A: SmartHealth PayCard Mastercard is a credit card dedicated solely to covering healthcare needs, offering consumers and self-insured employers unparalleled flexibility and efficiency in managing their healthcare expenses. The SmartHealth PayCard offers an independent financial solution, separate from regular health insurance.
A: SmartHealth PayCard has lower rates and more flexible terms than most credit cards and its dedication to medical expenses allows for easier healthcare cost tracking, bookkeeping, and tax filing. The SmartHealth PayCard complements HSAs and offers discounts and provides additional benefits.
At no additional charge, cardholders receive up to $5,000 in accidental medical benefits coverage and $5,000 accident death insurance. They also receive significant savings on the retail cost of medications nationwide through our prescription savings program.
A: When you use your SmartHealth PayCard to pay for medical expenses, the provider receives payment immediately. You can track all transactions through your online account or mobile app. You will also see transactions on your monthly and annual statements.
A: You do not need to keep receipts to manage your SmartHealth PayCard but you may have a need to keep receipts for your personal tax reporting.
A: Your medical provider will submit claims to your insurance to determine if your deductible has been met and what expense you are responsible for.
A: You are able to make payments to your SmartHealth PayCard account via your online account or mobile app, by calling the 24-hour customer helpline (866) 276-5606, or by sending in a check. You can also schedule automatic payments to eliminate the hassle of remembering to submit your payment every month.
A: It takes only minutes to complete the online application. Go to: www.SmartHealthPayCard.com and click on Apply Now.
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: You will receive an express response of approval or decline once you submit your application.
A: We offer a revolving credit limit of up to $30,000.
A: Cardholders can pay for the medical-related expenses below:
A: You can use your SmartHealth PayCard at any pharmacy or medical provider that accepts Mastercard.
A: As a cardholder, you can log onto to your account or use the 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: Cardholders enjoy fraud protection, ensuring that they are not responsible for any unauthorized charges on the account. Simply call the 24-hour customer service line at (866) 276-5606 to report fraudulent activity on your account.
A: SmartHealth PayCard LLC seeks to empower individuals and families with financial solutions and resources to simplify and improve healthcare. To this aim, HealthCare PayCard partnered with Mastercard to provide the SmartHealth Paycard, a financial cure for healthcare.
A: There's a lot of information available on smarthealthpaycard.com. However, if you have additional questions you can't find answers to, and are an existing cardholder, please call our 24-hour customer service line (866) 276-5606. If you are not yet a SmartHealth PayCard cardholder, please contact us at (833) PAY-SMART so we can help you.