For Patients

Patient FAQs

Frequently Asked Questions

CarePayment is a line of credit that allows you to pay off the balance you owe to your healthcare provider in manageable monthly payments - at 0.00% APR.

At CarePayment, we believe that your health and well-being should always come first. That's why we offer a financing option that work for all patients, regardless of your financial situation.

CarePayment is not a credit card and does not impact your credit score. With affordable lines of credit at zero interest (0.00% APR), we're committed to helping you get the care you need, no matter what.

CarePayment is not a credit card. The program is an open-end line of credit sponsored by your hospital or healthcare provider that helps you pay your outstanding balance due after insurance has paid their portion.

CarePayment Accounts are issued by Republic Bank & Trust Company, Member FDIC-insured, Kentucky state-chartered bank.

There are many convenient ways to make your monthly payments to CarePayment:

  • Automatic recurring payments from your checking account
  • Online
  • Over the phone
  • Text to Pay
  • By mail with a check or money order
  • Mobile App

Nope! Participation in the CarePayment program is voluntary, without an application or impact to your credit. If you don’t want to use the CarePayment program to pay your balance due, you are able to cancel it at any time and the balance will be returned to the healthcare provider. Please note that your healthcare provider may require you to pay your balance in full.

To activate your account simply make your first payment to CarePayment either by mail, phone, online, or by making a payment directly at your provider.

Yes, really! The 0.00% APR (annual percentage rate) is NOT an introductory or promotional rate. Since the CarePayment program is sponsored by your healthcare provider, you will pay zero interest on your initial charges for the entire time you are making payments on your initial charges. CarePayment currently offers 0.00% APR for any additional charges added to your account.

If you didn’t realize you had a balance due for medical services, or if you have questions about the balance, contact your healthcare provider or our Customer Care Team at 866.625.8532.

If you believe you have identified an error on your statement, please refer to the back of your statement for information on your billing rights and instructions for how to notify us of the error.

You can contact Customer Care at 866.625.8532 during these times:

Monday to Friday: 7:00 AM – 7:00 PM (CT)