to find the best price.
A: There are no restrictive networks. Your SmartHealth PayCard can be used for payment at any healthcare provider where Mastercard is accepted.
A: Cardholders can pay for the healthcare-related expenses below:
A: Yes, pets are part of the family, too. We want your whole family to have access to healthcare when they need it. So yes, you can use your SmartHealth PayCard to pay for veterinary services, including:
* Only when purchased through a Veterinarian's office.
A: We offer a revolving credit limit of up to $30,000, depending on the applicant's creditworthiness.
A: Our APR does not exceed 18%.
A: $120
A: To cover the array of benefits outlined above.
A: When you apply for the SmartHealth PayCard, your credit report will be reviewed. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau: http://www.consumerfinance.gov/learnmore
A: Yes, you may add an additional user to your account. No, the additional user's credit will not be affected, as you are choosing to grant them access to share your existing line of credit previously approved by SmartHealth PayCard.
Charges from any additional user(s), when combined with the cardholder's charges, may not exceed the original approved credit limit for that account.
A: With our Express Approval process, applicants receive a response of approval or decline within a few minutes of when the application is submitted.
A: Your virtual card is emailed to you within minutes of application approval. A security code will be sent via text message. This code will need to be used in combination with the emailed link, in order to access your virtual card number and CVV code.
A: Yes, your virtual card will work for payment the same as a plastic card.
To pay a provider, the card number, expiration date and CVV need to be manually keyed in following the provider's “card not present” process, similar to when they are accepting a payment over the phone.
A: No, your virtual card is deactivated once you receive your plastic card in the mail. For security reasons, your plastic card will have a new card expiration date and new CVV code.
A: Yes. Activate your plastic card by setting up a new user account under “User Login” on SmartHealthPayCard.com. Activation of your plastic card is necessary to continue to access your credit line.
A: As a cardholder, you can log into your online account or use the SmartHealth PayCard mobile app to review your balance and manage transactions. You can also call the 24-hour customer service line at (866) 276-5606 to receive your balance and transaction information.
A: Payments can be made to the SmartHealth PayCard account via an online account, SmartHealth PayCard mobile app, by calling the 24-hour customer helpline (866) 276-5606, or by sending in a check. Automatic payments can be set up to eliminate the hassle of remembering to submit your payment every month.
A: Minimum of $30 or 3% of the account balance, whichever is greater. Refer to your account agreement for further details on monthly billing statements and minimum payments due.
A: Your medical provider will submit claims to your health insurance company to determine if your deductible has been met and what out of pocket expenses can be anticipated. Your SmartHealth PayCard can be used to pay for out-of-pocket medical expenses, whether or not you have major medical insurance. Remember to keep track of your receipts in case you need them for insurance or tax purposes.
A: Health Spending Accounts (HSA's) can be structured in a variety of ways. Some HSA's cannot be accessed until they are funded from periodic paycheck withdrawals. Your SmartHealth PayCard revolving credit line can be used prior to your HSA being funded.
A: Cardholders enjoy fraud protection ensuring that they are not responsible for any unauthorized charges on the account. If you suspect that your card account has been compromised or has fraudulent charges posted, simply call the 24-hour customer service line at (866) 276-5606 to report fraudulent activity on your account.
A: Yes. While our user-friendly portal allows for easier healthcare payment tracking, you should always maintain any original healthcare receipts that you might need for tax preparation. Refer all tax-related questions to your accountant.
A: For efficient access to in-depth SmartHealth PayCard questions, please review the information on our website, smarthealthpaycard.com.
If you are a cardholder, and further information is needed, please call our 24-hour customer service line: (866) 276-5606.
If you are not a SmartHealth PayCard cardholder, please contact us at (833) PAY-SMART (833-729-7627).
** 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.