General

Can I pay a bill using two different payment methods?
Yes. Select the ONE-TIME (OTP) payment option using the first payment method. Then log back into iVitaFi MyPlan, locate your bill and use the payment method to pay an additional one-time amount, or setup installments, or apply for a credit line.
Do you accept prepaid debit cards?
Yes. We do accept pre-paid debit cards.
What Credit Cards are supported?
We support Master Card, Visa, Discover and American Express.
Is my information safe and secure?
Yes. For your protection, all information submitted online is encrypted in transit and cannot be viewed by anyone else on the Web. Your payment information is fully protected to meet all regulatory and Payment Card Industry (PCI) requirements.
Can I pay using my Flexible Spending Account (FSA) or Health Savings Account (HSA)?
Yes, using your FSA or HSA is encouraged, saving you money on taxes. You are responsible to ensure all FSA & HSA claims match the respective plan requirements (i.e., date(s) of service, eligibility and so forth).

Line of Credit (LOC)

What is the Healthcare LOC?
The Healthcare LOC is a 0% financing option with a 3-year term. You can use the LOC to cover any existing and future medical bills from the Provider for up to 3 years. You can pay your outstanding balance between 6 to 36 months depending on the amount of credit you receive.
How is the LOC calculated?
The LOC is calculated based on the applicant’s income and the patient’s responsibility.
Does the Healthcare LOC affect my credit rating?
No, applying for the LOC will NOT affect your credit score or appear on your credit report.
How do you determine approval?
Approval is based on the requested amount of the Line of Credit and applicant’s ability to repay.
What is the interest rate on the LOC?
LOC has a 0% interest rate.
How do I get approved for the Healthcare LOC?
Approval depends on your ability to repay. Approvals are also limited to a minimum amount of $500 and a maximum of $8,000.
Can I apply with co-borrower?
No. Only individual applications are accepted. However, the borrower (Guarantor) can be different from the patient. A guarantor is often a different person when the patient is a dependent child or close family member of an incapacitated adult. The provider generally determines who the guarantor is when preparing the medical bill.
Does my Healthcare LOC?
The Healthcare LOC will expire if not renewed in 3 years. It may also be closed if there is no activity and a zero balance for six (6) months. If your Healthcare LOC has expired or closed, it is subject to a new approval before your account can be re-opened.
How long will it take to pay off an advance on applicant’s LOC?
Making minimum payments may result in full repayment in as little as six (6) months or up to thirty-six (36) months. There is no prepayment penalty if the Loc is paid off early.
How much can an applicant apply for?
The program provides lines of credit between $500 and $8,000. The minimum amount of the first advance must be $500.
Can I use my Healthcare LOC for other medical bills?
Yes. You can use any remaining Healthcare LOC balance to pay for future medical bills at the same medical facility.
How long does it take to receive a decision on my Healthcare LOC application?
You’ll get a decision in seconds following your application.
What happens if my Healthcare LOC application is denied?
You will receive a letter in the mail which will provide further instructions on how to obtain a statement of the specific reason(s) for your denial within thirty (30) days after receipt of your request.
Can I combine all the bills for my family and apply for LOC?
No. Currently this option is not available. You need to apply for each family member separately.
I need more help; how do I reach Customer Care Representative?
You can reach a Customer Care Representative by sending us an email at support@ivitafi.com or calling (800) 341-2316

One Time Payment (OTP)

Can I make a partial payment?
Yes. Just enter the amount you want to pay when selecting the OTP option. If you’re paying multiple bills, the payment applies to your oldest bill first.
After I make the partial payment using the OTP option, how do I apply for a Line of Credit for the remaining amount?
Login to the MyPlan landing page and search for your bills. Once you authenticate your account, select Line of Credit option.
Can I update my OTP date?
No, this feature is not presently available.
Is there a minimum or maximum amount I can pay using OTP?
No.
How do I get a payment receipt?
The payment receipt will be emailed to you.
Is the amount immediately charged to my selected payment method?
If the payment method is Credit or Debit Card, the amount is charged to your card immediately. If the payment method is Bank Account, the amount is not deducted from your account immediately. It takes up to 3 days to process the transaction. If the transaction is declined, you will receive the email stating the transaction is declined.
If I receive the transaction is declined email, how can I pay my bill?
Login to the MyPlan landing page and search for your bills. Once you authenticate your account, you will be navigated to the “Select Payment Method” page. Provide another payment method to pay your bill successfully.