Insider Update

Delta Dental recognizes that members' financial wellness is a critical component of their overall well-being. To help offset the cost of health care, employers can offer their team members access to the Healthcare Spending Card right away. They can promote the connection between financial well-being and overall health and ensure their employees aren’t delaying the dental or other health care services they need.

Your clients can make benefits packages more appealing by including the Healthcare Spending Card as part of their offerings. Implementation is easy and can be rolled out at any time throughout the year.
 

What’s the Healthcare Spending Card?

The Healthcare Spending Card can be a more convenient and accessible way for employees to pay for the qualified dental and other health care services they need:
 

• It gives your clients’ employees access to a line of credit* for qualified dental and other health care expenses. No credit checks are required.
• It allows employees to split qualified dental bills into smaller repayments over 12 months with no fees.²
• It lets employees cover qualified non-dental health care expenses with convenient repayment options over time.
• It enables employees to link their health savings account (HSA) and repay a smarter way using pre-tax dollars.
   

* Subject to credit line approval
 

Dental care is health care

It's widely recognized that there's a vital connection between oral health and overall health. Despite the existence of dental insurance, many people still don’t get treatment and prevention due to financial concerns. The Healthcare Spending Card can help break down financial barriers to care. 

We’ve worked with Lane Health to offer our enrollees a unique set of financing features. Members pay zero fees² over the 12-month repayment period on each qualified dental expense financed. This is not a promotional rate, thanks to Delta Dental’s exclusive partnership with Lane Health. They apply as long as the employee is covered through a group Delta Dental policy.

¹ Lane Health is a financial technology company, not a bank. The Healthcare Spending Card is issued by Lead Bank pursuant to a license from Visa USA Inc.

² Lane Health does not charge interest on, or an annual fee for, the Healthcare Spending Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) or fees ($0 fees). Each Advance can be repaid in full, four-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified hospital or dental expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over four installments with no origination or periodic finance fees. Late fees apply. You can review the fee table at https://lanehealth.com/hsc-lb-dd-fees.