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Corporate Profile: ChaseHealthAdvance

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ChaseHealthAdvance Practice Consultants Brandon Sifrar (right) and Tori Collins (left) with Marketing Sr. Associate, Lisa McIntyre (middle).

ChaseHealthAdvance is providing more innovative patient financing options for orthodontic practices to offer their clients, easing the worry of “payment” in the treatment planning equation.


Rising medical and dental costs have created more need for new and adaptive health-care financing options. The demand for elective procedures – particularly orthodontic, dental, vision correction and cosmetic procedures – is also continuously increasing. As a premier financial leader, JPMorgan Chase & Co. recognized this need and developed ChaseHealthAdvance to give patients flexible payment options for these comprehensive treatments. Orthotown Magazine recently spoke with ChaseHealthAdvance president Hugh Bleemer to learn more about the benefits it can provide orthodontists and their patients.

Mr. Bleemer, can you please tell our readers what ChaseHealthAdvance is and what sets it apart from other patient finance companies?
Bleemer: ChaseHealthAdvance is a patient-financing product that provides attractive payment options that health-care providers can make available to their patients to finance orthodontic and dental treatments. Our product is offered through Chase Bank USA, N.A., a division of JPMorgan Chase & Co., a company with more than 200 years of lending experience.

There are several key attributes that set us apart from other patient financing products, especially in the orthodontic space:
1. We offer the highest minimum credit line in the profession. With our $5,000 minimum credit line for approvals, we lend more money per case than any other program in the market.

2. We have developed special programs specifically for orthodontic treatment, which allows us to charge practices low service fees for our most attractive longer-term, no interest programs.

3. Our product is not a credit card, but an open revolving line of credit. Due to the uniqueness of our product, we can still offer the broadest range of options that some other financing programs cannot offer today. In addition, we do not charge additional fees to do business with us, such as application fees, non-usage fees and enrollment fees.

4. We are uniquely focused on helping providers succeed by not only offering longer-term, no interest programs – perfect for supporting orthodontic treatment plans – but by having the ability to offer our active providers access to other JPMorgan Chase products that can help their businesses, such as payment processing, business credit cards and equipment and expansion financing.

Overall, I believe we have the ability to deliver products and services that are more comprehensive than other patient finance companies. The services we offer help practices manage their business and meet their changing needs in a challenging economic environment.

What would you say are the core values of ChaseHealthAdvance?
Bleemer: There are two core values that drive our business decisions each day – being an advocate for the patient and the practice and being the leader in innovation. In our mind, advocacy and innovation go hand-in-hand. We’ve demonstrated advocacy for practices and patients by launching innovative financing products, such as a 24-month, no-interest payment plan. This makes case acceptance easier for the practice because patients have an attractive plan with affordable monthly payments available to them. We also understand that the average office staff is stretched, so we continue to focus on ease of use. We are constantly asking ourselves how we can make the patient financing process easier for the practice and patients. This was the driving force behind the development of www.healthadvance-online.com. With the click of a button, applications and transactions can be submitted and robust reporting is available to the practice 24 hours a day, seven days a week.

How are your payment plans different from other third-party financing products?
Bleemer: We structure our payment plans specifically for patients and their financial needs. Our wide range of no interest payment plans makes ChaseHealthAdvance an incredibly attractive and patient-friendly option. Patients can choose plans that are billed out in equal monthly amounts and are designed to pay off within the promotional period, eliminating the surprise of a large balloon payment due at the end of the term. Additionally, we know that providing credit approvals are essential. We are aware that along with great payment plans and low service fees, approvals are of key importance to providers. Using credit data collected over the last 12 years, we have developed a custom score card that allows us to approve patients whom other financing providers might not.

How is enrolling with ChaseHealthAdvance more beneficial for a practice than if it offered its own in-house financing plan?
Bleemer: Offering ChaseHealthAdvance is more cost effective than most in-house financing plans. In-house plans typically cost orthodontic practices at least 10 percent, where ChaseHealthAdvance only charges 7.99-9.99 percent as a onetime service fee (Fig. 1). Practices can also benefit by letting us take care of collecting our payments from patients. Research shows there is only a 20 percent chance of a practice collecting on an account that is more than 90 days old. Plus, if a practice is not paid up front, it can take an average of 72 days to receive full payment. With ChaseHealthAdvance, the patient’s payment is received at the start of the treatment.

It’s also important to look at what the cost of not offering patient financing may be for a practice. Patients who walk away from treatment because they don’t have the ability to make the down payment or meet in-house payment schedules could result in “no-shows” and lost revenue for practices.

Who can the orthodontic practices expect to interact with on a daily basis?
Bleemer: At ChaseHealthAdvance, we know that providing superior service to our practices is key to our success. Every provider is assigned to a knowledgeable practice consultant who trains the doctors and their staff, and continues to work with them to identify opportunities where the implementation of our financing and finance marketing tools can help them meet their business goals. Our practice consultants are always just a phone call or e-mail away.

Walk us through the process. What will a patient experience when applying for financing with ChaseHealthAdvance?
Bleemer: Patients interested in financing will fill out a short and confidential application either at their doctor’s office or from home on ChaseHealthAdvance.com. Most applications are decided upon in less than 30 seconds. With help from their provider and using tools such as our online payment calculator, the patient can choose the payment plan that works best for their budget. Practices also have access to an online customizable payment options worksheet, which can help facilitate the payment options conversation.

