Received a bill? We’re here to help.
We dislike surprise bills just as much as you do. Curative designed its plan to be as simple as possible with guaranteed payment for covered services with any physician in Curative’s provider search. That usually means $0 out-of-pocket costs and bills go away, but if any balance is due, we’ll provide all the information you need to know. If you get a bill in the mail, we’ll help figure out why and what to do.
Bills don’t have to be a burden
Here are some helpful resources to navigate to first:
Provider Search
Provider Search
If a provider is in our provider search, they’re covered by us! That means that as long as you received a covered service and, if needed, received prior authorization prior to the service, Curative will take care of the bill.
Benefits Booklet
Benefits Booklet
To check if your bill is for a covered service, visit your Benefits Booklet in your member portal. You can also check if the service requires prior authorization.
Received a bill from a provider on provider search?
Here’s what to do.
Was it a covered service?
Was it a covered service?
If you received a bill for a covered service from a provider on the provider search, we’re here to help ensure your benefits are maximized. Please ensure any prior authorization required is approved before the service is completed. If this service required prior authorization and it was denied or not approved prior to service, you may be responsible for payment. Please complete the form at the bottom of this page or reach out to Member Services for any questions or clarification regarding your bill.
Was it not a covered service?
Was it not a covered service?
Since your service wasn’t included as a part of your Curative benefits, you’ll be in charge of taking care of this cost. If you have further questions, please complete the form at the bottom of this page or reach out to Member Services for any questions or clarification regarding your bill.
Saw a provider not listed on provider search and received a bill?
Here’s how Curative can help.
Are you on Curative’s PPO Max plan?
Are you on Curative’s PPO Max plan?
Curative’s PPO Max plan covers out-of-network providers for covered services up to a fair amount. If you received a covered service that required prior authorization and it was approved and received in advance of the service, please contact Member Services, and they’ll sort out the bill. Curative agrees to pay the fair, usual and customary amount for any services completed by out-of-network providers. If the provider chooses to bill more than the fair amount, you may be responsible for the balance. We know that members occasionally want to see an out-of-network provider, and we will support members by negotiating with providers on their behalf to minimize balance bills and member obligations as much as possible. If you did not receive the required prior authorization or completed a service that is not covered, you will be responsible for the cost of the service. Please complete the form at the bottom of this page or reach out to Member Services for any questions or clarification regarding your bill.
Are you on Curative’s PPO plan?
Are you on Curative’s PPO plan?
Since this service was from a provider not on our portal, you’ll be responsible for the out-of-pocket cost of this service. If processed as a claim, this can count towards your out-of-pocket maximum. For those on an EPO plan, there is no coverage and you’ll be responsible for the full cost. If you have further questions, please complete the form at the bottom of this page or reach out to Member Services for any questions or clarification regarding your bill.
Rest easy
Rest easy
If you received an Explanation of Benefits (EOB) — this is not a bill. It’s just a breakdown of how we covered your care. A bill will come directly from your provider.
Curative wants to minimize any hoops and hurdles to getting healthcare. We’re here to help every step of the way.
Submit your bill
Our team will respond in 3-5 business days to clarify your coverage and provide any information on next steps.
Call us, we’re here to help
Email us
Contact your Care Navigator