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Intro to Citi Health Card

You’ve likely heard of Citi, or Citigroup, which owns and operates Citibank and offers services in investing, lending, banking, and other monetary needs. What started in 1812 as the City Bank of New York has expanded dynamically into this well-known global company. Its services are available in 160 countries and to more than 200 million customers.

While Citigroup as a whole has a 200-year history, the company has been involved with healthcare financing for over 16 years alone. Their primary product for this is the Citi Health Card. 

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The Good

  • Time in business
  • Flexibility
  • Features

Time in Business

Citigroup has a well-established reputation and literally centuries of experience. Since the company was initiated in the early 1800s, it has had plenty of time to develop into a global company and to benefit from the expertise of its workers throughout the years. Citi is a well-known brand and, as a bank, offers a variety of services. In many ways, this makes them a trusted partner for your healthcare financial needs.

Even though Citigroup hasn't offered the Citi Health Card for all the time it has been in business, this has still been an available option for well over a decade. In other words, the Citi Health Card is no longer a new, untested product. It has been provided for over 16 years.


One of the best things about the Citi Health Card is flexibility. As a patient, you can use this card in a variety of industries-orthodontia, vision treatments, even veterinary procedures-as long as your treatment costs are within your credit limit and the provider is within Citi's network. To their credit, however, Citi has a network of thousands of healthcare providers.


Here are the features you'll love about this card:

  • Online patient portal. Applying for, maintaining, and paying off a credit card can be a hassle. Citi tries to make it more convenient by providing an online portal where you can apply for the card, view recent activity, and of course, pay off its balance. In fact, you pay your bills for the Citi Health Card only online, not at the doctor's office.
  • Find a Provider feature. At, you have access to the feature titled "Find a Provider," which lets you search for any doctor's office to see if it's a provider with the Citi Health Card. You can use this feature even before you apply for the card and search by the doctor's name, zip code, industry, etc.
  • Reasonable fees. With the Citi Health Card, you don't have to worry about making a down payment or paying for the card application. Furthermore, you will have no prepayment penalties. The flexibility with this card applies to more than just its provider network too; once you're approved for a card, you can use it for treatments of your whole family (not just yourself) up to your credit limit. You can also use it for more than one treatment (again, up to your credit limit).

In short, the Citi Health Card stands out for its flexibility, lack of fees and convenient online feature to verify providers in the network. This makes your life as a patient much easier.

The Bad

  • Lacking information
  • Disadvantages

Lacking Information

Considering how experienced Citigroup is, you would expect more from this company in terms of accessible information and customer service resources. In these two areas, the company is lacking and the Citi Health Card is a subpar option.

For one thing, Citi is quite vague about the interest rates they charge. They provide some basic information about pricing plans that providers may offer, but they don't clearly lay out all of the payment plans, monthly payments, differing interest rates, and hidden fees. This alone is a red flag because interest rates can be the main disadvantage of using a credit card, even in healthcare financing.

In addition, one restriction with the Citi Health Card is that customers can only pay off the balance online rather than in person. So if you use the card to pay for a treatment at a doctor's office, you can't pay part of the bill while at your appointment; you have to manage the card solely online.


The following aspects are other potential sources of frustration:

  • No 24/7 customer support. It's somewhat difficult to contact customer service at Citigroup, partially because their card support representatives are only available during certain hours of the day and there are only a couple of phone numbers you can call to get information. It would be nice to have more ready access to a representative if you run into problems with your card.
  • $25 late fee. For every payment you miss or pay late, you will be charged a $25 fee (or the remaining balance on your card, depending on the situation). This isn't a terribly high fee, but it does repeat for every late payment and there is very little wiggle room for late payments.
  • Affected credit. When you apply for a Citi Health Card, a representative pulls your credit report from all three credit bureaus to determine your eligibility. Because the card is used for loans, this credit inquiry is considered a hard inquiry, which means your credit is affected by the application.

In broader ways, this company presents frustrations to potential customers. For example, their website is not very informative and patients might benefit from more detailed FAQs sections and especially upfront information about pricing. In addition, Citigroup is first and foremost a bank and not a healthcare lending agency, and that makes the Citi Health Card just one of the products-not necessarily a priority or a main focus for the company.

The Bottom Line

The Citi Health Card has plenty of pros and plenty of cons, so it's difficult to give a definite recommendation about it. In many ways, the needs of the customer will determine whether this card is a good financial option.

The Citi Health Card is an excellent option for customers who prefer online card management, who need a card for the whole family and not just themselves, and who prefer working with a company that has been in business for a long time. In these ways, Citigroup is a trusted brand, and this product offers flexibility and convenience. Furthermore, this card can potentially cover treatments in any industry so long as your provider is in Citi's network.

However, this card is not a recommended option for customers who would prefer to be able to make card payments in person, who prefer more round-the-clock customer support, or who prefer not to have their credit affected by a card application. In these ways, Citigroup is a risky option because they pull your credit report and they are vague about information that potential customers would want.

This company would do well to provide more detailed information about their pricing plans and fees. Even though Citigroup is a trusted brand as a whole, this product is just one of their many services and has therefore taken a backseat to other ventures like banking and investing.

As a patient, if your credit score and lifestyle can afford this, then the Citi Health Card is a great option to help you with your healthcare finances. However, it is not a recommended option if you prefer more transparency, more accessible customer support, and less of a credit risk.


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User Reviews


5 Reviews

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Sort by:
Ahoo Kany
January 16th, 2017 Chicago, IL

They increased my interest rate to %29. I never missed any payment and I have been paying every month twice the minimum amount. Rip off. and the funny thing is that they did send a letter with increasing the interest but how, yes, term and condition is changed please review. and if in case you look, there is 20 pages of smallest font and some where in between they say, the interest rate is increased.

Darlene Hutchinson
October 15th, 2016

I did not realize that when I did not pay of this bill in the specified time, that would be charged the same amout that I was billed for. i would warn anyone not to be suckered into getting this card. A big ripoff.

September 1st, 2016 Pomona, CA

The citicard is horrible. Please if you can, avoid it

Donetta Johnson
July 25th, 2016 Chicago, IL

Not an honest service for customers. They billed me before I had my first dental treatment, plus a late fee was added. They refused to remove the fees.

February 26th, 2016

This is the worse card ever never get it customer servo is useless and they don't care about its customers