Q: How do I get my Curative Cash Card?

Activate your Curative Cash Card in the Member Portal . Every member 18 and over has access to a virtual card, and you can request a physical card through Member Services at 855-428-7284. You can also add your card to your digital wallet: For Google Pay: 1.Open the Google Pay app. 2.Tap "Add to Wallet" at the bottom. 3.Select "Payment card." 4.Tap "New credit or debit card." 5.Tap "Save" at the bottom. 6.Read the Issuer Terms and tap "Accept." 7.If prompted to verify your payment method, choose an option from the list. For Apple Wallet: 1.Open the Wallet app on your iPhone. 2.Sign in with your Apple ID if required. 3.Tap the "+" sign and choose "Debit or Credit Card." 4.Enter card details manually or position your physical card in the frame to scan.

Question 1

What is the Curative Cash Card?

Accepted Answer

The Curative Cash Card helps you get $0 care at providers who take cash payment instead of billing insurance.* Use it with providers labeled "Cash Card only" in the Curative Provider Search, or at any urgent care location. Everywhere else in the Curative network, use your Curative Member ID card. Either way, you pay nothing — Curative covers the cost directly.

*To maintain $0 copays and deductibles, a Baseline Visit must be completed within the first 120 days of your plan start date.

Question 2

Why is it called the Cash Card?

Accepted Answer

We changed the name from “Zero Card” to “Cash Card” to make it clearer and easier to use. It reflects how the card works—covering the cash-pay price at certain providers, so you don’t have to.

Question 3

How do I get my Curative Cash Card?

Accepted Answer

Activate your Curative Cash Card in the Member Portal. Every member 18 and over has access to a virtual card, and you can request a physical card through Member Services at 855-428-7284. You can also add your card to your digital wallet:

For Google Pay: 1.Open the Google Pay app. 2.Tap "Add to Wallet" at the bottom. 3.Select "Payment card." 4.Tap "New credit or debit card." 5.Tap "Save" at the bottom. 6.Read the Issuer Terms and tap "Accept." 7.If prompted to verify your payment method, choose an option from the list.

For Apple Wallet: 1.Open the Wallet app on your iPhone. 2.Sign in with your Apple ID if required. 3.Tap the "+" sign and choose "Debit or Credit Card." 4.Enter card details manually or position your physical card in the frame to scan.

Question 4

When should I use my Curative Cash Card?

Accepted Answer

Use your Curative Cash Card when the provider is labeled "Cash Card only" in the Curative Provider Search, or at any urgent care location. Everywhere else in the Curative network — including in-network providers, standalone labs, prescriptions, and emergency care — use your Curative Member ID card.

For planned surgeries or procedures, contact Member Services before your visit. Not sure which card to bring? Call 855-428-7284 before your appointment. We're available 24/7.

Question 5

Who is eligible to use the Curative Cash Card?

Accepted Answer

In the first 120 days, the Curative Cash Card is made available to all members 18 and over. For the remainder of the year, the Curative Cash Card is only available to members 18 and over who have completed their Baseline Visit. Cardholders can use it for themselves or their covered dependent(s).

Question 6

Why does Curative have two different cards for members?

Accepted Answer

Two cards, two ways Curative pays your provider.

Your Curative Member ID card goes through regular insurance claims. Use it for in-network providers, standalone labs, prescriptions, and emergency care.

Your Curative Cash Card pays the cash price on the spot. Use it with providers labeled "Cash Card only" in the Curative Provider Search, and at any urgent care location.

One card isn't a substitute for the other. The Provider Search tells you which to bring — and if you're unsure, call Member Services before your visit.

Question 7

Are the cardholders responsible for any expenses? Does it impact credit?

Accepted Answer

Members will not owe anything as long as the provider is Curative Cash Card approved, as designated in Curative's provider search, and it is used for a covered service. Curative pays for all approved charges and member credit is not impacted.

Question 8

What services does the Curative Cash Card cover? Does it include prescriptions?

Accepted Answer

Eligible services with the Curative Cash Card include:

Primary care and office visits
Urgent care
Behavioral health
Many inpatient and outpatient hospital services, like imaging, surgeries, and medical monitoring, may be included with additional approval or good faith estimates. Contact Member Services before any planned procedure.

Prescriptions and standalone labs are not covered by the Cash Card — use your Curative Member ID card for those.

Using the Cash Card doesn't change your plan rules. Payments are limited to eligible, covered services, are reviewed for coverage and clinical guidelines, and may still require prior authorization. For planned surgeries or procedures, contact Member Services before your visit so we can confirm the next step and let you know if a good faith estimate is needed from your provider.

Question 9

Why do you guarantee your provider search?

Accepted Answer

Provider searches are often inaccurate across the healthcare industry, but we believe members shouldn’t be penalized.

EPO, PPO, and PPO Max members: If a provider is listed in Curative’s Provider Search and you receive a covered service (with prior authorization if required), Curative guarantees $0 out-of-pocket costs—provided you’ve completed your Baseline Visit within the first 120 days of coverage.

EPO Value members: The Provider Search is informational only. You can always view our full in‑network directory on our provider search tool, but EPO Value covers $0 care only with providers selected through your Curative Pass.

*Reminder: Nominating a provider for the Curative Cash Card does not automatically guarantee their acceptance. All nominations must go through Curative’s contracting and credentialing process.

Question 10

What if I have a favorite doctor and don’t see them in the provider search?

Accepted Answer

Members can easily nominate providers for the Curative Cash Card. All they need to do is fill out a quick form at cur.tv/nominate. Members will hear back within five business days, and, if approved, can see that provider immediately using the Curative Cash Card. Curative will then consider adding that provider to the network, which can take much longer.

