AccessOne Logo

AccessOne

star star_half star_border star_border star_border
16 User Reviews

AccessOne is a leading provider of patient payment options designed to help patients manage their healthcare costs. The company's payment plans are designed to help patients get the medical care they need when they need it.

AccessOne partners with hospitals to offer 0 percent interest and flexible, low-interest patient loans tailored to your health and financial situation. 

AccessOne's customized payment options offer the following benefits:

  • No credit reporting
  • All patients qualify
  • Convenient payment methods: online, phone, check, and autopay
  • Consolidated statements for other outstanding accounts and multiple family members

Top Ranked Companies

Denefits Logo
Denefits chevron_right
1.6
star star_border star_border star_border star_border
(22)
Wells Fargo Health Advantage Logo
Wells Fargo Health Advantage chevron_right
1.0
star star_border star_border star_border star_border
(2)
thumb_up

The Good

  • 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.

thumb_down

The Bad

  • 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.

gavel

The Bottom Line

AccessOne aims to help patients by offering flexible, convenient, and affordable financing solutions. The company boasts helping over one million consumers afford out-of-pocket medical expenses and having one of the industry's most comprehensive platforms. Everyone is accepted into AccessOne's program regardless of their credit score and the company does not credit report patient activity.

However, we recommend that consumers take their time before choosing AccessOne as their payment provider, as others have found themselves frustrated with the company's customer service, late payment policies, and autopay. If you work with AccessOne, we highly suggest setting up alerts (you can choose from email or text). This way, you're less likely to forget your monthly payment and you can avoid having to pay interest. 

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

1.5

star star_half star_border star_border star_border

16 Reviews

Review Breakdown

5 grade

0%

4 grade

6%

3 grade

13%

2 grade

0%

1 grade

81%

Sentiment Criteria

Value

star star_half star_border star_border star_border

Quality

star star_half star_border star_border star_border

Service

star star_half star_border star_border star_border

Trustworthiness

star star_half star_border star_border star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star_border star_border star_border star_border

SJ Norcross, GA

I would give zero if I could. I was double charged and when I asked them to return the extra money they took they said it would take 5-8 days. Over a month later still nothing. I Called again for them to keep the payment for the current months payment. They agreed to do so and said my account will show this reflection by the end of the day. Weeks later and still nothing. And I still owe which shouldn’t be. Not only did they steal money out of my account but they refuse to fix their issue.

2 months ago

AccessOne Logo

Reply from AccessOne

We are sorry to hear about your experience, we have sent you a separate message so that we can resolve this for you.

Feb. 25th, 2021

star star star star star_border

K. Parker Charlotte, NC

Contrary to previous reviews, AccessOne is NOT a credit card. They do NOT run credit or report to credit. There is no fixed interest rate- it is based on the prime rate, which is subject to change. If you default on your payment, you ARE offered to be reset as a one-time courtesy within a specific timeframe. Having a company offer longer payments than the 3 months the provider offers is life changing for me! I will absolutely recommend them in the future!

2 years ago

AccessOne Logo

Reply from AccessOne

Thank you for your review. You are correct that we are not a credit card. All patients qualify for our payment plans and we do not credit report. We offer both 0% interest and low interest payment plans based on what the patient chooses. We are happy that you have had a good experience with our program!

Oct. 6th, 2020

star star star star_border star_border

RICHARD DEAS Vero Beach, FL

I signed up for interest free as long as my payments were made on time. I set up auto payments with my bank for 4 times the minimum payment required. One payment was a couple days late and even though I was paying 4 times the required monthly amount, they started charging interest and the zero interest went out the door. Not even one time was reconsidered. I think they should have given a one time grace, especially since I was way ahead on my payments. Not good. I would not recommend. Just get yourself a credit card.

2 years ago

AccessOne Logo

Reply from AccessOne

Hi Richard - we do offer a one-time grace in a circumstance like you have described. We apologize for just seeing this review. We'd still like to hear from you so we can better understand what happened with your account. Please call (888) 458-6272 so we can assist. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Cliff Anderson Shelby, NC

When COVID-19 affected my income and I then tried to negotiate at first a lump sum resolution and then a forbearance, the only option ever offered was the "one time account reset" that one would request after letting the payments stop for ANY reason and the account lapse ( and if you are seemingly deemed worthy by them for mercy, and with no explanation of what additional fees would be incurred). Calling and speaking with a representative (after having to request a telephone number they don't seem eager to make easily available) was an experience best described as "circular", yielding no help what so ever. They remain as of this writing COMPLETELY unprepared for suspension of payments on an interest free basis and appear to not be particularly interested in improving this response. Also they seem to respond to Better Business Bureau complaints by "dumping" the customer by returning the account to the service provider for resolution, as even a brief review of the complaints filed on the BBB Website seem to show. Only gave them one star because it was not possible to rate them lower.