You mentioned that you offer a minimum credit line of $5,000. How do you determine a patient’s maximum credit line?
Bleemer: We understand that an approval isn’t helpful to the practice or the patient if the credit line is not large enough to cover comprehensive treatment. Our credit lines range from $5,000 to $12,000, which we have found is an ideal range to cover most treatment plans. We even have special programs that can extend credit lines to $20,000, if necessary. The patient’s credit line is available for use by all authorized members of the household and at any ChaseHealthAdvance provider.

For some patients, down payments are tough to come up with right away. What is the average percentage a patient must pay up front?
Bleemer: One of the great benefits of ChaseHealthAdvance is that we do not require a down payment. We recognize that a large down payment can be a challenge for some patients. With our program, patients can finance the full cost of their treatment.

Exactly what payment plans do your offer to orthodontic practices and how much interest is charged?
Bleemer: We offer no-interest plans for 3, 6, 12, 18 and 24 months and patients are not charged any interest as long as they make all of their payments on time each month, and pay their balance in full by the promotion end date. As I mentioned before, we bill our plans in equal monthly installments, so there are no surprises at the end of the promotional term.

Do you offer plans that extend past 24 months? If so, what sort of interest is charged?
Bleemer: Yes. We offer interest-bearing plans that extend to 48 months with interest charges starting at an Annual Percentage Rate (APR) of 11.99 percent. The interest rate is based on the patient’s credit history and will be disclosed to the patient prior to the practice submitting the transaction. With these plans, the patient simply pays the amount due each month until the term of the loan is complete.

On any given day/time, how can patients get information regarding their account?
Bleemer: Patients can access their account information and even pay their bill online, 24/7 at www.mychasehealthadvance.com. They can also contact one of our customer service representatives by calling 888-519-6444.

Aside from patient financing, what other services do you offer participating orthodontic practices?
Bleemer: To facilitate the financing process in their offices, we offer all types of marketing tools to help practices communicate the affordability of financing to their patients, such as Web banners, a downloadable payment calculator that providers can place on their Web sites, letter templates and tips for implementing these tools into the practice.

Also, as an active practice in our program, providers have access to a free Web-based appointment reminder service as well as special offers from companies with whom we have an alliance.

How does an orthodontic practice enroll with ChaseHealthAdvance?
Bleemer: It’s very easy. There are no enrollment fees, monthly minimums or required equipment to purchase when you get started with Chase. Practices sign a provider agreement and select the payment plans they want to offer their patients. For additional information on our financing product or to enroll, visit www.chasehealthadvance.com.

Why do you think ChaseHealthAdvance has grown so quickly?
Bleemer: That answer is simple. It's the people who work on the ChaseHealthAdvance team. From my Senior Leadership team to our Information Technology team to the Practice Consultants, we are all passionate about offering the best product for practices and patients.

The ChaseHealthAdvance team is comprised of seasoned veterans who come from both the financial industry, as well as the medical and dental industries. Combined, the senior leadership team has more than 70 years experience with patient financing and even more experience in the financial industry. This varied mix of experience and backgrounds is what has driven our growth and our ability to develop and deliver innovative products to our providers and their patients.

*The information in this article was provided by ChaseHealthAdvance and is directed to health-care providers, a business entity, only and is not meant to be shared with patients directly or indirectly.
Growing a Practice with ChaseHealthAdvance –
a Testimonial
In today’s economy, being proactive is required to remain at the top of our profession. We at Savastano & Dunn Orthodontics knew that the impending economic crisis could potentially take our business on a very sharp downward spiral. Knowing this, our practice wanted to step outside the box and offer financing choices to our patients that would allow all families the opportunity to start orthodontic treatment. Long gone are the days of most people paying for orthodontic treatment in full, so our practice researched what options were out there in terms of third-party financing.

Wanting to maintain the extraordinary high level of professionalism that we present to our patients, Savastano & Dunn Orthodontics became participating providers with ChaseHealthAdvance. Implementing this into our practice was seamless. The ease that the patients are able to apply for financing online, the prompt response that is given with a credit decision and the process of funding once the patient is approved made the choice for our office a fantastic fit. Not to mention that the financing funds are direct deposited into our account within 24 hours.

Stepping outside the box once again, our office developed a financial letter that was sent to all of our new patients prior to their first visit. This allowed them to research our financial options before their scheduled visit. Our patients were sent information on ChaseHealthAdvance and how they could apply and be approved for their treatment fee even before seeing our doctors. What a relief for our patients to know that the means for paying for treatment was resolved before even coming to our office. This gave patients and parents the confidence to know that treatment was within their means. And, our conversion rates continued to stay at a very high percentage, despite the economy being at an all time low. Staying proactive and becoming a ChaseHealthAdvance provider has allowed our practice to maintain numbers that are indicative to a growing practice. In just three months, nearly 40 percent of our patients have chosen ChaseHealthAdvance.

– Dr. Nick Savastano, owner and partner; and Allison Hartog, treatment coordinator at Savastano & Dunn.
Orthotown Magazine
September 2025
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