My partner’s company is switching to Curative Health Insurance in January 2025, and I’m worried. I see a primary care provider, psychiatrist, rheumatologist, and pain management specialist, and I’ve been with them for years. I’m scared I’ll lose access to them and some medications that I depend on. Has anyone had good experiences with Curative? Is it reliable? Please share any insights.
Make sure to review the provider network for Curative Health Insurance to see if your current doctors are in-network. Contact them directly to confirm since network lists aren’t always up to date. Also, check if your medications are covered under their formulary. Doing this before the switch can help you avoid surprises.
Curative operates differently from traditional insurance. It’s a newer model that doesn’t have deductibles or copays for most services if you stay in-network and follow their guidelines. The biggest issue tends to be finding in-network providers and pharmacies. Common pharmacies like Walgreens and CVS aren’t covered, but others like HEB and Tom Thumb are.
If your providers aren’t in-network, you might need to switch doctors. Make sure to do your health assessment within the first 120 days of coverage to maintain no out-of-pocket costs. People who live in areas with good access to in-network care seem to like it.
If your current providers aren’t in-network, you can ask them if they’d consider joining Curative’s network. Some doctors are willing to work with patients to accommodate their insurance needs.
It might be worth reaching out to Curative directly to ask about their transition support for new members. Some insurers offer continuity-of-care programs for ongoing treatments, so you can continue seeing your current providers temporarily.