If you are an existing Curative health plan member, your health plan may provide much more addiction treatment than you have realized. Thousands of Curative members have an entire package of behavioral health benefits, which include inpatient rehab, medication-assisted treatment, and dual diagnosis care, yet they remain oblivious of these benefits. This doesn’t mean that it’s a coverage issue. It is a lack of awareness issue and it is affecting people’s health and in some cases, their life.
At DeLand Treatment Solutions, we deal with Curative members on a daily basis and are astonished to hear what they actually get with their plan! In this post, we’ll uncover the addiction treatment benefits that are nestled within Curative’s plan framework, how most people overlook them and how you can find out yours so you can make your next step toward addiction recovery with ease.
Why Curative is Built Differently and Why That Matters for Addiction Care
Curative is not standard insurance coverage. Each Curative member receives $0 copay health care from a primary care provider or a specialist, $0 dedicated medication ($0, chosen by Curative if appropriate), and $0 counseling or therapy in person or virtually. Additionally, that no-cost model doesn’t stop at behavioral health or substance use disorder (SUD) care, where most members are underusing their plan.
The problem with Curative’s benefit materials comes down to the clinical jargon they’re using: “behavioral health benefits covered,” “substance use care,” “medication-assisted treatment coverage. The issue is that words like “behavioral health benefits covered,” “substance use care” or “medication-assisted treatment coverage” are the clinical terms that wouldn’t show up in the same material if it were directed at the consumer struggling with addiction. Those terms basically translate to your plan could provide you a comprehensive range of addiction treatment at little to no cost to you. Let’s go over each benefit category.
The 8 Addiction Treatment Benefits Curative Members Are Missing
Inpatient Rehabilitation – Fully Covered When Medically Necessary
Inpatient rehab is a form of inpatient treatment that is the most rigorous level of care provided for drug and alcohol addiction. Many Curative members think that this type of care is not covered or will not be affordable to them. Both of these assumptions are wrong in most instances.
If the licensed clinician or physician identifies inpatient treatment as medically necessary (typically severe alcohol or opioid dependence), the plan at Curative includes coverage for this treatment. Curative’s partner Recovery Unplugged has inpatient programs in Austin, TX and Fort Lauderdale, FL that are available to Curative members ages 18 and over after a Baseline Visit, at no cost. If you’re looking for an in-network benefit at a facility such as DeLand Treatment Solutions, it’s easy to check specific benefits before being admitted, and our insurance team can guide you through it all on one call.
Outpatient Programs – Day Treatment and Partial Hospitalization
Not all roads to recovery necessarily also involve a residence. “Outpatient” means programs offer structured clinical care for a portion of the day and patients return home in the evening, and may refer to either Partial Hospitalization Programs (PHP) or Intensive Outpatient Programs (IOP). These programs generally consist of 20 to 30 hours of these programs a week, individual therapy, group counseling, psychiatric evaluation and medication management.
Without the voodoo economics that can prevent someone from applying to a program, Curative’s behavioral and health benefits cover outpatient tiers, allowing PHP and IOP to share the spotlight. Recovery Unplugged provides intensive outpatient care online in Texas and Florida to Curative members, and we can help you find out what level of care is a good clinical match for you and if your plan will cover it.
Medical Detoxification – The Critical First Step, Fully Covered
Trying to quit drinking, benzodiazepines or opioids alone can be fatal. Some withdrawals actually have a risk of seizures, cardiac events, and death. For many seeking treatment, there is no choice but to undergo medical and clinically supervised detoxification first, which is the procedure of getting the substance out of the body. It’s a Health imperative!
Medical detox is part of Curative’s substance use care program. Members may not even inquire about detox as they do not know if detox is included in their “medical” or “behavioral health” coverage. Answering this question, therefore, under a Curative plan, is his taking the position that it is covered by both, and it is covered. If you or a loved one needs to start treatment, We can verify your coverage before the first day in treatment and ensure that there are no surprises when you receive a bill.
