: Care credit bill pay
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Care credit bill pay -
We encourage you to contact your surgeon and your insurance company if you have any questions about your financial obligations. In addition, please make sure your authorization/pre-certification for surgery is on file prior to surgery. We now offer online Payments with Patient Notebook.
Pay your bill online with Patient Notebook>
In addition to Patient Notebook for online bill payments you can also pay your post-care balance online with the CareCredit credit card.
We proudly accept the CareCredit credit card to help you finance all of your healthcare needs. Now you can use Pay My Provider, a new online payment solution from CareCredit, to help pay outstanding balances quickly and securely. Special financing options are available.*
Visit Pay My Provider to pay with your CareCredit credit card>
*Subject to credit approval. Minimum monthly payments required. Promotional financing options are available on purchases of $200 or more. Standard Account Terms apply to purchases of less than $200. Promotional financing options available through Pay My Provider may differ from options available in-office.
Pay Your Healthcare Costs Over Time*
North Vista Hospital is pleased to announce that we have partnered with CareCredit® to offer promotional financing options* with the CareCredit credit card to help you get the care you need, when you need it.
Take a moment to explore your options and decide what fits your needs best.
Promotional Financing with CareCredit
CareCredit is a health, wellness and personal care credit card that gives you the ability to pay over time with promotional financing options* for expenses of $200 or more.
Use CareCredit to pay for deductibles, copays and out-of-pocket expenses not covered by insurance.* Plus, you can use it again and again at 245,000+ provider and select retail locations nationwide.
How It Works
Simply apply online or call 855-938-3672** or text HEALTH to 24553 †
Get a credit decision within seconds. If approved, you can use your account immediately
Pay in-person or online
*Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.
**Must be 18 or older to apply, must be 21 or older to apply by phone.
†Standard text message rates apply.
CareCredit: Dental insurance doesn’t cover it all
CareCredit is here to help you pay for the treatments and procedures your insurance doesn’t cover. We offer No Interest* financing with low minimum monthly payment options so you can get what you want, when you want it. you can even use CareCredit for your family and favorite pet.
With three simple steps, including an instant approval process, it’s easy to apply. And after you’re approved, you’re free to use your financing for many of your healthcare needs beyond just your dental health such as LASIK, veterinary, cosmetic, hearing aids and more.
CareCredit is endorsed by some Saint James Dentistry as well as most of the most popular health care providers.. For over 20 years, they’ve been helping over five million cardholders get the healthcare treatments they want and need. Now you don’t have to worry about saving up for the procedures you want and need. With Saint James Dentistry and our financing options, the decision is in your hands to get what you want, when you want it. For more information or to apply online go to carecredit.com.
How Does CareCredit Work?
Healthcare is expensive. In addition to rent or mortgage payments, healthcare costs can be one of the biggest monthly budget items for many individuals.
Paying medical bills can be a financial burden and a significant challenge. A while back, a variety of well-known lenders and healthcare companies—including GE Capital, JPMorgan Chase, Citigroup, Capital One, UnitedHealth Group, and Humana—launched credit cards designed to help pay for the high costs of healthcare. Though many of these firms have since stopped participating in the program, revolving credit lines for use to cover healthcare costs are still available to consumers.
Branded medical credit cards are essentially an unsecured line of credit offered by some healthcare providers. The card isn't part of the Visa and Mastercard payment network so it can't be used for everyday purchases. It's often a way for doctors to allow patients to finance elective procedures that are not covered by insurance, like cosmetic surgery. Akin to private label retail store credit cards, these products generally have limited usage options and higher long-term interest rates compared with general use credit cards.
- Synchrony's CareCredit has entered into agreements with a broad range of healthcare providers that will accept its credit card as payment for their services.
- Synchrony is one of the largest providers of private label credit cards in the U.S.
- The card can be used to cover traditional medical insurance copayments on covered services; it can also be used for elective medical procedures that are not covered by traditional insurance plans.
- It is important for consumers to keep in mind that CareCredit—and other similar healthcare credit card companies—are in business to make a profit.
How CareCredit Works
CareCredit is a division of Synchrony Financial (SYF). Synchrony is one of the largest providers of private label credit cards in the U.S.
Synchrony's CareCredit has entered into agreements with a broad range of healthcare providers that will accept its card as payment for their services; the card is accepted by over 200,000 healthcare providers in the United States.
