Patient feedback on CarePayment is mixed. People like the 0.00% APR and no credit check; complaints focus on autopay and billing errors, hard-to-reach customer service and accounts opened without the patient expecting it. Provider organizations rate it highly in Black Book and KLAS surveys.
- Patients like the 0% APR and no credit check
- Complaints focus on billing errors and customer-service waits
- Autopay, saved confirmations and statement checks prevent most problems
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Ratings at a glance
Each source measures something different. App Store ratings come from members using the app (App Store). BestCompany ratings come from 23 patients, mostly people with a problem (BestCompany). Black Book and KLAS survey hospitals and finance staff, not patients (Black Book).
What patients like
- No interest on balances, ever, on initial charges
- Approval regardless of credit history
- Small monthly payments
- Smooth online payments for people who pay on time through the portal
Most common complaints
| Complaint | How to avoid it |
|---|---|
| Autopay changes or double charges | Check each statement; keep payment confirmations; report errors using the billing-rights notice |
| Fees despite paying on time | Pay a few days before the due date; keep proof; dispute in writing |
| Hard to reach customer service | Call early in the day (CT) or send a secure message from the portal |
| Account opened unexpectedly | Ask your provider how billing works; you can cancel any time |
| Confusing statements | Ask your provider for an itemized bill for the original charges |
What providers say
Provider comments collected by KLAS are mostly positive about implementation, communication and service. Some providers say the program is expensive for them, and a few say they wouldn't buy it again (KLAS). Since the provider pays, cost doesn't affect your 0.00% APR, but it can affect whether your hospital keeps offering it.
Bottom line
For a patient, the deal itself is hard to beat: 0.00% APR, no credit check and nothing reported to the bureaus. Most problems people describe are about administration rather than cost. Use autopay, keep confirmations and check statements, and you avoid nearly all of them.
Frequently asked questions
Why are CarePayment's ratings so different between sites?
They survey different people. App ratings come from active app users, BestCompany from a small group of mostly unhappy patients, and Black Book and KLAS from hospital finance staff.
Where can I file a complaint about CarePayment?
Start with CarePayment Customer Care at 866-625-8532 or a secure portal message. For billing errors, follow the notice on your statement. You can also contact the CFPB.