Medication-Assisted Treatment – Buprenorphine, Methadone, and Naltrexone Covered
Following several years of research, medication-assisted treatment (MAT) has been approved by all the main medical associations, including SAMHSA, the American Society of Addiction Medicine, etc., as the gold standard clinical treatment for opioid and alcohol use disorders.
MAT involves a combination of medicines that are FDA-approved for addiction treatment, like buprenorphine (Suboxone), methadone or naltrexone (Vivitrol), along with tracking of behaviors and counseling to help control cravings and prevent relapse and stabilization of recovery.
Curative’s plan will also incorporate $0-preferred medication if deemed appropriate and MAT
medication will be a part of that $0-preferred category if the member is receiving SUD treatment.
Another of Curative’s underutilized advantages is prescription drug coverage for treatment which could be free of any cost for the member, according to which medical professional the member chooses. We utilize MAT-certified clinicians that work with your Curative Care Navigator to make sure your medications are prescribed, authorized and covered promptly at DeLand Treatment Solutions.
Dual Diagnosis Treatment – Mental Health and Substance Use Together
Co-occurrence of both a substance use disorder and a mental health disorder, like depression, anxiety, PTSD or bipolar disorder, is common, rather than rare. Study after study reveals that most addicts also suffer from an untreated or under-treated mental illness and that addiction treatment without treatment of the mental health condition significantly raises the risk of relapse.
Members receive counseling (as well as virtual counseling/therapy) and therapy for free in Curative’s behavioral health plan and members can also receive integrated treatment for co-occurring disorders as part of Curative’s substance use care plan. Clinical evidence supports integrated treatment and that’s why all conditions are treated at the same time at DeLand Treatment Solutions by one convenient treatment team.
Continuing Care and Aftercare – Family Therapy and Ongoing Counseling
Recovering is not over when a Residential Program ends. Hospitalization day treatment and counseling sessions, family meetings and relapse prevention plans are the factors of treatment that help ensure a lasting state of sobriety. And it’s a step Curative backs.
For those members who choose to apply for one of the curative insurances, they will receive free mental health services up to the full cost of the basic plan, and continuous counseling will be offered in the basic plan. Family therapy is one of the primary components of a recovery program that is considered a benefit of behavioral health.
The members who are engaging in a primary treatment program at our center can move on to continuing care without any breaks in their treatment coverage.
Telehealth Behavioral Health Services
Further, not all steps of recovery involve an in-person visit. Through the $0 barrier to access to counseling or therapy, members across rural areas, who face transportation issues, or members who need to get started on their treatment but are hard at work or busy with family can connect with licensed therapists, psychiatrists and addiction counselors at any time on any phone or computer they choose, at no cost.
Curative’s coverage is useful for people who are in the early stages of recovery and are having lots of sessions via telehealth; however, don’t necessarily see them on a daily basis. We provide continuing care services that can be done via telehealth and can be put with your Curative plan.
Care Navigators – Your Personal Guide Through the Benefits Maze
As far as I’m concerned, the Care Navigator is the least used resource in any Curative plan. Curative’s Care Navigators are here to provide you with information and options and support you in making your decision. They’re all real people and care coordination professionals who can get you an appointment, help you understand some of your benefits, prepare authorizations and process prescriptions, and then refer you to the right type of care, depending on your clinical need and location.
Members aren’t that familiar with Care Navigators
Many people who attempt to do so think that they can only produce less than what they are capable of. The Curative system can be very complex and a Care Navigator will be a very important tool to properly support your advocacy, preventing the delay of treatment.
Our goal for our clients is to get them on the path from first call to first day of treatment as quickly as possible; at DeLand Treatment Solutions, we work seamlessly with Curative Care Navigators to ensure that happens.
Why are Members Missing These Benefits?
There is nothing unplanned behind the difference between what Curative provides and what members are utilizing; it’s designed into the program. Several factors contribute.
