You’re sitting in your billing office, a claim ready to go, and you realize you don’t have the right payer ID for Curative. Or maybe you’re a new member trying to figure out how this plan actually works before your first appointment. Either way, one missing number or one misunderstood rule can mean a denied claim, a delayed payment, or a benefits gap you didn’t see coming.
This guide covers the Curative health insurance payer ID in full, how to use it correctly, what Curative’s plan actually offers members, and what providers need to know before submitting a single claim. By the time you finish reading, you’ll have everything you need to bill accurately, understand your coverage, or help a patient use their Curative plan the right way.
What Is the Curative Health Insurance Payer ID?
The Curative health insurance payer ID is CURTV. This is the electronic identifier you’ll enter when submitting claims through a clearinghouse, running eligibility checks, or requesting an Electronic Remittance Advice (ERA).
Payer IDs are how the healthcare billing system routes electronic transactions to the right insurance company. Without the correct one, your claim goes nowhere, or worse, it routes to the wrong payer entirely and creates a mess to untangle later.
For Curative specifically, CURTV covers:
- Professional (CMS-1500) claims
- Institutional (UB-04) claims
- Secondary claims
- Eligibility and benefits verification
- ERA (Electronic Remittance Advice)
- Electronic attachments
That single payer ID handles all of the above, which actually makes billing for multi-service providers simpler than dealing with payers that use different IDs for different claim types.
Alternative Identifiers for Curative
You may see Curative listed under several different names or numbers depending on which clearinghouse directory or payer list you’re checking. Known aliases include:
- Curative Health Plan
- Curative Level Funded Account
- Mediview Curative
- Numeric identifiers: 8055, 9774
These all point to the same payer. If your practice management system asks you to confirm the payer by name or number, any of the above should match Curative in your clearinghouse’s database. When in doubt, search for “CURTV” directly.
How to Submit Electronic Claims to Curative
Curative works with three major clearinghouses for electronic claims and remittance: Availity, TriZetto, and Optum Intelligent EDI (iEDI). You’ll route your 837 claim files through one of these platforms using the payer ID CURTV.
ERA files come back in the HIPAA-mandated ASC X12 835 5010 A1 format, which is the industry standard. If your billing software supports ERA auto-posting, this integrates cleanly.
Enrolling in EFT and ERA
To receive electronic payments and remittances from Curative, you need to enroll in both EFT (Electronic Funds Transfer) and ERA separately. Curative provides enrollment guides on their provider portal. The process involves your clearinghouse reaching out to Curative’s clearinghouse on your behalf, so start that conversation early if you’re new to the network.
Enrolling in both creates an end-to-end electronic workflow: claims go out, payments come in, and remittance advice posts automatically. That cuts down manual reconciliation time and reduces the chance of errors slipping through.
Paper Claims Option
Electronic submission is preferred, but paper claims are accepted. Send paper claims to:
Curative Health Plan
P.O. Box 1786
Austin, Texas 78767
For older provider manuals, you may see P.O. Box 15594, Austin, Texas 78761 listed instead. Always confirm the current mailing address through the Curative provider portal or your provider relations contact, as mailing addresses can change.
Appeals, Reconsiderations, and Claims Customer Service
Even clean billers deal with denials occasionally. Knowing where to send an appeal before you need to is worth your time.
- Claims Customer Service: 855-414-1083
- Appeals Fax: 877-734-6537
- Claims Reconsideration (Electronic): Resubmit using payer ID CURTV and identify it as a resubmission within your transaction
- Claims Reconsideration (Mail): Curative, P.O. Box 15594, Austin, Texas 78761
For provider relations questions, contact providerrelations@curative.com. Credentialing inquiries go to credentialing@curative.com.
Timely Filing and Overpayment Rules
Curative will notify you in writing of any overpaid claim within 180 days of the payment date. You then have 45 calendar days from receipt of that notice to respond, unless your provider agreement specifies otherwise. Keep tabs on your ERA postings so overpayment notices don’t catch you off guard.
The Curative Provider Network: What Changed in 2026
One thing providers need to know right now: as of January 1, 2026, Curative stopped contracting through the Aetna/First Health wrap network. The plan now routes members through the Cigna Healthcare PPO Network or the Curative Wrap Solution, which includes the HealthSmart Preferred Network.
This matters because any patient you saw as a Curative member under the old Aetna/First Health arrangement may now need to verify their in-network status under the new structure. Always run eligibility before appointments for Curative members, especially for patients who have been with you for a while.
Checking Member Eligibility
Availity is the primary portal for eligibility verification with Curative. You can also access Curative-specific payer spaces inside Availity Essentials, which include downloadable training guides and reference materials.
Before seeing any Curative member, confirm:
- That you’re currently in-network under the Cigna PPO or Curative Wrap Solution
- The member’s coverage effective date and plan type
- Whether the Baseline Visit has been completed (more on this below)
That last point matters more than you might expect.
Understanding the Curative Health Plan: What Members Need to Know
If you’re a member or an HR professional helping employees navigate their Curative benefits, the mechanics of this plan are different from traditional insurance in a few important ways.
Curative is an employer-sponsored health plan built around a straightforward model: one monthly premium, no copays, no deductibles, and no out-of-pocket costs for in-network care, including many prescriptions. It’s currently available to employees through employer groups, not through individual or marketplace enrollment.
The plan holds an A- (Excellent) Financial Strength Rating from AM Best, affirmed three years in a row as of 2025, which gives it credibility as a financially stable carrier.
