AccessOne

• Interest-Free Plans
• Not a Credit Card
• Use Your HSA to Pay
• KLAS 2020 Category Leader

Interest-Free Plans

AccessOne offers 0% and low-interest payment plans (and you choose which one you want).

There are no minimum or maximum balances with any of AccessOne's plans. The low-interest plan gives the patient a much lower monthly payment. In fact, many patients choose low-interest plans to give them more flexibility and fit their healthcare bills with the rest of their bills.

Also, patients can start out in the 0% program and then if at some point “life gets in the way”, they can then opt into the low-interest program to get that lower monthly payment. 

Not a Credit Card

The Access One Card is not a credit card. In fact, all patients are accepted into the program (regardless of your credit score). 

Signing up for the AccessOne Card is simple; all patients need a statement from their medical provider that shows the account numbers, balance, and facility information. 

Once an AccessOne account is created and activated, patients will receive their card. The card will have an account number, the medical provider's name, and AccessOne's contact information. Depending on the medical provider, patients can then add new balances by contacting AccessOne with the new provider account numbers or by calling (the new provider) and requesting they send your new balance to your AccessOne account. 

Use Your HSA to Pay

Patients can use an HSA card to pay off their balance. 

KLAS 2020 Category Leader

AccessOne was ranked number one and awarded the Category Leader for Patient Financing in the 2020 Best in KLAS Report. 

2020's Best in KLAS report scores are based on patient feedback across six categories: culture, loyalty, operations, product, relationship, and value.

• No Grace Period
• Possible Fees
• Consumer Reviews

No Grace Period

AccessOne's plans remain interest-free, as long as you make your monthly payment on time. However, if a payment is received late or is less than the monthly payment, you will be switched to an interest-bearing account until the balance is paid in full. 

Possible Fees

While AccessOne does not believe in hidden fees, there are a few possible fees if patients are late on a payment or their payment is returned. 

• Late Payment Fee — 4% of the late payment (not to exceed $10)
• Returned Payment Fee — $20 per returned payment

Consumer Reviews

The majority of reviews left on BestCompany.com reveal that consumers are frustrated with AccessOne. Several reviews mention issues with the company's auto-pay, costly fees and interest charges, and sub-par customer service.