1. How do I apply for a MyCareSmartPay account?
Answer 1: For an instant response, you can apply online at
www.MyCareSmartPay.com. You can also apply by telephone by calling us at
(844) 202-8100, or mail your paper application to
P.O.Box 6230, Clearwater
Fl. 33758.
2. How can I check on the status of my MyCareSmartPay account application?
Answer 2: An instant response will be provided to all applicants
who apply for a MyCareSmartPay account online. If you are applying by telephone, a response
will be provided to you by one of our Credit Analyst after the application has been
processed. Please allow 7 to 10 business days for all applications received by mail.
All determination results are mailed to applicants. However, you can contact MyCareSmartPay
at (844) 202-8100 at any time to obtain an update on the status
of your application.
3. My application is in Pending status. How do I get my application approved?
Answer 3:
- If you are an applicant under 21 years of age, MyCareSmartPay cannot extend you immediate
credit until additional information is provided :
- Permission to contact your employer
- A copy of at least your last 2 Check Stub
- If you are an applicant who is self-employed, a copy of your the latest tax return
is required.
4. What is the MyCareSmartPay account interest rate (APR)?
Answer 4: MyCareSmartPay provides a
0% Intro
APR for the first 180 days after each transaction that is added to
your account. After that,
a low annual APR per year on any amount that remains
unpaid after each transaction’s initial 180-day period. Select your provider on the
Participating Provider page for further details.
5. Does the Account have an annual membership fee?
Answer 5: Yes, the annual membership fee is $25.00.
6. How is my MyCareSmartPay credit limit determined?
Answer 6: Your MyCareSmartPay credit limit is based upon your report
of your current household income, the source of that income compared to the Federal
Poverty Guidelines. The maximum credit limit allowable is $25,000.
7. When can I expect to receive my MyCareSmartPay Welcome Packet?
Answer 7: If approved, you will receive your MyCareSmartPay
account
and Welcome Packet within 7 to 10 business days.
8. Where can I use the MyCareSmartPay account?
Answer 8:
The MyCareSmartPay account is a limited-use card and can only be used with Healthcare Providers who have agreed to accept the
MyCareSmartPay account.
The MyCareSmartPay accountcannot be used to pay medical debt to any collection agency, even if the debt was originally owed for a service from a Healthcare Provider who has agreed to accept the
MyCareSmartPay account.
Each Healthcare Provider has the option at its sole discretion not to accept the membership
account as a method of payment for initial amounts due at the time of service.
9. What should I do if my MyCareSmartPay account is fraudulently
used?
Answer 9: If you suspect that your MyCareSmartPay account has
been fraudulently used, please contact one of our Credit Analysts immediately at (844) 202-8100. At that time, your recent account transactions will be reviewed and any charge disputes initiated. A new MyCareSmartPay program number will be issued in the event of theft or fraud.
10. If I choose not to utilize my MyCareSmartPay account for a period and carry no
outstanding balance, will my account be closed?
Answer 10: If your Account is paid in full with a zero balance
and you would like to close your Account, you must contact us in writing or by telephone.
Otherwise, even if the Account is not being used, it will remain open and the Annual
Membership Fee will be charged every year on the anniversary date of opening your
Account.
11. How can I reach a MyCareSmartPay representative?
Answer 11: A MyCareSmartPay Analyst can be reached at (844) 202-8100,
Monday through Friday, from 8:00 a.m. to 5:00 p.m. eastern time.
1. What if my MyCareSmartPay approved credit limit is less than my medical bills?
Answer 1: You can request a review of your credit limit by contacting a MyCareSmartPay Analyst at (844) 202-8100.
2. What should I do if I do not receive my MyCareSmartPay Billing Statement in the mail?
Answer 2: Contact a MyCareSmartPay Analyst immediately at (844) 202-8100, to confirm your current address information.
You can always view a copy of your current Billing Statement, as well as your overall Billing Statement history, on the MyCareSmartPay web page.
