A virtual card. An app. Zero paperwork.
SmartPay is the new way to pay for routine visits. Before the appointment, open the app and pick the visit type — the plan loads its money onto your virtual card. At the office, you hand over the card and the visit settles right there. No claims to file. No bills weeks later.
It's a debit card the plan controls.
The SmartPay virtual card lives inside the SmartPay app on your phone. Before each routine visit, the plan pre-loads the benefit amount for that visit onto the card. You tap to pay or hand over the card image at the front desk — the provider runs it like any other debit card.
The card is the plan's money, not yours. Your bank account isn't touched. Your monthly contribution doesn't change. You aren't paying out of pocket for what the plan covers.
What's in the app
- Visits: Start any visit — virtual or in-person, primary care, specialist, imaging, ER.
- Pay: Your virtual payment card for the current visit.
- Cards: Your plan ID card, ready to show at any pharmacy.
- Message: Real-time chat with the Savvos support team.
- More: Your profile, visit history, financial tracking, plan documents.
Four steps. Mostly the app does the work.
This is what happens at every routine visit going forward. Once you've done it once, it'll feel automatic.
Open the app
Tap SmartPay before the appointment. Sign in if you haven't already — same email as your portal login.
Pick the visit type
Tap Visits, then choose what kind of care you need — virtual visit, in-person primary care, urgent care, specialist, imaging, or mental health.
Share basic info
Who's being seen, zip code, provider name if known, brief reason. About thirty seconds. The plan uses this to load the right benefit amount.
View the card
The app shows the benefit amount and the virtual card. Tap Pay at the office to display it. The provider runs the card and the visit's settled.
The one phrase that works.
Front-desk language matters more than it should. Use this exact phrase and you'll skip about 90 percent of the friction.
Say this
Then hand them the virtual card from the SmartPay app. They'll run it like a standard debit card.
Don't say
"They won't take the card. Now what?"
Most providers accept the card without question. For the few that don't, there's a three-step escalation that resolves it nearly every time.
If all three fail, call Freya at (833) 968-4289 — she'll either find you a different in-network provider or get a Savvos support agent involved while you're still at the office.
Re-state the request, clearly
"I'm paying self-pay today. I'm not asking you to bill anyone. I have a card to pay the cash price at the time of service. Please charge me as a cash-pay patient."
Offer a support contact
"If you need to talk to my plan, I have a support team I can message right now. But for today's visit, please run me as cash-pay."
Loop in Savvos support
Open the SmartPay app, tap Message at the bottom, and contact the Savvos support team while you're still at the office — they can speak directly to the provider's billing team.
Get set up in five minutes.
Three steps, in order. The app won't activate until your portal verification is complete — that's the only sequence rule.
Log in to the portal
Go to savvos.com/clearwater/login. Enter the email address on your ClearShare plan. You'll get a one-time code by email — paste it back to sign in.
Verify your info
The portal walks you through confirming your name, address, dependents, and contact info. Takes about thirty seconds. Once you've verified, your account is ready for the app.
Download the SmartPay app
iPhone — App Store
Android — Google Play
Sign in with the same email and you're done.
Whose money is on the card?
The plan's. Not yours. The plan pre-loads benefit dollars onto the virtual card before each visit, the provider charges the card, and the plan's money pays them. Your monthly contribution hasn't changed and the visit doesn't come out of your bank account.
Need a hand with setup?
Freya can walk you through the portal, the app, your first visit, or anything else SmartPay-related. Twenty-four seven. Free. No hold music.