What are the benefits of a Citi Health Card?


Quick Answer

Patients who have a Citi Health Card can pay for costly medical procedures with participating practitioners using the service and defer interest payments through plans for up to 48 months, according to Henry Schein Dental. Paying for procedures not covered by medical policies and insurance deductibles are other features that make the card attractive to clients.

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Full Answer

Unlike traditional credit cards, the Citi Health Card use is limited to medical payments with participating practices. Citi Bank partners with offices nationwide and its online resources include a provider search form giving clients a list of eligible doctors and clinics in an area, according to citicards.com.

After agreeing on a payment plan, patients must meet a minimum payment each month for the duration of the contract. If consistently paid on time, interest charges don’t apply to the loan. The card works best for those who know they can meet the monthly payments and benefit from the structure of a payment plan, as reported by U.S. News. The same report states that doctors benefit from the Citi Health Card as their offices receive the entire payment upfront for treatment, and processing for recurring treatments normally takes a few business days, if not cleared immediately.

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