Participation in CarePayment is voluntary, and you can cancel at any time by contacting CarePayment Customer Care at 866-625-8532. Your remaining balance is returned to your healthcare provider, which may require you to pay it in full. Cancelling isn't reported to credit bureaus by CarePayment.
- Cancel any time by calling Customer Care or sending a portal message
- The balance returns to your provider, which may ask for payment in full
- Cancelling isn't reported to the credit bureaus by CarePayment
Need to pay the returned balance in full?
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How to cancel
- Call Customer Care at 866-625-8532, Monday to Friday, 7:00 a.m. to 7:00 p.m. Central Time.
- Or send a secure message from the member portal.
- Turn off autopay in the portal or app so no further payments are drafted.
- Call your provider to arrange how you'll pay the returned balance.
What happens after you cancel
CarePayment states you can cancel at any time and the balance will be returned to the provider, adding that the provider may require you to pay the balance in full (Patient FAQs).
Before you cancel
Ask yourself whether cancelling saves you anything. CarePayment is 0.00% APR, so cancelling only makes sense if you're paying the balance in full now, disputing it, or have a cheaper option such as financial assistance or a prompt-pay discount from your provider. If the monthly amount is the problem, ask your provider about financial assistance first.
Cancelling vs. just stopping payments
| Topic | Cancel | Stop paying |
|---|---|---|
| Account | Closed at your request | Closed for non-payment by letter |
| Balance | Returned to provider | Returned to provider |
| Credit bureaus | Not reported by CarePayment | Not reported by CarePayment |
| Your control | You choose the timing and talk to the provider | The provider's next steps happen without you |
Cancelling on purpose is better than letting payments lapse: you stay in control of what happens next (Provider FAQs).
Frequently asked questions
Is there a fee to cancel CarePayment?
CarePayment's FAQ doesn't list a cancellation fee. Confirm with Customer Care and your agreement.
Can I rejoin after cancelling?
Ask your provider. Enrollment runs through participating providers.