SmartHealth PayCard helps orthopedists cut collections headaches and keep focus where it belongs – On the patient

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Scenarios like this unfold every day somewhere in America. A harried mother clocks out of work early to take her teenage son to get an MRI at a local orthopedist after he injured his knee in soccer practice.

The MRI has bad news: an ACL tear, meaning reconstructive surgery and six to eight months of grueling physical therapy. The road to recovery is daunting enough, but weighing immediately on mom’s mind are the MRI, surgery and PT costs not covered due to the deductible.

The billing specialist at the office has a new resource to help alleviate mom’s financial anxieties: The SmartHealth PayCard™, a new Mastercard® credit card designed for healthcare expenses.

With a hassle-free application that takes only a few minutes, mom can qualify for a revolving credit line of up to $30,000, get a card number she can use immediately to charge that MRI and have the flexibility to pay the cost over time. The card also provides added benefits such as a SmartHealthRx program that reduces the cost of prescriptions by up to 85 percent. Also included are $5,000 in Accident Medical Expense coverage, which can be tapped to help defray ER and surgical costs, and $5,000 in Accidental Death benefits.

More importantly, because millions of Americans are prone to delay treatment because of worries about cost, having SmartHealthPayCard means mom doesn’t have to choose between paying the mortgage and getting her son the treatment he needs when he needs it. It empowers her to make smart and informed choices on treatment options without worrying about insurance networks and restrictions and gives her a way around increasingly high deductibles.

The card also benefits her son’s orthopedist by enhancing both the patient experience and the bottom line. Unlike other healthcare financing solutions on the market, SmartHealth PayCard charges no fees to the provider while ensuring immediate payment to the provider.

Jeff Blankinship began working on SmartHealth PayCard in 2016 and launched it in 2019 as a financial solution for healthcare. He and wife Courtney Blankinship previously started and led healthcare IT solutions company SurgicalNotes for 22 years and had seen many clients struggling with debt collection. Today, bad medical debt affects more than 78 million Americans and has exceeded $50 billion in hospitals alone.

“SmartHealth PayCard gives people peace of mind, control over their healthcare decisions and flexibility to handle paying for services. For providers, it improves patient relationships by taking away unpleasant conversations about unpaid balances,” said Blankinship. “Because payment is received immediately, there are fewer accounts receivable, less reliance on costly collection services, fewer charge-offs – and more cash flow for your practice.”

With less time spent fielding patient questions about statements, addressing billing problems and making payment arrangements, the provider can focus its efforts where it belongs: on delivering quality care for the patient.

Providers interested in offering SmartHealth PayCard as a payment solution for their patients can learn more by visiting or calling 833.PAY.SMART.

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