Frequently Asked Questions

Question 1

What is the Curative EPO Value Plan, and how is it different from other Curative plan options?

Accepted Answer

The EPO Value Plan is our lowest-cost option, designed for members who are open to a more guided approach to care. It includes:
- A lower monthly premium
- $0 copay and deductible benefits when you use a Curative Pass to see select in-network providers
If you want more flexibility to choose your own providers, one of the other Curative plans may be a better fit.

Question 2

Is the EPO Value plan a good fit for me?

Accepted Answer

EPO Value is a great option if you’re comfortable with a more guided care experience. It’s ideal for members who want a lower monthly premium and are open to choosing from a shortlist of in-network providers generated based on care needs and location. If you have specific providers you need to keep, another Curative plan may be a better option.

Question 3

What is a Curative Pass and how do I get one?

Accepted Answer

Instead of browsing the full provider directory, EPO Value members use the Curative Pass tool in the Member Portal. This tool generates a short list of in-network providers based on your needs and location. When you choose a provider from the list, your Curative Pass is created instantly.

Question 4

As a new member on EPO Value, can I keep my provider?

Accepted Answer

We can’t guarantee that your current provider will appear in your Curative Pass list. If staying with a specific doctor is important, consider choosing the EPO, PPO, or PPO Max plans instead.

Question 5

Can I request a new list of providers if I can’t find an appointment or the options don’t meet my needs?

Accepted Answer

Yes. You can request a new list of in-network providers any time using the Curative Pass tool.

Question 6

Can I see any in-network provider listed in the provider search tool?

Accepted Answer

EPO, PPO, and PPO Max members: Yes. You may see any in-network provider listed in the [Provider Search](https://curative.com/providers).

EPO Value members: 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.

Question 7

How long does a Curative Pass last?

Accepted Answer

Each Pass is valid for a specific period, depending on the type of care. If your appointment is outside the window or you need additional visits, you can request a new Pass.

Question 8

Do I need a new Pass for follow-up care or multiple visits to the same provider?

Accepted Answer

Yes. Each visit requires a valid Curative Pass. If your follow-up is outside the original window, request a new Pass for continued $0 coverage. In some cases, you may be able to renew a Pass with a specific provider.

Question 9

Do I need a Curative Pass for prescriptions or pharmacy visits?

Accepted Answer

No. Prescriptions work the same across all Curative plans.

$0 prescriptions are available through mail order and select retail pharmacies like H-E-B, Albertsons, Safeway, and Publix (30,000+ locations).

A searchable drug list is available at [curative.com/drugs](https://curative.com/drugs), including many $0 options.

Question 10

Does urgent care or emergency care require a Curative Pass?

Accepted Answer

No. Emergency care is covered with your Member ID Card—no Pass needed. Urgent care is also covered under the Member ID Card or automatically under the Curative Cash Card for eligible services.

Question 11

What happens if I see a provider not listed through the Curative Pass tool?

Accepted Answer

You can still see in-network providers, but you’ll likely owe copays, deductibles, or coinsurance. The $0 benefit only applies when you use the Curative Pass.

Question 12

Do I still need to complete a Baseline Visit on this plan?

Accepted Answer

Yes. All Curative members must complete a [Baseline Visit](https://curative.com/baseline) within 120 days of their plan start date to keep $0 benefits active.  Without a completed Baseline Visit, your plan will default to standard cost-sharing, and you’ll lose access to $0 care—even with a Curative Pass.

Question 13

How does the Curative Cash Card work for EPO Value members?

Accepted Answer

The [Curative Cash Card](https://curative.com/cash-card) expands access to $0 care in certain situations:
- It works automatically at urgent care locations for eligible services.
- For all other care, you must first get a Curative Pass. If the provider on your list only accepts cash payment, Curative will activate the Cash Card for that appointment.

Question 14

What is the Curative EPO Value Plan, and how does it benefit our organization?

Accepted Answer

The EPO Value Plan is Curative’s lowest-premium option. It helps reduce healthcare costs while ensuring employees can still access $0 out-of-pocket cost care when they use the Curative Pass. This structure encourages cost-effective care without compromising.

Question 15

How does the EPO Value Plan encourage smarter care decisions?

Accepted Answer

The EPO Value Plan uses a guided provider selection tool called the Curative Pass, which matches members with in-network, high-value providers based on their needs and location. This reduces overutilization, enhances cost transparency, and supports better health outcomes through timely care.

Question 16

What types of employees is this plan best suited for?

Accepted Answer

EPO Value is ideal for employees who are:
- Looking for the lowest possible monthly premium
- Without strong preferences for a specific doctor or specialist
- Comfortable with a more curated approach to provider access
- Focused on minimizing out-of-pocket costs for everyday care

Question 17

How does EPO Value complement our other plan offerings (e.g., PPO, PPO Max)?

Accepted Answer

It rounds out your plan lineup by providing a guided, lower-cost alternative. Together, these plans give employees flexibility to choose what matters most: cost savings, provider access, or nationwide flexibility.

Question 18

Can we offer both EPO and EPO Value?

Accepted Answer

No, groups must choose either EPO or EPO Value for the plan options. Either can be paired with PPO and PPO Max for a three-tiered offering.

Question 19

Why might we choose EPO over EPO Value?

Accepted Answer

If your employees value provider flexibility or need to retain specific doctors, the EPO plan is a better fit. It offers broader access to in-network providers with the same $0 care benefits. EPO Value can offer an even lower premium option.

Question 20

How is the member experience supported on the EPO Value plan?

Accepted Answer

Members get a user-friendly experience through the Curative Pass tool, access to Care Navigators for support, and built-in safeguards for urgent and emergency care. Pharmacy and prescription access are identical to all other Curative plans.

EPO Value frequently asked questions

EPO Value FAQs for members

EPO Value FAQs for brokers and employers