1 year ago

AccessOne Logo

Reply from AccessOne

Hi Cliff - we provide 0% interest payment plans for patients who had services at providers we are contracted with. Since we are offering payment plans on behalf of the health system, we are not in a position to negotiate lump sum resolutions or forbearance, this would be something you would need to speak about to the health system where you received services. We have worked with our payment plan account holders during the pandemic to help them with late payments due to job or income loss. We are not a collection agency, so we do not credit report or aggressively collect balances due. If a patient defaults on their loan, the balance is returned to the health system where you received services who could help you further with your balance due. If you have further questions, we would be glad to assist. Our Patient Advocate Center phone number is (888) 458-6272. You can also find our phone number on your monthly statement, in your online patient portal account, or on any correspondence you receive from us. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Patrick V Delray Beach, FL

Crooks! They hit me with $400 in fees and interest charges. By law medical bills are not allowed incur interest. No one tells you this either. They also do not allow you to be on autopay until you incur a fee. When i set up the account they would not let me be on autopay. Then i was a few days late on a payment (which is $398.97 every month!), just a few days late and they hit me with all the interest of a 9k bill and fees! Every other medical co. i pay is like no problem, your only human and you did just get into a terrible accident. Now, after i get stuck in this huge interest ordeal they say i can be on autopay. WTH!?! Such a scam. Way to treat an injured person. I've paid everymonth and the bills even say "you paid on time" in bold. However, because i was a few days late on one payment i get $80 plus interest plus fees now on every bill for the next 9 months. TOTAL CROOKS. They are breaking the law and should be shut down.

1 year ago

AccessOne Logo

Reply from AccessOne

Hi Patrick - we apologize for just seeing this review. We would like to learn more about your experience, please call us at (888) 458-6272 so we can go over your account with you. We allow auto-pay from day one and we prefer/encourage the use of auto-pay since this prevents accidental late payments. When patients enter into our payment plan, they have a choice of a 0% interest program or a low interest program that has lower monthly payments. We also work with patients who accidently pay late to keep them within our 0% interest program. We are a patient friendly company and works hard to provide patients with affordable payment plans that everyone qualifies for and we do not credit report. We do not have any hidden fees, and if you were charged our late fee because of an accidental late payment, we work with patients on that fee. Please call us so we can give you additional information on how our program works. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Maribeth Hendersonville, NC

UNC Healthcare is nothing but a greedy, money hungry system. They use AccessOne for their “payment plans” but you don’t get to choose your amount that you can pay per month . . it is selected FOR you based on your balance. Mine personally is 5K because I have the worst imaginable insurance thru my employer (my only option is a $6500 deductible). It’s not even remotely affordable for someone living paycheck to paycheck, not to mention I’m required to pay out of pocket just to have the health coverage!! My net pay for the year is just slightly over $20k, so that 5k is just not happening after I pay rent, insurance, utilities, etc. No one can offer me any options other than this stupid Access One payment plan - and again, it’s unaffordable!!

1 year ago

AccessOne Logo

Reply from AccessOne

Hi Maribeth - we are sorry you were unable to find a payment plan that was suitable to you. We offer 0% interest payment plans, as well as low interest options with lower monthly payments. All patients qualify for our program and we do not credit report. If you have further questions or would like to speak to someone further about our options, please call our Patient Advocate Center at (888) 458-6272. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Robin M Milcowitz Tampa, FL

I'm pretty sure they no longer answer the phone. I waited 17 minutes for someone to pick up my call the first time around. Now, I just leave a message and wait 15 minutes for someone to call me back. I've spoken with two customer service reps who gave me incorrect information. One customer service rep hung up on me when I asked to speak to a manager. I am in the middle of activating an account that was transferred from Moffitt Cancer Center. The amount I owe is probably quite small compared to what a long-term cancer patient is probably facing, but, it is larger than $300–which is now Moffitt's maximum amount they are willing to keep–and enough that I need to make payments. With that in mind, I am completely outraged that my account that used to be interest-free, in good standing and in existence for over a year has suddenly been turned into a "prime rate +6%" account. (That is similar to a late-payment standing credit card, even though it is NOT a credit card.) My 3 year payment plan is no longer an option because of this interest rate. In order to get a 0% option, I have to pay the total amount in 15 months even though their introduction letter says I can take up to 24 months. Does that seem like they are "compassionate" or "affordable" in their financing for patients? Why do we patients–who have many excessively high bills to pay–constantly get monetarily punished in order for every single person involved in the medical industry to make obscene amounts of money? People go bankrupt, lose their retirement and savings or just live check to check (like me) because of healthcare costs. Cancer is one of those diseases that comes with an excessively high price tag and now I see why: everyone involved is complicit. What this predatory "lender" (industry) is doing is disgusting and very much like the MOB. No one should have to keep paying off dozens of people to try to live pain free or to stay alive. No one. I have been waiting for 3 days for a "manager" at AccessOne to return my call and tell me what my monthly interest rate will be. I have left 2 messages. I refuse to activate my account until I get an answer. Tomorrow my unactivated account goes to collections. And whose fault will that be? Stop the medical industry's shakedown: Medicare for all!