The Baseline Visit Requirement
The Baseline Visit is the one condition standing between you and those $0 costs. Every Curative member must complete a Baseline Visit within the first 120 days of their plan’s effective date to keep the full benefit structure active.
This isn’t just a formality. The Baseline Visit includes:
- A comprehensive health assessment
- Bloodwork done in-office (no separate lab trip)
- A review of your medications and care history
- An introduction to your Care Navigator
- Health literacy coaching so you actually understand how to use your plan
If you miss the 120-day window, your $0 copay and deductible benefits may be affected. Get this scheduled early, ideally in your first two to three weeks of coverage.
What’s Covered Under the Curative Plan
For members who complete the Baseline Visit, covered in-network services at $0 include:
- Primary care visits
- Specialist appointments
- Hospital stays and outpatient procedures
- Telemedicine (through Teladoc for most states, NormanMD in Texas)
- Mental and behavioral health care
- Preventive care and wellness services
- Prescriptions from a broad formulary of preferred drugs
For non-preferred prescriptions, copays are $50 or $250 depending on the drug tier, filled at an in-network pharmacy.
The Curative Cash Card
Curative has expanded coverage beyond the traditional PPO model through the Curative Cash Card. This tool lets members access care at more than one million providers nationwide outside of strict network boundaries, still with no surprise bills. Providers are paid at the point of care, which eliminates delayed reimbursements and administrative back-and-forth.
For members in areas with limited in-network provider availability, this is a meaningful benefit worth understanding before you need it.
Prior Authorization With Curative
Some services require prior authorization before you schedule or perform them. Curative has a dedicated prior authorization lookup tool on their provider portal where you can search by CPT code to see what requires review.
For medical prior auth requests, submit through the Curative provider portal. Prescription prior authorizations go through a separate channel. The Pharmacy Benefit Manager (PBM) line is 888-647-8741.
If you skip prior auth on a service that requires it, you risk a denial that’s harder to overturn on appeal. Look it up first.
Curative for Providers: The Business Case
Billing offices generally like working with Curative for one practical reason: members have no out-of-pocket costs for in-network care, so there’s nothing to collect from patients at the point of service. No copay collection, no deductible tracking, no sending bills to patients who can’t pay them.
You bill Curative directly, and that’s the end of it. This reduces collections overhead, reduces write-offs, and makes the revenue cycle cleaner for practices with a Curative patient volume.
Curative has also reported that its model produces a 20% increase in primary care engagement and a 30% reduction in hospitalizations among member populations. For practices focused on value-based care metrics, those numbers reflect a patient population that actually shows up and engages with preventive care.
Frequently Asked Questions About Curative Health Insurance Payer ID
What is the payer ID for Curative health insurance?
The payer ID for Curative is CURTV. Use this when submitting electronic claims through any major clearinghouse, verifying eligibility, or enrolling in ERA. It covers professional, institutional, secondary, and eligibility transactions.
What clearinghouses does Curative work with?
Curative partners with Availity, TriZetto, and Optum Intelligent EDI (iEDI). Any of these can be used for claim submission and ERA retrieval. Availity is the primary portal for eligibility checks and provider tools.
Does Curative accept paper claims?
Yes. Paper claims go to Curative Health Plan, P.O. Box 1786, Austin, Texas 78767. Electronic submission is preferred for faster processing, but paper is accepted if your practice requires it.
Is Curative a PPO or HMO?
Curative operates as a PPO plan through the Cigna Healthcare PPO Network as of 2026. It previously used the Aetna/First Health wrap network but transitioned away from that arrangement on January 1, 2026.
What happens if a Curative member misses their Baseline Visit?
Missing the 120-day Baseline Visit window can result in the loss of $0 copay and deductible benefits. Members who miss it should contact Curative’s member services to understand their options and current benefit status.
What is the Curative Baseline Visit?
It’s a preventive health assessment completed within the first 120 days of enrollment. It includes bloodwork, a health review, medication reconciliation, and care navigator onboarding. Completing it keeps your full $0 benefits active for the plan year.
How do I verify a Curative member’s eligibility?
Use the payer ID CURTV through Availity or your clearinghouse to run an eligibility check. You can also access Curative’s provider portal directly for coverage verification and prior authorization lookups.
What is the Curative Cash Card?
The Curative Cash Card extends $0 care access to over one million providers nationwide, including those outside the standard PPO network. Providers are paid at the point of care, removing the need for claims submission in many cases.
Does Curative cover prescriptions?
Yes. Curative members have access to a large formulary of preferred prescriptions at $0 cost when filled at an in-network pharmacy. Non-preferred drugs carry a $50 or $250 copay per fill depending on the tier.
How do I join the Curative provider network?
Submit a provider interest form through the Curative website at curative.com/for-providers. A Provider Relations representative will follow up with credentialing and contracting steps. For general provider relations questions, email providerrelations@curative.com.
Getting Your Billing Right From Day One
Curative’s payer ID is CURTV. That’s the number to keep in your system, on your payer sheet, and in the hands of anyone on your billing team who touches Curative claims. Pair it with Availity for eligibility and ERA, confirm prior auth requirements before scheduling, and verify that your network status is current under the Cigna PPO or Curative Wrap Solution.
For members, the most important step is scheduling your Baseline Visit in the first few weeks of coverage. That single appointment unlocks the full benefit structure and sets up the care navigation support that makes Curative different from a standard employer plan.
If you want to go deeper on how employer-sponsored health insurance is changing, check out reuterings.com‘s coverage on preventive care trends, understanding your health insurance plan benefits, and how to evaluate employer health plan options.
