CarePayment is a provider-sponsored 0.00% APR line of credit with no application, no credit check and no credit reporting. You activate it with your first payment and can pay online, by phone, by app or by mail.
- Provider-sponsored 0.00% APR line of credit for medical bills
- No application, no credit check, no credit reporting
- Activate with your first payment; cancel any time
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The basics
What is CarePayment?
CarePayment is a 0.00% APR open-end line of credit, sponsored by participating healthcare providers, that lets patients pay their balance in monthly payments.
Is CarePayment a credit card?
No. It is an open-end line of credit issued by Republic Bank & Trust Company, not a credit card.
Is CarePayment a collection agency?
No. CarePayment is a financing program; it is not a collection agency.
Who pays for CarePayment?
Your healthcare provider pays CarePayment's program fees.
Who issues CarePayment accounts?
Republic Bank & Trust Company.
Can I apply for CarePayment online?
Not as a standalone application. Accounts are offered by participating providers; you can request one through your provider.
Is CarePayment safe?
It's a legitimate company with HITRUST certification. Pay only through official channels to avoid scams.
Credit and eligibility
Do I need good credit?
No. There's no application or hard credit inquiry; identity verification is required.
Does CarePayment report to credit bureaus?
CarePayment does not report delinquencies to credit bureaus.
Can I use CarePayment for cosmetic procedures?
It depends on the provider. Bassett Healthcare Network, for example, excludes cosmetic services.
Interest, fees and terms
Is the 0% APR a teaser rate?
No. CarePayment says the 0.00% APR is not introductory or promotional.
What's the minimum payment?
It depends on your provider's program; some list payments as low as $25 per month.
How long can I take to pay?
Terms are set by your provider. MultiCare, for example, uses CarePayment for plans of 12 months or more.
Is there a prepayment penalty?
Ridgecrest Regional Hospital's program states there are no prepayment penalties; check your agreement.
Does CarePayment charge late fees?
CarePayment says on-time payments carry no additional cost. Your agreement lists any late-payment terms.
Can I add more charges?
Approved future charges from the same provider can be added, currently at 0.00% APR.
Can family members share an account?
Some programs, such as Ridgecrest Regional Hospital's, allow family charges to be consolidated under one account.
Your account and payments
What is in the Welcome Kit?
Your CarePayment Agreement, your first statement and your first payment due date.
How do I activate my account?
Make your first payment by mail, phone, online or at your provider.
How do I pay?
Online at member.carepayment.com, QuickPay, autopay, phone, Text to Pay, the mobile app, or by mail to P.O. Box 2398, Omaha, NE 68103.
What is QuickPay?
A one-time payment option at member.carepayment.com/QuickPay that doesn't require a login.
Is there a CarePayment app?
Yes, for iOS and Android.
Does the app work on tablets?
No. The app is for iOS and Android phones; tablet users can use member.carepayment.com.
What is CarePayment's phone number?
866-625-8532, Monday to Friday, 7:00 a.m. to 7:00 p.m. Central Time.
Cancelling or stopping payments
What if I stop paying?
The account is closed by letter and the balance is returned to your provider.
Can I cancel?
Yes, at any time. The balance returns to your provider, which may require payment in full.