2 years ago

AccessOne Logo

Reply from AccessOne

Hi Robin - we apologize for just seeing this review and for the long hold times you experienced in calling us, which is not the normal experience. When we take over an existing payment plan from a healthcare provider, we honor the same terms you were paying with that provider. If you add additional charges to an AccessOne account, we then offer both 0% interest payment plans and a low interest payment plan that provides lower monthly payments. The amount of payments you make is based off of your total balance, and patients choose whether they prefer a 0% or low interest plan. Our mission is to help patients with affordable payment plans, all patients qualify for our payment plans, and we do not credit report if a patient makes a late payment or defaults. Since we are not a collection agency, we do not aggressively try to collect on balances due. We offer payment plans on behalf of the provider, if a patient chooses not to use one of our payment plans, that balance remains with the provider you received services at. We would be happy to further assist you, please call into our Patient Advocate Center at (888) 458-6272 if you have any more questions regarding how our program works. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

David D Harrisburg, NC

I have requested a credit card from them 3 times now. After the first time I received an email stating I would receive additional information shortly. After the second time, I was told I already have an account and to give it time to activate. Now, I have tried a third time (it's been two months since the first attempt) with the same response. The hospital has said that I am going to go into collection in two weeks unless the entire balance is paid off. At this point since the hospital only partners with this company and I can't even come close to being able to pay off the entire bill, it looks like my credit is about to take a hit.

2 years ago

AccessOne Logo

Reply from AccessOne

Hi David - sorry for your experience. We are not a credit card, all patients qualify for our payment plans and we do not credit report. Sorry we are just seeing this review, but if you would like additional information please call our Patient Advocate Center at (888) 458-6272.

Oct. 6th, 2020

star star star star_border star_border

Stephanie Tucker West Columbia, SC

I am thankful for this program, however, my interest rate continues to increase every couple of months. It started at the 9.25 % rate but now I am paying 10.75%. Why does my interest rate keep going up when I am making my payments on time and paying more than the minimum payment due? Not cool.

3 years ago

AccessOne Logo

Reply from AccessOne

Hi Stephanie - sorry for just seeing your review. We offer two different options for patients, a 0% interest payment plan and a low interest payment plan that provides lower monthly payments. Since you are in a low interest program, that interest rate can change based on current Prime rates - so that could go up but it could also go down. If you have any further questions, please call our Patient Advocate Center at (888) 458-6272 and we'd be happy to provide more information on how your account works. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Choquita Charlotte, NC

This is by far the worst payment arrangement I have ever had or have been offered for a MEDICAL PROCEDURE. The interest and the monthly payment amounts are asinine! You would think it was a leisure purchase if you read the terms of the agreement. I am better off transferring my balance to a credit card promotional offer. Pretty sad that these companies can do this.

1 year ago

AccessOne Logo

Reply from AccessOne

Hi Choquita - we offer patient friendly 0% interest payment plans that all patients qualify for no matter their credit history. We also do not credit report. We are sorry you were not able to find a monthly payment that worked for you. You can call our Patient Advocate Center at (888) 458-6272 to see how we can further help or to get more information about options available. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Carolyn Thiry Mukwonago, WI

BEWARE, READ FINE PRINT BEFORE YOU SIGN. I SPOKE DIRECTLY TO A SALES REP REGARDING OBTAINING MEDICAL BENEFITS FOR MY SON. THE SALES REPRESENTATIVE TOLD ME THAT I HAD 30 DAYS TO DECIDE IF I WANTED TO CONTINUE WITH THE PROGRAM. WITHIN IN 7 DAYS I DECIDED, THE PROGRAM DID NOT SUIT THE ECONOMIC NEEDS FOR ME, AND I CANCELLED. WHAT I DID NOT KNOW WAS THAT MY CREDIT CARD GOING TO BE IMMEDIATELY CHARGED FOR THE FIRST MONTH PLUS $50 ONE-TIME ENROLLMENT. I SHOULD HAVE READ THE SMALL PRINT.

