Care Now, Pay Later: Why BNPL Is a Game-Changer for Healthcare      

Let’s face it—healthcare is expensive, and patients are feeling the pressure. Even with insurance, high deductibles and out-of-pocket costs are causing people to hit pause on their health. 

In fact, 4 in 10 insured Americans are delaying or skipping medical care due to cost—a jump of 41% from the previous year. Even worse, 42% of them said their health got worse as a result. 

And it’s not just major surgeries people are putting off. Routine care, check-ups, dental work, vision exams—things that help prevent bigger problems—are getting skipped too. 

How This Impacts Healthcare Practices 

When patients delay care, it creates a ripple effect in your practice: 

• Fewer accepted treatment plans – Patients are more likely to decline care they can’t afford upfront. 

• Lower revenue from elective procedures – Cosmetic, dental, and vision services often get postponed first. 

• Higher no-show rates – Fear of the bill can lead to last-minute cancellations. 

• Slower cash flow – Unpaid balances sit in A/R longer. 

• Staff strain – Your team spends more time chasing payments and navigating awkward money talks. 

Bottom line: cost concerns affect both patients’ well-being and your practice’s financial stability. 

Flexible Financing and BNPL: A Modern Solution 

This is where flexible payment plans and Buy Now, Pay Later (BNPL) models come in—and they’re exactly what today’s healthcare consumers are looking for. 

BNPL is no longer just for retail or tech gadgets. It’s making waves in healthcare because it gives patients a way to say “yes” to care without the stress of a big upfront payment. 

Here’s how they work in a healthcare setting: 

• Flexible financing plans let patients spread payments out over time—often with 0% or low interest. 

• BNPL models provide instant access to care, with payments split into manageable monthly chunks. 

• Quick preapproval is often available, with no hard credit check. 

• Patients pay over time, practices get paid upfront—typically through a third-party partner like CareCredit credit card. 

This gives patients financial breathing room while helping practices avoid delayed payments or unpaid balances. 

Why Patients Love It 

When you offer flexible financing or BNPL, you’re meeting your patients exactly where they are: 

• They get care now, without financial panic. 

• They can budget with fixed monthly payments. 

• They avoid credit card interest or surprise billing. 

• They feel more in control—and more cared for. 

It’s no surprise that 63% of patients want access to payment plans, and 54% want to manage healthcare payments digitally 

Why Practices Should Love It, Too 

Offering flexible payment solutions isn’t just good for patients—it’s great for your bottom line. 

• Higher case acceptance – Patients are more likely to say “yes” to care when payment isn’t a barrier. 

• Faster, more predictable cash flow – You get paid upfront by the financing provider. 

• Reduced accounts receivable – No more waiting months to collect balances. 

• Easier financial conversations – No awkwardness when you can offer a real solution. 

• More elective procedures accepted – BNPL helps turn “I’ll think about it” into “Let’s do it.” 

Whether you’re in dental, vision, med spa, or general healthcare—BNPL gives you the flexibility to grow your practice and help more people get care. 

How CareCredit + Solutionreach Make It Seamless 

If you’re worried that adding financing to your workflow will slow you down, don’t be. The CareCredit integration with Solutionreach makes it ridiculously easy to manage your patient’s payments and financing options in one simple platform. 

With CareCredit embedded directly into the Solutionreach platform, your team can: 

• Send patient financing applications right in the platform 
• Check preapproval and account balances in real time 
• Request payments instantly—no switching between systems 
• Eliminate uncomfortable payment conversations – know patients’ eligibility upfront

And the benefits? They speak for themselves: 

✅ Simplified workflow – No jumping in and out of the CareCredit Provider Center. 

✅ Higher treatment acceptance – Patients can be preapproved before they step into the office. 

✅ Reduced friction – No more financial conversations ending with “Let me think about it.” 

✅ Faster cash flow – You collect more upfront, with fewer billing headaches. 

✅ Same-day treatment – Patients can get approved and start treatment the same day. 

✅ Support for preventive and elective care – Give patients a reason to stop delaying. 

✅ Less fear of rejection – With preapproval visible, staff can confidently guide patients forward. 

Final Thoughts 

Flexible financing and BNPL aren’t just a trend—they’re becoming a must-have for healthcare practices that want to stay competitive, care-focused, and financially healthy. 

Patients want options. Practices need stability. With CareCredit and Solutionreach, you can have both. 

So if your patients are saying “not right now” because of cost, it might be time to say “let’s make it easy.” Help them say yes to the care they need—today, not someday. 

Ready to make patient payments simpler and treatment acceptance higher? Let’s talk CareCredit + Solutionreach. Schedule a call.