Does the CareCredit card provide insurance or only a line of credit? I need to cover some medical expenses that are not covered with my insurance.

Answered on July 01, 2018
Updated on July 01, 2018
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
The CareCredit cards do not provide any insurance. They are medical credit cards that give access to a line of credit that can only be used at a limited number of providers. If your doctor accepts CareCredit, you may want to take a closer look at this card. However, note that medical cards come with a high go-to interest rates, and promo financing is rather tricky. The promo financing does not give you zero interest, it gives you a differed interest, meaning that if you are late with a single payment or unable to pay off the balance by the end of the promotional period, you will be charged interest back to the first date of your purchase. However, if your doctor accepts regular credit cards, you may want to put all expenses, that are not covered by insurance, to a regular credit card with 0% intro APR. You can choose the card with the introductory period that is less than a year or more than one year. Many of the credit cards with 0% intro APRs also allow to earn rewards. That means you may save on your medical expenses. We would recommend you comparing two options to see which is the best one for you.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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