The card can be used to cover traditional medical insurance copayments on covered services. The card can also be used for elective medical procedures that are not covered by traditional insurance plans. Some of the medical procedures and wellness services that the card can be used for include vision care, cosmetic surgery, dermatology services, dental services, and hearing care.
The providers range from doctors, dentists, and surgical centers to vision care and hearing centers, hair restoration, and even veterinary services. CareCredit cardholders can go to the CareCredit website and enter a zip code to find local providers that take the card.
By paying with the CareCredit card, consumers are eligible to participate in short-term financing offers that enable them to make payments over six, 12, 18, or 24 months. In addition, there are no interest charges as long as they spend at least $200 and pay the full bill within the agreed-on time period. Extended time periods up to 60 months for minimum purchase amounts of $2,500 are also available, with interest rates as low as 17.9%.
CareCredit Is in Business to Make a Profit
Though their marketing pitches focus on providing access to affordable healthcare, it is important for consumers to keep in mind that CareCredit—and other similar healthcare credit card companies—are in business to make a profit.
They offer no-interest financing, counting on many consumers overextending themselves and being unable to pay their bills in full, thus incurring expensive financing charges. They may also count on consumers misunderstanding the terms.
According to the Consumer Financial Protection Bureau (CFPB), CareCredit has "misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loans." Such loans assess interest starting from the date of purchase throughout the promotional period; if cardholders fail to pay the debt in full by the end of that period, they must pay all the accrued interest (not just interest on the remaining balance).
In 2013, CFPB ordered CareCredit (at that time, CareCredit was a subsidiary of GE Capital) to refund $34.1 million to cardholders. In response, the firm created a CareCredit Certification with its providers "in an effort to ensure that every CareCredit card applicant is given a clear, easy-to-understand explanation of financing options available."
However, the firm's "promotional financing options"—the ones with no interest, or a relatively low interest rate—are not available through every provider. Cardholders should check with their provider to determine the available options.
CareCredit also advises cardholders that "paying only the minimum due on your account each month may not pay off your balance before the end of the promotional period" and to contact the company to ensure that you are paying the correct amount "to take advantage of your special financing promotions."
Complexities like this are not limited to CareCredit’s offerings. A medical credit card survey by a group called Consumer Action found similar practices by other healthcare credit card providers.
How Is CareCredit Different From a Regular Credit Card?
CareCredit is a credit card specifically designed for health and wellness needs. You can't use it anywhere or for anything; rather, it's intended to pay for medical expenses at various hospitals, veterinary clinics, dental centers, and private medical practice firms, along with healthcare-related retailers and pharmacies: some 225,000 providers in all.
Also, the financing terms tend to be different from a regular credit card's. Instead of an ongoing, revolving credit line and interest charges, CareCredit offers financing options of 6, 12, 18, or 24 months; no interest is charged on purchases of $200 or more when you pay the full amount due by the end of the period. If you do not, interest is charged from the original purchase date, at an annual percentage rate (APR) that can be as high as 26.99%. lt also offers longer-term healthcare financing for 24-, 36-, 48-, or 60-month periods, at APRs ranging from 14.9% to 17.9%.
Is It Worth It to Get a CareCredit Card?
It can be, especially if you incur a major medical expense that's not covered (or not sufficiently covered) by health insurance, and the provider doesn't accept credit cards. However, CareCredit functions more like a loan than a credit card. It offers payment plans of varying durations, during which you make minimum monthly payments toward the debt. You don't pay any interest during that time, but if you haven't paid off the entire balance by the end of the term, you're charged interest at a steep rate (currently 26.99%) retroactively from the purchase-of-service date—on your entire original balance, in other words.
For that reason, it's generally always better to use a regular credit card, especially if has a 0% APR intro offer—or even if it has a lower APR than CareCredit's current 26.99%, which many cards do. And of course, regular credit cards can be used in more places, and offer cash back or rewards, too.
CareCredit probably is easier to get than a regular credit card, though—one of the reasons its interest rates are higher. For larger expenses—$1,000 and up—CareCredit does offer longer-term plans at rates that are somewhat more competitive.
What Are Some Alternatives to CareCredit?
First, check to see if your provider privately offers some sort of pay-over-time arrangement. Many large practices and facilities have repayment plans that don't charge interest or fees as long as you pay regularly.