1. How can I add new charges to my MyCareSmartPay
account?
Answer 1: You can add new charges online by visiting our website
www.MyCareSmartPay.com, you can also call us at
(844) 202-8100
or visit the facility where the service was provided. Please have the following information ready:
- Service Facility Name
- Patient Account Number
- Service Date
- Billing Amount
2. Does MyCareSmartPay charge a fee if I exceed my credit limit?
Answer 2: MyCareSmartPay will not charge a fee for over-the-limit balances.
All fees associated with your MyCareSmartPay account are outlined in your
MyCareSmartPay
Accountholder Agreement.
4. Why did MyCareSmartPay deny some of my medical billing charges?
Answer 4: If some of your medical billing charges were denied by MyCareSmartPay, please contact a Credit Analyst at (844) 202-8100.
5. Can I dispute a charge if I think my Billing Statement is incorrect?
Answer 5: Yes, but we must hear from you no later than 60 days after we sent you the first Billing Statement in which the error or problem appeared.
Do not write on the Billing Statement. Please write a separate letter including,
(you may telephone your inquiry but by doing so, you will not preserve your rights under The Federal truth in Lending act) the following information:
- Account Information — Your MyCareSmartPay card number and your name as it appears on your card.
- Transaction Code: Listed on your Billing Statement
- Charge Amount — The amount of the charge that you believe is a discrepancy.
- Description of Discrepancy — Describe why you believe the charge you are challenging is a discrepancy.
1. What are my payment options with the MyCareSmartPay
account?
Answer 1: MyCareSmartPay accepts check, debit card, wire transfer, or money order payments, cash payments are also accepted, but are not recommended.
Payments are to be made by the Payment Due Date specified on your monthly Billing Statement, and can be initiated either online at
www.MyCareSmartPay.com,
by telephone with one of our Analysts at no additional charge at
(844) 202-8100, or you can mail your payment to
P.O.Box
162247, Atlanta, GA. 30321-2247.
No credit cards please!
2. How is interest accrued on my account balance?
Answer 2: Please refer to
MyCareSmartPay
Accountholder Agreement for an explanation on how interest is accrued on your account balance.
3. How does MyCareSmartPay calculate my monthly minimum payment?
Answer 3: Please refer to
MyCareSmartPay
Accountholder Agreement for an explanation on how your minimum payment is calculated.
4. What is MyCareSmartPay's late payment policy?
Answer 4: Late payments will be subject to a fee as outlined in your
MyCareSmartPay
Accountholder Agreement.
5. Can I make a payment on my MyCareSmartPay account at a medical provider’s office?
Answer 5: No. All payments need to be sent to MyCareSmartPay. See back of your monthly Billing Statement for instructions on how to submit your payment.
6. How can I reach a MyCareSmartPay representative to discuss other account charges or payment issues?
Answer 6: A MyCareSmartPay Analyst can be reached at (844) 202-8100, Monday through Friday, from 8:30 a.m. to 5:00 p.m. eastern time.
1. How can I register for online account access?
Answer 1: By visiting the MyCareSmartPay.com website, existing
accountholders can register for online account access. To register the accountholder will need the following information:
- MyCareSmartPay program number
- Accountholder First and Last name
- Date of birth
- Social Ssecurity Number
- Email address
2. Can I manage my MyCareSmartPay account online?
Answer 2: Yes, once you have completed the registration process you can access your account online. From the website, you will be able to:
- Add new medical charges by patient account number
- Manage your account online
- Pay your bill online
- Print Billing Statements
- View a summary of account activity
- Add an authorized user
3. Can I use my bank account information to pay my MyCareSmartPay Billing Statement?
Answer 3: Yes, we accept online payments from either your bank institution (wire transfer) or through your debit card. MyCareSmartPay does not accept major credit cards.
4. Can I change personal information, such as my address, telephone number and e-mail address, on my account through the MyCareSmartPay web page?
Answer 4: Yes, however, you will need to register your account on the MyCareSmartPay web page first.