Frequently Asked Questions

Q: What is the SmartHealth PayCard?

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.

Q: Why was SmartHealth PayCard created?

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.

Q: Why would I want a SmartHealth PayCard when I already have a credit card?

A: Many reasons. Here are just a few:

  • SmartHealth PayCard is more than a credit card. We are a financial solution for healthcare expenses that is bundled with unique healthcare benefits. Details on those benefits are listed below.
  • There are no surprise "balloon payments" or surprise interest increases, like you might experience with some term loans or other financing options. Our APR does not exceed 18%.
  • The SmartHealth PayCard can be a financial safety net for your entire family’s day-to-day health expenses, and in case of medical emergencies.

Q: Why would I want a SmartHealth PayCard instead of a non-credit card financing choice?

  • No re-approvals or pre-approvals when healthcare services are needed.
  • There are no surprise "balloon payments" or surprise interest increases, like you might experience with some term loans or other financing options.
  • No restrictive networks. You can choose any provider, facility or veterinarian that accepts Mastercard.

Q. What are the healthcare benefits that are bundled with the credit card?

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.

  • Up to $5,000 in Accident Medical Expense Insurance*** Benefits allow for reimbursement for accident-related expenses, which includes a surgery benefit and more:
    • Hospital Room and Board Daily Maximum Benefit: up to $500
    • Outpatient Primary Surgeons Maximum Benefit: up to $500
    • Outpatient Assistant Surgeon Maximum Benefit: up to $500
    • Outpatient Surgical Facility Maximum Benefit: up to $500
    • Emergency Room Benefit: up to $500
    • Air and Ground Ambulance Benefit: up to $500
    • Reimbursement(s) provided directly to cardholder.
    • Up to 3 accident occurrences per year. $5,000 maximum annual benefit.
    • This is not health insurance. Other terms and conditions apply.

    Click here for complete list of terms and conditions.

    *** Insurance benefits are underwritten by United States Fire Insurance Company.

  • $5,000 Accidental Death Insurance***, which helps family members pay for expenses related to household management and medical expenses, in the event of an accidental death.

    *** Insurance benefits are underwritten by United States Fire Insurance Company.

  • Save up to 85% on Prescriptions** through our proprietary prescription savings program, SmartHealth Rx. It provides competitive pricing on medications for SmartHealth PayCard cardholders with no insurance or facing high deductibles. More details are listed below.

    ** This is a prescription savings program, not insurance.

Q: How do I file a claim for the Accident Medical Expense Insurance*** benefits?

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.

*** Insurance benefits are underwritten by United States Fire Insurance Company.

Q: How do I file a claim for the Accidental Death Insurance*** benefit?

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.

*** Insurance benefits are underwritten by United States Fire Insurance Company.

Q: How does SmartHealth Rx, the prescription savings program**, work?

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.

** This is a prescription savings program, not insurance.

Q: What if I already have Prescription insurance?

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.

Q: How do I locate pharmacies that accept the prescription savings plan, SmartHealth Rx?

A: Within the SmartHealth Rx app, you can search and compare costs at pharmacies near you to find the best price.

Q: How do I locate healthcare providers or pharmacies that accept payment with the SmartHealth PayCard?

A: There are no restrictive networks. Your SmartHealth PayCard can be used for payment at any healthcare provider where Mastercard is accepted.

Q: What expenses can I cover with the SmartHealth PayCard?

A: Cardholders can pay for the healthcare-related expenses below:

  • Ambulance Services
  • Chiropractors
  • Cosmetic Surgery
  • Mental Health and Counseling: Couples/Individual/Debt
  • Dental and Medical Laboratories
  • Dental/Lab/Medical/Ophthalmic Hospital Equipment & Supplies
  • Dentists, Orthodontists
  • Dermatologists
  • Drugs, Druggists, Sundries
  • Drug Stores, Pharmacies
  • Health Practitioners, Medical Services-not elsewhere classified
  • Hearing Aids-Sales, Service, Supply Stores
  • Hospitals and Physicians
  • Insurance Premiums
  • Nursing and Personal Care Facilities
  • Opticians, Optical Goods, and Eyeglasses
  • Optometrists, Ophthalmologists
  • Orthopedic Goods-Artificial Limb Stores
  • Osteopathic Physicians
  • Podiatrists
  • Radiology
  • Veterinary Services

Q: Can I use the SHPC for my pet's needs?

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:

  • Emergency Services
  • Surgical Procedures
  • Annual Check-ups
  • Teeth Cleaning
  • Dermatology
  • Rehab
  • Medication*
  • Diagnostics
  • Care of chronic pet conditions
  • Vaccinations
  • Microchipping
  • Prescription pet food and nutrition*

* Only when purchased through a Veterinarian’s office.

Q: What is the credit limit offered by SmartHealth PayCard?

A: We offer a revolving credit limit of up to $30,000, depending on the applicant’s creditworthiness.

Q: What is the APR?

A: Our APR does not exceed 18%.

Q: What is the annual fee?

A: $120

Q: Why does SHPC charge an annual fee?

A: To cover the array of benefits outlined above.

Q: How do I apply?

A: It's simple! Click here:
Apply Now

It takes only a few minutes to complete the online application. Please fill in the Application Code provided by your provider, if applicable.

Q: Will my credit score be affected?

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

Q: Can I add an additional user? Will it affect their credit?

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.

Q: How soon will I learn if I am approved?

A: With our Express Approval process, applicants receive a response of approval or decline within a few minutes of when the application is submitted.

Q: How do I use my SmartHealth PayCard revolving credit line within a few minutes of approval?

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.

Q: Can I begin treatment right away, even before I get my physical SmartHealth PayCard?

A: Yes, your virtual card will work for payment the same as a plastic card.

Q: How do I use the virtual 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.

Q: Can I always use my virtual card?

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.

Q: Do I need to activate my plastic card?

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.

Q: How do I check my account balance?

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.

Q: How are payments made on the SmartHealth PayCard?

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.

Q: What payments are due on a monthly basis?

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.

Q. How will my health insurance company know if my deductible has been met or if payments made have been applied towards my deductible?

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.

Q: How does SmartHealth PayCard compliment HSAs?

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.

Q: How do I report fraud on my credit card?

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.

Q: Do I need to keep healthcare receipts for tax purposes?

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.

Q: I still have more questions about SmartHealth PayCard. Who can I ask?

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).