When a person or family member is thinking about addiction treatment, there is little else they would want than to have complete bafflement about whether the policy will provide coverage for a loved one’s addiction treatment in the facility. The most frequently asked questions with all of our Curative health plans are “Will they accept our plan?” and “How, or how much will it cost?”
Let’s break down here how Curative works, the meaning behind the in-network status and how you can verify coverage before you get started.
Understanding Curative’s PPO Network
The difference for those seeking an addiction treatment program is a big one between Curative and a Preferred Provider Organization (PPO). Unlike with an HMO (Health Maintenance Organization), the members are limited to clinics and other services in a local health plan. A PPO plan is a plan with many health care providers across the country, for which you often do not need a referral. This is particularly important with regard to treatment for behavioral health or substance use disorder.
More than 940,000 healthcare professionals in a country can be accessed via the network overview and 5,000 hospitals and 16,000 Care Facilities. For Curative, the structure of their plan means that financial access issues can be held at bay; if a plan member completes a required Baseline Visit, then all of the financial access costs associated with care are at $0 copay, deductible and annual out-of-pocket maximum. This is one of the lowest-cost plans for employers today provided they have insurance coverage.
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We’re here for you—completely confidential and always respectful of your privacy. Call us today!
Why PPO Networks are Better for Addiction Treatment
Here are a couple of down-to-earth factors why it makes a difference for addiction treatment specifically:
No referral required: Treatment Centers will be available to be accessed at any time you would require treatment, without a referral from your Primary Care Physician. If something matters, then it’s a plus if it’s done at an opportune moment, that is.
Broader provider access: There are many treatment centers, including medically supervised detoxification, residential treatment, intensive outpatient (IOP) and aftercare centers in Curative’s national network. You don’t have to take just any type that you see.
Predictable costs: The $0 cost-sharing means you won’t have any “out of the network” surprises up until then, of course, if you are aware you are receiving in-network care.
Access to Care: There are several medical and psychiatric services as well as treatment services provided by addiction treatment centers. The more complex the network, the more likely it is that they’ll be in one plan of a PPO.
📞 Let Our Team Verify Your Curative BenefitsDon’t navigate insurance questions alone. The admissions coordinators at Orlando Treatment Solutions will verify your Curative insurance coverage, confirm in-network status, and outline your full benefits at no cost and with complete confidentiality. One call is all it takes to get started. |
Does Orlando Treatment Solutions Accept Curative Insurance?
Orlando Treatment Solutions is in-network with a variety of insurance carriers, such as Curative and their admissions team can easily verify your benefits in no time. This is one golden rule that it is important to keep in mind: Voluntary insurance networks change! Providers are updated regularly and assuming when using a general directory that the information is up to date, it is more likely to be an accurate, direct verification.
How to Check If Curative Insurance is Accepted: 3 Reliable Methods
There are three steps to determine if the facility is a Curative in-network provider for your plan, Orlando Treatment Solutions is one of them:
Method 1: Contact Orlando Treatment Solutions Directly
The quickest and most assured route to take is to deal with the admissions team at Orlando Treatment Solutions. All insurance verification will be completed on your behalf with full explanation of your insurance plan, services covered and any authorization requirements; services are free to our staff. Usually takes less than 24 hours, and helps to facilitate a seamless and timely admission process.
Method 2: Use the Curative Provider Search Tool
Curative provides the members with an online Provider Search at curative.com/providers. The options for you include giving information regarding your plan and location, and looking through the currently in network providers list. Keep in mind though that new facilities can be added to the online facility directory, but will not be added in until after the contract has been executed. Unfortunately, sometimes Orlando Treatment Solutions is not available upon first trying to get their name. If this occurs, contact our team.
Method 3: Call Curative Member Services
A Member Services team at Curative can confirm if a provider is in your plan network or not. The member services number that is on the back of your Curative insurance card. Providing the name of the facility (Orlando Treatment Solutions), the address, and the NPI number will allow the facility representative to check the network to determine the network’s status.
Understanding Your Curative Benefits for Addiction Treatment
When Orlando Treatment Solutions is in-network, those with Curative insurance who accept it as accepted are in the most advantageous level of their insurance’s benefits package. Typical examples of all that are usually involved are that:
- $50 deductible for out-of-network care (after your Curative Baseline visit) The individual does not pay any coinsurance for in-network services.
- You won’t pay any out-of-pocket maximum, or none is applied to the amount of covered care that costs you money.
- No maximum of life long benefits notably longer or progressive treatment!
- Support of visits by phone, as part of treatment or after-treatment, to complement the face-to-face visit.
Note: Any member who has not had a Baseline Visit within 120 days of the plan starting must have one to receive $0 network care from Curative. In addition to the above, there is another level of cost sharing and it has a $5,000 individual deductible and 20% coinsurance for those members who have not had a Baseline Visit.
As always, the most important step to getting the most out of and benefiting from the treatment is to first get a diagnosis confirming you are in the right area to be treated at Orlando Treatment Solutions.
Curative’s Care Navigator Support
One of the advantages of Curative’s benefits is the Care Navigator program. Curative’s Care Navigators provide bilingual support to members to schedule and make referrals and offer a member understanding of their coverage, especially those who may have more complex behavioral health needs.
