About Us
Healthcare is expensive — there's no getting around that. As insurers shift more financial responsibility onto patients, the burden on individuals and families keeps growing. Yet the way hospitals and providers communicate with patients about that burden hasn't kept pace. Too often, it's limited to a stack of statements, and when payment doesn't come, the relationship ends at collections — permanently, and unnecessarily.
We don't think that's good enough. For millions of patients, paying medical bills is stressful even when they have every intention of doing so — they simply need a better path to get there. Care Cap Plus was built on that belief: that patients want to pay their share, and providers deserve a partner who helps make that possible with empathy, not pressure.
With two decades of experience in niche medical finance, we've combined deep process and financial expertise to give hospital systems a modern, patient-first way to manage the revenue cycle — one that improves recovery while preserving the trust between provider and patient.
Patients Love Care Cap Plus
It has been so helpful to spread my payments out over time without interest or affect on my credit score.
Care Cap Plus was a Godsend. Thank you for working with me and the opportunity to pay over time. I would not have been able to pay for my procedure with you! Paying over time, made it possible.
- Maria T.
I would be far more likely to visit my local hospital knowing that they offer Care Cap Plus. I wouldn’t have had any way to pay off my balance without a payment plan from Care Cap Plus.
Without Care Cap Plus, I would never have been able to pay off my hospital bills. I will go back when necessary knowing that Care Cap Plus is available.
Thank you for the flexibility when it comes to payment date. I have run into some difficult situations this year and Care Cap Plus gave me the payment options I needed.
Amazing customer service, needed to call once and someone picked up the phone and helped immediately. The reps are so nice!
Spencer was super helpful and very nice. Without Care Cap Plus I wouldn’t have been able to afford my medical bills.
- Ann G.
I applied for Care Credit but ended up not not using it, after having a difficult experience. They canceled my card the morning of my procedure. Care Cap Plus was able to step in and help with payment. I love the service and wish more providers offered this payment option.
- Meri M.
Had a horrible experience with Care Credit and I am so happy there are other options out there like Care Cap Plus.
The Care Cap Plus program is extremely easy to manage. It is “set it and forget it.” It’s a super option.
- Kevin M.
Care Cap Plus is very convenient. I love that the payments are automated and that I get an email receipt. I never need to do anything to make a payment.
- Scott B.
Spencer was super helpful and very nice. Without Care Cap Plus I wouldn’t have been able to afford my medical bills.
- Erica S.
“No one likes to deal with big medical bills, but I worked with Care Cap Plus to deal with a big hospital bill, they were just so kind from the beginning. They worked with me to help me set up a plan where I wasn’t begging for a better set up, then kindly walked me through the process.”
No one likes to deal with big medical bills, but I worked with Care Cap Plus to deal with a big hospital bill and they were just so kind from the beginning. They worked with me and helped me set up a plan where I wasn’t begging for a better set up and then kindly walked me through the whole process
Very quick and easy. Great to work with professionals and friendly!
Working with Melissa Anderson was an absolute pleasure & joy!!! She is extremely professional, and one of the nicest people you would ever want to talk to!!
It was a pleasure working with Melissa she was very helpful and very informative I appreciate people like her that do their job well Thank you again.
Spencer was super helpful and made it very easy to set up a payment plan.
Spencer is such a pleasure to work with. He explains everything thoroughly and is very patient.
Having a payment plan option with no interest for large medical bills is extremely helpful and the process was seamless to set up.
We had a great experience. The information was explained to us so detailed, and we had multiple options to pick from. We’re very happy and satisfied with the service!!!
Informative, helpful and Professional…..Thank you for your kindness! Care Cap offer payment plans free of charges and interest….. glad to work with them.
- Roger V.
Very helpful and explained everything in great detail. Even stayed on the phone to make sure all was submitted correctly. Amazing customer service!
We had an issue with our bill and Care Cap was able to resolve it very quickly. The representative took great care in explaining our options and gave us great suggestions. They were kind, caring and very professional. I forgot last time I had such a great customer service experience. Thank you, it was a pleasure talking and doing business with you.
- Ari R.
Tracey P has been the most helpful representative that I’ve ever worked with. She is quick to call back and give transparency and confidence that issues are being resolved. THANK YOU for all you do.
Had some billing concerns and Care Cap went over and beyond to help me out with every one of my concerns. They spent a great deal of time providing me with what I needed to get my account up to date, and even followed up to make sure I received receipts for each one of them. Thank you.
- Julie G.
Thank you so much for working with me with the limited time I had to review payment plans. I really appreciate your hard work and now I can think of other things other than this outstanding bill you’ve been great take care.
I had a great experience with the customer service representative who helped me set up a payment plan for my medical bill. They were patient, kind, and made the process simple and stress-free. They took the time to explain my options clearly and worked with me to find the best solution. I truly appreciate their excellent service and support!
I have found that this company has eased a difficult circumstance into a very feasible one. They are willing to work with individual needs, and never make one feel embarrassed or unimportant. I am most grateful for their service which afforded me the opportunity to pay a debt without imposition of severe hardship.
I just set-up a payment plan through Care Cap Plus for the outstanding balance remaining on my medical bill. It was an easy, no-hassle process. There were no “pressure tactics” applied either. Tracy was courteous and professional during our conversation, and she treated me with the utmost respect and dignity. That was really important to me as an older patient on a very tight budget. It’s one less thing I have to worry about now.
So grateful for this service. They made everything so easy, and I felt like I was treated like a person, not a number. Thank you, Sonia!
- Tony L.
I can’t thank Amanda enough for always helping me. Amanda’s quick response was so reassuring. She is so professional.
- Carol W.
I have found that this company has eased a difficult circumstance into a very feasible one. They are willing to work with individual needs, and never make one feel embarrassed or unimportant. I am most grateful for their service which afforded me the opportunity to pay a debt without imposition of severe hardship.
Care Cap made it quick and seamless. They had me up and running before I could finish my cup of coffee. Plus, called early in the day and got back to me in no time. Quick and very responsive. It is such a joy to work with Care Cap who gets the job done and with an easy, affordable solution! Thank you!
- Cindy V.
I spoke with Avery on Thursday and Friday on Halloween! She made this experience very easy for me. My husband passed away last week and talking to her got me through that day! It was her kindness and patience! Even after I paid my bill on Thursday she called on Friday to make sure I was doing ok! I am grateful for this company and Avery for helping me get through this very hard time.