The first terminology is that in their benefit materials, they use the terms “behavioral health benefits covered” and don’t explicitly state that addiction treatment is indeed a behavioral health benefit. You can find folks who consider behavioral health to be stress or relationship therapy, not medical detox or residential rehabilitation, however.
The second is a supposition. Many people don’t seek preventive health or treatment because of stigma, shame or simply lack of awareness of the options and their coverage. This assumption is usually “my insurance probably won’t cover this” so people don’t bother to inquire about coverage or check and, therefore, never know their insurance covers it.
The 3rd is complexity. Claim access and benefit strengths could be a serious barrier in accessing services when members want to use their benefits: Prior authorization, in-network rules, and benefit strengths play a role. DeLand Treatment Solutions is here to help.
How to Check Your Curative Addiction Treatment Benefits Today
It’s not as time-consuming as many believe, especially looking for coverage, with a little help. Here’s the process:
Next, log in to your member portal on Curative’s website, health.curative.com, and read your behavioral health benefit summary. Some keywords to search for are ‘substance use disorder treatment’, ‘MAT’, ‘inpatient behavioral health’, and ‘outpatient programs.’
Second, make sure you contact the member services telephone number listed on your insurance card to directly communicate with the Curative Care Navigator. Inquire about coverage for inpatient rehab, detox, MAT and dual diagnosis and whether DeLand Treatment Solutions is in your network.
So third, and most efficiently, contact DeLand Treatment Solutions directly. Our insurance specialists verify with Curative on a day-by-day basis. In one conversation, verify your coverage and let you know what is covered and how much you are responsible for (which for many Curative members, can be $0).
Take the Next Step – Your Benefits Are Waiting
The hardest part of attempting to get clean and get help with your addiction is usually to make a phone call. Questions should also be asked regarding coverage as it pertains to the cost of treatment, including just what does and doesn’t cover.
DeLand Treatment Solutions is here to take that obstacle away.
Call Our Insurance Specialists to Learn What’s Covered
We have been able to help our patients understand Curative insurance coverage for addiction treatment, inpatient rehab, MAT, dual diagnosis, outpatient programs and detox. These items are for you, let us help you use them.
To explore options for supervised support, contact DeLand Treatment Solutions
Curative Health Insurance FAQs
What provider network does Curative use?
Curative utilizes its own expansive PPO network in specific regions, supplemented by a national network to ensure members have access to high-quality care, specialists, and facilities across the country without needing a primary care referral.
Does Curative insurance cover therapy?
Yes, Curative insurance provides comprehensive coverage for outpatient mental health services, including therapy and counseling. Most members benefit from $0 out-of-pocket costs for in-network mental health services when they complete a baseline wellness physical.
How does the Curative cash card work?
The Curative cash card is a unique benefit that provides members with funds to pay for out-of-pocket medical expenses. It simplifies the payment process at the point of care, ensuring seamless access to necessary health services.
How does Curative health insurance work?
Curative offers a high-value PPO plan featuring $0 copays and $0 deductibles for in-network care. To maintain these benefits, members simply complete a baseline wellness checkup, fostering a proactive and preventative approach to long-term health.
Does BetterHelp take Curative insurance?
BetterHelp is primarily a private-pay platform and generally does not bill insurance companies directly, including Curative. However, members may seek reimbursement through out-of-network benefits or use their Curative cash card for eligible mental health services.
What is the 2-year rule in therapy?
The 2-year rule refers to the ethical guideline established by organizations like the APA, which prohibits therapists from engaging in sexual or romantic relationships with former clients for at least two years after treatment has officially ended.
What is the 3-month rule in mental health?
The 3-month rule is often used in clinical settings to monitor the consistency of symptoms before confirming a diagnosis, such as Generalized Anxiety Disorder. It ensures that mental health symptoms are persistent rather than temporary reactions.