Orlando Treatment Solutions offers a Care Navigator who will communicate with experts in your network (where appropriate) and make referrals and Orlando Treatment Solutions responds to any of your questions regarding Coverage in your plan’s language. Contact Curative Member Services here, curative.com, or simply call the number on your insurance card.
Common Reasons Why a Facility May Not Appear in Initial Searches
One of the reasons for Curative’s difference is it offers a variety of basic insurance plan offerings and also Care Navigator. Bilingual Care Navigators assist members with information on coverages, scheduling an appointment and referral assistance (particularly behavioral health) and with multiple providers.
A Care Navigator can also support you with care navigation and provide you with information and answer your questions, not much still. Please give them a call on the member portal at health.curative.com with one of the numbers listed on your Info Card.
A facility might not be seen in a first search for several reasons. Beware, though, that Curative’s Directory doesn’t mean that the rehab center will be “out-of-network. In most situations, there are two reasons why individuals might not be in the list of providers:
Enrollment timing: Wait times for the contract to be finalized from the date the contract shows up in the internet directory can be a few days to a few weeks.
Plan-specific networks: In addition to the above, Curative might provide several networking discounts including but not limited to PPO plans, PPO+ (enhanced PPO) plans, PPO Max plans and EPOValue plans and the definition of “in-network” could be different for each plan. Your Plan is personal to you!
Search criteria: Better results will be obtained by searching for a specific type of facility, rather than a specific facility, for example, “behavioral health” instead of “facility” or “substance use disorder treatment” instead of “facility”.
Directory lag: There might have been some time lag in getting updates in the current directory and they will update regularly.
But if any of these circumstances are present, call Orlando Treatment Solutions or Member Services, who will provide a better response than the Directory will, by itself.
Struggling to regain balance? Contact Orlando Treatment Solutions for confidential help.
Why Choose Orlando Treatment Solutions?
Orlando Treatment Solutions is a committed therapeutic service provider, competent to provide proven and well-known addiction treatments and a Central Florida addiction treatment center. The programs are designed for all types of substance abuse and addiction disorders and mental health issues, and are treated with a custom-made, tailored treatment plan without a doubt that will meet your individual needs in the treatment process.
We realize that it may be challenging to secure insurance due to the crisis and have included a step-by-step process below to make it as easy as possible. This is required and will need to be secured from Curative, in conjunction with your provider working with you to ensure that this information is obtained. You can just focus on taking that initial step towards healing.
Take the Next Step Today
If a person has Curative insurance, they are able to receive treatment without a wait at Orlando Treatment Solutions. All this will take about 2 minutes and we’ll be there to assist you step-by-step.
If you’re looking for Curative insurance-accepted facilities, you’ll want to understand more about the Curative PPO addiction network and/or to simply check if your Curative Insurance is accepted at any facility located in Orlando. It’s easy to find answers. When you find yourself stuck in the insurance wars over your rescue plan and debtor’s prison, it’s time to look for loopholes, and Orlando Treatment Solutions will help you take an active and proactive role in conquering the invisible.
✅ We Accept Curative Insurance – Call to Verify & Enroll Now Contact Orlando Treatment Solutions today to confirm your Curative benefits, understand your coverage, and begin your admissions process. Our team is available around the clock to answer your questions with compassion, expertise, and complete confidentiality. Your recovery starts with one call. Make it today. |
Insurance & Provider FAQs
What provider network does Curative use?
As of 2026, Curative utilizes the Cigna Healthcare® PPO Network for its members. This partnership provides broad national access to a vast array of doctors, specialists, and hospitals, ensuring comprehensive coverage and high-quality care across the country.
Is Curative the same as Aetna?
No, Curative and Aetna are separate companies. While Curative previously utilized the Aetna/First Health network for some services, it now operates independently with its own unique $0 out-of-pocket plan structure and currently utilizes the Cigna PPO network.
Does health insurance cover typhoid?
Yes, most comprehensive health insurance plans cover typhoid treatment, including hospital stays, diagnostics, and medications. For travelers, the typhoid vaccine is often covered under preventative care benefits or specific travel insurance riders, depending on your policy details.
What are the top 3 health insurances in the USA?
Based on 2026 market share and member enrollment, the top three health insurance providers are UnitedHealthcare, Elevance Health (formerly Anthem), and CVS Health (Aetna). These carriers lead the industry in national network size and diversified plan options.
Is Curative an insurance carrier?
Yes, Curative is a licensed health insurance carrier. They provide employer-based health plans designed to simplify the member experience by offering $0 deductibles and $0 copays for in-network care when members complete a qualifying baseline wellness visit.
What is the rating of Curative Insurance?
Curative Insurance Company maintains an “A” (Excellent) rating from Weiss Ratings for its financial stability and capitalization. While a newer carrier, they demonstrate strong liquidity and have seen significant enrollment growth due to their innovative, cost-transparent insurance model.
Disclaimer: This blog content is intended for informational purposes and does not constitute medical or legal advice. Coverage details may vary based on your specific Curative plan. Contact your Care Navigator or review your plan documents for complete benefit information.
