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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 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.

* These additional coverages are not major medical insurance for people and do not apply to animals. These benefits are a fixed indemnity reimbursement plan. By applying for and receiving the SmartHealth PayCard, the cardholder becomes a member of the Financial Solutions Association (FSA). Insurance underwritten by United States Fire Insurance Company.

Accident Medical Expense Benefits
Annual Maximum for All Accident Medical Expenses: $5,000
Maximum Number of Occurrences per Policy Year: 3
Age-Based Reductions at Age 65 or More: 15% of Principal Sum

Accidental Death Benefit
Principal Sum: $5,000
Time period for loss is 90 days
See complete terms and conditions here.

** The prescription savings program is not insurance. It can be used for your pets' prescriptions, if the medication is available for human consumption.

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!