Question 11

What are the criteria for the Curative Cash Card approved providers? How is that different from an in-network or out-of-network provider?

Accepted Answer

Network participation and Cash Card acceptance are two different things. A provider can be in the Curative network and not take the Curative Cash Card.

The Curative Provider Search tells you which card to bring:

Labeled "Cash Card only" — use your Curative Cash Card.
Listed as in-network with no Cash Card label — use your Curative Member ID card.

You can also use your Cash Card at any urgent care location. For planned surgeries or procedures, or if you're unsure which card applies, call Member Services at 855-428-7284 before your appointment — available 24/7.

Question 12

What do providers think of the Curative Cash Card?

Accepted Answer

Many providers accept cash pay as an option and appreciate the ease and ability to get paid on the spot instead of dealing with insurance billing. The cash price is set by the provider.

Question 13

Will cardholders receive receipts or records of visits charged to their Curative Cash Card?

Accepted Answer

Yes, we will provide a statement much like a standard Explanation of Benefit.

Question 14

What billing address should I use for the Curative Cash Card?

Accepted Answer

Please use your personal address associated with your health plan account. If you've made any updates to your address, make sure to reach out to Member Services.

Question 15

Why am I still seeing “Zero Card” in some materials?

Accepted Answer

We’re updating our systems and documents. You may still see “Zero Card” during this transition, but it refers to the same program and benefits.

Question 16

I have a Curative Zero Card. Do I need to get a new Curative Cash Card now that the name has changed?

Accepted Answer

No. Your existing card still works exactly the same.

Question 17

Can I suggest a provider to be added to the Curative Cash Card approved list?

Accepted Answer

Yes. If your provider doesn't currently accept the Curative Cash Card, you can nominate them. We'll review the request as quickly as we can — timing varies and approval isn't guaranteed. If approved, the provider may become eligible for Cash Card use, subject to plan rules, provider matching, and reasonable rates.

Question 18

Why is the Curative Cash Card needed at some hospitals that previously took the Curative Member ID Card?

Accepted Answer

These hospitals aren't part of Curative's traditional in-network contracts right now. Curative pays them the cash price instead, so you still get $0 care there.* You'll see them marked "Cash Card" in the Curative Provider Search. When payment is requested, simply present your Cash Card and let them know you'll pay the cash price. *To maintain $0 copays and deductibles, a Baseline Visit must be completed within the first 120 days of your plan start date.

Question 19

Can I use Curative Cash Card for prescriptions or labs?

Accepted Answer

No. The Curative Cash Card can’t be used for prescriptions or labs. Your Curative Member ID Card is still needed for those.

Question 20

Do I still need prior authorizations when using Curative Cash Card?

Accepted Answer

Sometimes. Many eligible services at Cash Card hospital locations don’t require prior authorization, but some still do. All Cash Card payments are reviewed for coverage and plan rules.

For planned surgeries or procedures, call Curative Member Services as soon as possible before scheduling care to confirm coverage and any prior authorization requirements.

Question 21

Can I now use the Curative Cash Card at hospitals?

Accepted Answer

At some hospitals, yes. Curative has Cash Card arrangements with certain hospital systems for eligible inpatient and outpatient services.

Check that specific location in the Curative Provider Search for the "Cash Card only" label before you go. If it isn't labeled, bring your Curative Member ID card.

For a planned surgery or procedure, contact Member Services as soon as you know about it. Some services need approval before you use your Cash Card, and we may ask your provider for a good faith estimate.

Question 22

What kinds of care can I use the Curative Cash Card for?

Accepted Answer

You can use the Curative Cash Card for:

Primary care and office visits
Urgent care
Behavioral health
Many inpatient and outpatient hospital services (new!)

Question 23

Why was the Curative Cash Card expanded to include certain hospitals?

Accepted Answer

These systems are currently out of network in our traditional contracts due to unreasonably high pricing. Because continuity of care matters, the Curative Cash Card lets members keep receiving care at these facilities for $0 out of pocket while Curative continues to negotiate fair and mutually beneficial agreements.

For planned surgeries or procedures at these facilities, members should contact Member Services first so we can confirm approval and any prior authorization requirements.

Question 24

Do members still receive $0 care at these hospitals?

Accepted Answer

Yes, sometimes: • Cash Card Only hospital: Eligible covered services can be $0 through the Cash Card. Planned surgery or inpatient admission may need advance Cash Card approval, plus any required medical PA. • In-network hospital: Use the Member ID card, not the Cash Card.

Question 25

Which plan types are available for the Curative Cash Card?

Accepted Answer

The Curative Cash Card is available to all plan types, including EPO and PPO. EPO Value members follow their Curative Pass to confirm when the Cash Card applies.

Question 26

Does the Curative Cash Card affect billing or claims administration for employers?

Accepted Answer

No. The Curative Cash Card is processed through a separate workflow where Curative pays providers directly, which avoids claim delays. Employees use it with providers labeled "Cash Card only" in the Provider Search and at urgent care locations, and use their Member ID card everywhere else.

Question 27

What should we tell employees if they’re confused about the name change or usage for the Curative Cash Card?

Accepted Answer

Let them know the Curative Zero Card is now called the Curative Cash Card— new name, better benefits. They can continue using their existing card and access care as before. Learn more here.

Question 28

What makes Curative’s Cash Card solution unique?

Accepted Answer

Curative is one of the only health plans with a built-in solution to maintain uninterrupted access to care during provider contract disruptions. The Cash Card eliminates financial burden for members while keeping employers insulated from excessive provider rates.

Curative Cash Card frequently asked questions

General Curative Cash Card questions

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Curative Cash Card updates for brokers and employers