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Writer's pictureHeather Orchard

CareCredit - Credit for Your Healthcare Related Needs

Updated: Feb 12, 2022

This past August 2021 I decided to get Lasik eye surgery done. Insurance doesn’t cover this

type of surgery, so I needed to find a way to be able to fund this procedure. My eyesight was getting so bad that I absolutely could not drive at night. Any bright lights or glares would impair my driving. My astigmatism was getting so bad that my depth of perception was incredibly off. I have worn glasses for the past 12 years, but my vision continually kept getting worse over the past few years.


I found out about CareCredit after my initial Lasik appointment. I got my Lasik eye surgery done at LasikPlus, in Boise, Idaho. When I was scheduling the date and time of my Lasik procedure, I was asked about how I would make payments. I asked if they had a 12 month payment plan, and that’s when they told me about the option of applying for CareCredit. I had never heard of it before, but it is a great program to be able to make monthly payments with 0 interest fees if paid in full within 6 or 12 months. CareCredit is different from a regular credit card. It can be used to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available.


With CareCredit you’re able to pay for health and wellness care at over $250,000 enrolled providers across the nation. Once you’ve applied, you can use it at any location that accepts CareCredit.


How CareCredit Works


CareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it, again and again,* to help manage health, wellness and beauty costs not covered by insurance.


Healthcare financing with CareCredit


Whether you use your healthcare credit card to cover your deductible or to pay for treatments and procedures not covered by insurance*, CareCredit helps make the health, wellness, and beauty treatments and procedures you want possible today.


  • See if you prequalify with no impact on your credit score

  • Promotional financing available*

  • Accepted at over 250k locations

  • No annual fee

Apply by phone


Call CareCredit at (800) 677-0718. Please print out and read our Credit Card Account Agreement before you call.


Must reside in the US and be 18+ to apply online or 21+ to apply by phone. Canadian residents may also apply, but only in person at a provider’s location in the U.S.


*Subject to credit approval. Minimum monthly payments required. Not all promotional financing options are available at all enrolled providers.


*For new accounts: Purchase APR (interest rate) is 26.99%; Minimum Interest Charge is $2. Existing cardholders: See credit card agreement terms.


Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all rental locations that accept CareCredit and standard account terms will apply to such purchases.


No Interest if Paid in Full within 6 or 12 Months* On qualifying purchases of $200 or more made with your CareCredit credit card account at enrolled provider locations and select retailers in the CareCredit Network. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required. Required monthly payments may or may not pay off purchases before the end of the promotional period.


*No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. Regular account terms apply to non-promo purchases and, after the promo period ends, to the remaining promo balance. For new accounts: Purchase APR (interest rate) is 26.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Not all promotional financing options are available at all enrolled providers. Ask yours for details. Promotional financing options are not available at all retail locations that accept CareCredit and standard account terms will apply to such purchases.


Discover more ways we make care possible


With the CareCredit credit card, you can get the health and wellness treatments you want and need today, for you, your family, and your pets.*


CareCredit is simple, manageable and easy to use! You and your family will love it for so many reasons that you can use it for.


I have even started using it for my chiropractic appointments and will start using it for more medical costs.


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