If it's available through your health insurance plan, consider establishing a Health Savings Account (HSA): You contribute money on a pretax basis—usually taken out of your paycheck—and your money gets the chance to grow tax-free until you use it for qualified healthcare expenses. If you're on your employer's group insurance plan, there's a similar tax-advantaged account, the flexible spending account (FSA)—but you usually have to use up all the funds in it within the year you contribute them.
Because CareCredit functions somewhat like a loan, with a set repayment period, you might consider just taking out a personal loan from a bank or credit union instead. You'll pay interest along the way, but it's likely to be at a lower rate than the interest charged by CareCredit if you don't settle your entire debt by the period's end.
Finally, consider using a regular credit card as an alternative to CareCredit. If you see a card offering a 0% APR promotion, consider applying for it to use in payment of your medical bills. The minimum payments may well be lower. These promo periods often extend for 18 or 24 months, which are as long as CareCredit's. And even if you haven't paid in full by the time the promo ends, you'll probably incur a lower interest rate—and just on the remaining balance, too.
The Bottom Line
Healthcare credit cards provide a way to make medical expenses more manageable. Of course, consumers must remember that the financing behind these credit cards is provided by for-profit companies that are in business to make money. If you're not careful, you can incur significant expenses from the associated fees. Like all credit cards, healthcare-oriented credit cards should be used in a cautious and responsible manner because failure to abide by the terms of the account agreement will be reported to credit bureaus and hurt your credit score. This includes reading the fine print and having a complete understanding of terms and associated expenses.
Infinite Health Collaborative (i-Health)
Infinite Health Collaborative (“i-Health”) is a group of independent physician practices who have joined together to offer a solution for your healthcare needs. Our goal is to provide a network of physicians that are closely aligned to deliver value-based care. OBGYN & Infertility is proud to partner with other independent physician groups in Minnesota and western Wisconsin. We will continue to operate under the OBGYN & Infertility name, however all of your billing and insurance explanation of benefits (EOB) will display the legal business name of “Infinite Health Collaborative.”
Pay Your OBGYN Associates Bill
OBGYN Associates/i-Health makes it easy and convenient to pay your bill. Please click on the button below to pay your OBGYN Associates bill. You can pay online by eCheck, VISA, American Express, MasterCard or Discover. Be sure to have your statement and payment method readily available when making your payment.
NOTICE: OBGYN Associates online bill payment is powered by InstaMed®. It does not have an affiliation with any other online bill payment directory or processor. Patients have reported third party services fees and other issues based on their use of unaffiliated online bill payment directories or processors.
If you have any questions regarding your billing statement, please call our Customer Service Team at 952-512-5625.
Pay Your Bill Through CareCredit
CareCredit is a healthcare credit card designed for your health and wellness needs. It’s a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. Click on the button below to pay your OBGYN Associates bill through your CareCredit account or to set up a new account.
For questions regarding your CareCredit account, please contact them directly at 800-365-8295. For any questions regarding your OBGYN Associates billing statement, please call our Customer Service Team at 952-512-5625.
Click here to read additional information and frequently asked questions (FAQs) about paying your bill.
5 Things to Know About the CareCredit Card
The CareCredit Card, issued by Synchrony, is designed to provide financing for consumers who are faced with medical expenses that aren’t covered by insurance. Medical bills are a big issue for Americans — according to the Journal of the American Medical Association, 17.8% of individuals in the U.S. had medical debt in collections in June 2020.
The CareCredit Card is accepted at more than 225,000 providers, but it’s not a general-use card that you’d also reach for when making nonmedical purchases.
Here are five things to know about the CareCredit Card.
» MORE: Medical credit cards are costly if you’re not careful
1. You can use it only on certain health care purchases
You can use the CareCredit Card at health care and wellness providers that have enrolled in CareCredit. While a wide variety of providers and businesses accept the CareCredit Card, your preferred doctor may not. If you’re anticipating a medical expense that you’d like to finance, you can search for providers in your area that accept the CareCredit Card.
Enrolled providers include, but are not limited to:
Medical specialists, dentists, eye doctors, dermatologists and cosmetic surgeons.
Hospitals, surgical centers, medical imaging and lab work.
Medical equipment, supplies and pharmacies.
Fitness equipment and spa treatments.
Routine and emergency veterinary care.
» MORE: Can I pay off medical expenses on my credit card with my HSA/FSA?
