AccessOne Logo


star star star_border star_border star_border
LAST UPDATED: September 16th, 2023

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


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.


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 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.


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


star star star_border star_border star_border

26 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star_border star_border star_border


star star_half star_border star_border star_border


star star_half star_border star_border star_border


star star_half star_border star_border star_border

Filter by:


Sort by:

star star star_border star_border star_border

Molly Ragdollfan Clemmons, NC

I had no problems with my first payments, then all of a sudden my credit/debit card didn't go through due to "zip code problems". One rep let it slip that other accounts had the same issues. They blamed this on my credit card but I am unable to get live customer service from that end. I have no issue paying anything else. Food, bills, my rent. Now my bill will be reverted back to the hospital because we're out of time to fix an issue that is obviously their problem, not mine. I am not a happy customer.

10 months ago