How the Curative Cash Card streamlines payment for providers and expands access to care
4 Minutes
Team Curative
Feb 3, 2026
For most practices, the biggest pain points aren’t clinical, they’re administrative. Chasing down delayed reimbursements, navigating multiple claim systems, managing patient collections or dealing with prior authorizations that delay care. And, of course, the frustration when insurance isn’t accepted, even when patients are eager to get in for an appointment. Curative is modernizing that experience with a new approach: the Curative Cash Card. It’s designed to streamline payments, support patient access and give providers a fast, predictable way to get paid—no claims process required.
How the Curative Cash Card works at the point of care
The Curative Cash Card functions like a direct-payment card with no balance owed by the member. When a Curative member presents the card to any in-network provider, your practice receives real-time upfront payment at the cash price. No waiting weeks for reimbursement. The Cash Card can be used for:
Office visits
Behavioral health
Some inpatient hospital services
Urgent care
Outpatient hospital services (like procedures and imaging)
For labs and prescriptions, members use their standard Curative Member ID instead because those services run through traditional claims pathways and contracted networks. The dual-system approach helps members access the right care at the right time while giving providers a payment flow that fits the way you want to work.
Why providers love the Curative Cash Card
1. Get paid faster with real-time reimbursement
Instead of sending claims, waiting on adjudication or appealing denials, providers get paid immediately at the time of service. No outstanding balances to chase, no insurance follow-up calls and no uncertainty about reimbursement timelines.
2. Reduce administrative burden
The cash-pay workflow eliminates administrative burden by removing traditional claims workflow and the back-and-forth that typically slows down reimbursement. With no claims to file, no prior authorization delays for eligible services and no need to verify member cost-sharing, your team can spend less time on billing tasks and more time supporting patient care.
3. $0 out-of-pocket costs help patients stay consistent
Since Curative members pay $0 for in-network care, after an annual Baseline Visit, they’re more likely to schedule appointments when needed and follow through with ongoing treatment plans. This consistent engagement supports better outcomes for patients and creates a more predictable revenue cycle for your practice or facility.
4. Access a growing base of Curative patients
Curative’s $0 copay, $0 deductible model appeals to companies and individuals who want a hassle-free health insurance experience. With more members turning to Curative, your practice can see increased patient interest and more appointments over time. How providers become eligible for Curative Cash Card payments Whether you already have a direct agreement with Curative or not, the Curative Cash Card makes it easy to support our members. Some practices in our Cash Card network are fully contracted while others are still in the onboarding process or haven’t established an agreement yet. If a member nominates your practice, Curative will review eligibility and may reach out to discuss a direct contract, yet you can still see the patient using the Curative Cash Card. This gives your team immediate access to real-time payment at the cash price without disruption and onboarding friction, no matter where you are in the contract process.
Modern healthcare starts with removing barriers to care
Curative’s mission is to build a health plan that works better for everyone—patients, providers and care teams. The Curative Cash Card represents a key part of that approach: a modern, streamlined payment experience that removes friction and expands access to care. If you’re a provider who wants:
Faster payments
Fewer administrative hurdles
Simpler patient interactions
A growing member base
…the Curative Cash Card may be a strong fit for your practice.
Interested in working directly with Curative?
We’d love to connect. Reach out to our provider relations team to explore direct contracting options or learn how the Curative Cash Card can support your practice.
Common provider questions about the Curative Cash Card
Do I need to collect payment from Curative members?
No. Members are never responsible for payment. Curative pays you directly.
How do I know what rate I’m being paid?
Curative pays providers their standard posted cash rate for services. This is the same walk-in rate offered to any patient, regardless of insurance status. Providers are paid in full upfront.
What if my staff doesn’t recognize the Cash Card?
Please train front desk staff to treat it as a payment card. If questions arise, call Curative Provider Services at 855-414-1083. We’ll walk your team through it.
Do I still submit a claim if the member uses a Cash Card?
No, providers do not need to submit a claim if the Curative Cash Card is used for payment.
What should I do if the Cash Card is declined?
Contact Curative Provider Services at providers@curative.com or call us at 855-414-1083.
Can I keep the Cash Card on file for future billing?
Providers cannot keep the Curative Cash Card on file for additional services. A member will need to call members services and obtain approval before the card is charged.
Can I accept the Curative Cash Card even if we are directly contracted with Curative?
Yes, you can.
Sign up for our Newsletter
Table of Contents
Why providers love the Curative Cash Card
Interested in working directly with Curative?
Common provider questions about the Curative Cash Card