2. It’s a deferred interest card ...
Deferred interest cards like the CareCredit Card offer a no-interest promotional period, but there’s a catch. If you haven’t paid the balance in full by the end of the promo, you’ll owe interest on the entire original borrowed amount, not just the remaining balance.
The CareCredit Card offers these short-term financing options: no interest for 6, 12, 18 or 24 months on purchases of $200 or more. If you don’t pay the balance back on time, you’ll pay a jaw-dropping 26.99% annual percentage rate (as of this writing) on every cent you financed in the first place.
» MORE: Best credit cards for medical expenses
3. … and it can also be a low-interest card
For larger medical expenses, you can opt for longer-term financing at a lower interest rate, without a 0% intro APR promo. As of this writing, purchases of $1,000 or more can qualify for:
14.9% APR for 24 months.
15.9% APR for 36 months.
16.9% APR for 48 months.
Purchases of $2,500 or more may be eligible for a 60-month loan at 17.9%. For all of these financing options, fixed monthly payments are required until you’ve paid your balance in full.
» MORE:I can’t afford my medical bills — should I put them on a credit card?
4. Your account is available immediately upon approval
You can’t always predict when you’ll be subject to a big medical bill, but you can use a new CareCredit Card account the moment your application is approved, even if your physical card hasn’t arrived in the mail yet. That means you can apply from the doctor’s office and use the card to pay your bill.
» MORE:4 ways to keep medical debt off your credit cards
5. It’s one of several ways you can pay for medical expenses
The CareCredit Card is certainly an option for large medical expenses, but depending on your situation, you may want to consider other choices.
First, explore ways to lower costs. You may be eligible for discounts on certain procedures, health care products and wellness programs through your health insurance plan. Also, before you pay a medical bill, make sure you’re being correctly charged, as errors can cost you. You may be able to negotiate a reduced cost with the provider as well.
Once you have your final bill, here are additional ways to pay:
A payment plan. You may qualify for a monthly payment plan directly through your provider, possibly without fees or interest. Contact your provider to discuss your eligibility.
A credit card with a 0% APR promo. For planned medical expenses, a credit card charging 0% interest on new purchases can give you time to pay down a balance. And unlike the CareCredit Card, these kinds of cards won’t charge you interest on the original amount borrowed if you don’t pay off your debt in time. Instead, you’ll owe interest only on the remaining balance.
A balance transfer credit card. If you already charged a medical bill to a credit card, you can move your debt to a balance transfer credit card charging 0% interest. You typically need good or excellent credit to qualify and you may pay a transfer fee. However, again, if you have a balance left after the 0% APR promo ends, you’ll owe interest only on that balance, not on the total original transferred amount.
Flexible financing options from an existing credit card. Some large credit card issuers now allow you to either turn your available credit line into an installment loan (at a lower ongoing APR), or break up an individual card transaction into predictable monthly payments.
A personal loan. The CareCredit Card offers longer loan terms for lower interest rates, but depending on your credit history and financial situation, you may qualify for even better rates with a personal loan.
» MORE: 3 medical debt mistakes to avoid
Your co-payment, co-insurance and deductible are due at the time of service. For your convenience, Mayfield accepts cash, personal checks, and most major credit cards. Please remember to bring your insurance card, Medicare or Medicaid card with you to your office visit. If you do not bring your card, we will ask that you pay in full at the time of your visit.
Online Bill Payment Service
Save time for the things that matter most in your life. Pay your bill electronically with the Online Bill Payment Service. The service is free and your information is protected with encryption security. When you reach the end of the payment process, you will get a confirmation message confirming your actions.
Select the "Make Payment" button below to begin your transaction.
Select the "Payment Inquiry" button below to make a payment inquiry.
Mayfield accepts Care Credit Plus.
Pay your post-care balance online with the CareCredit credit card.
We proudly accept the CareCredit credit card to help you finance all of your healthcare needs. Now you can use Pay My Provider, a new online payment solution from CareCredit, to help pay outstanding balances quickly and securely. Click the link below to apply online, or to make a payment.
Questions about your bill?
Questions about your account?
Contact Mayfield's Patient Accounting Department at 513-569-5300 or 800-325-7787, for billing questions, or to speak with a financial coordinator.
Our entire staff is dedicated to giving you the best possible service. If you have suggestions about how we can better serve you or others -- or if we have not provided the level of service you expect -- please contact us.