1 year ago

AccessOne Logo

Reply from AccessOne

Hi Carolyn - it sounds like you were working with a different AccessOne (there are multiple AccessOne's in the US). We do not have sales representatives that work with consumers, we don't provide medical benefits, we do not charge credit cards and we do not have monthly or one-time enrollment fees. We'd be glad to give you more information about our payment plans if you call our Patient Advocate Center at (888) 458-6272. We offer monthly payment plans to patients who received services at a participating health system. Thank you.

Oct. 6th, 2020

star star_border star_border star_border star_border

unhappyinidaho Emmett, ID

I have set up auto pay multiple times. I have watched it fail after making one payment. I have contacted this company over and over with ZERO customer service. I believe this is their way to scam people into paying them interest when they "default" on their plan. Well, I didn't default, THEY DID, and you can bet your bippy if they try to charge me anything I will be consulting an attorney. I am also going to report them to the BBB and to the medical facility that I am "paying" thru their company to advise them of their business practices.

2 years ago

AccessOne Logo

Reply from AccessOne

We are sorry to hear about your experience! At AccessOne, we strive to provide exceptional customer service, and we regret that we didn’t live up to those expectations here. We understand that the issue has been resolved, but should you have additional feedback, we would love to hear from you. Please contact us at , or visit our patient portal to take advantage of our secure email system. Thank you!

Apr. 2nd, 2019

star star_border star_border star_border star_border

Eleesa Columbia, SC

Terrible customer service. Wait on hold for over ten minutes every time just to be told “I can’t help you with that, I’ll have to have someone call you back.” Staff gets louder to speak above customer and will not listen. Do not EVER make a single error with payment (or bother to fix it) because they will screw you and you will be charged a $20 fee no matter what happened. Manager states they have ability to reverse a fee if a staff member makes an error, but if the customer makes a one time human error, you are stuck with the fee, no matter if you fixed it and still made the payment on time.

2 years ago

AccessOne Logo

Reply from AccessOne

Hi Eleesa - please call into our Patient Advocate Center at (888) 458-6272 so we can review your account and see how we can help you. We apologize that you did not have a good experience with who you spoke to.

Oct. 6th, 2020

star star_border star_border star_border star_border

Ray Seward Central, SC

Do not use this company. It's a scam. They tell you no interest for a year. Got my first bill and it's $18.75 interest charge. I have a credit card with Well Fargo for 22 months with no interest. If I knew that I would have use it instead of AccessOne. They are liars.

1 year ago

AccessOne Logo

Reply from AccessOne

Hi Ray - we offer both 0% interest payment plans, and low interest payment plans with lower monthly payments. Patients choose which program they prefer based on their needs. All patients qualify for our program and we do not credit report. If there was a mistake, or if you need more information, please call our Patient Advocate Center at (888) 458-6272 so we can further assist you.

Oct. 6th, 2020

star star_border star_border star_border star_border

Patient Charlotte, NC

The monthly payments are intetionally made too high so they can charge interest and make money from people. It is not a way to help people pay off their unfortunate and unplanned for medical bill. They should find out what a patient can afford and accept that minimum payment, if they are realy not trying to make money from people.

1 year ago

AccessOne Logo

Reply from AccessOne

Hi - we offer both 0% interest payment plans as well as low interest payment plans with a lower minimum payment based on what the patient chooses. All patients qualify for our solution and there is no credit reporting. Please call our Patient Advocate Center at (888) 458-6272 if we can be of further assistance.

Oct. 6th, 2020

star star_border star_border star_border star_border

Danny B Garner, NC

Their website is horrible. Today I lost 20 MINUTES trying to log in.

1 year ago

AccessOne Logo

Reply from AccessOne

Sorry to hear you had issues with our website. We are unable to list a full url in this reply but please make sure you are going to myaccessone where you can self-service your account. Our patient portal is mobile optimized, and you can make one time payments or set up auto-pay, view statements and account history, sign up for email and text alerts, and more. If you are still have issues with our website, please call our Patient Advocate Center at (888) 458-6272. Thank you and we apologize for any inconvenience.

Oct. 6th, 2020

We're on a mission to empower consumers to make the best decisions and connect confidently with companies that deserve their business.

© 2021 BestCompany.com LLC - All rights reserved Privacy Policy | Terms | Do Not Sell My Personal Information