An often-asked question during a struggle with a substance use disorder, or for an individual struggling with addiction, is “how much will it cost me for care?” As people work out the answer for the millions of Americans who have traditional health insurance, the copays, deductibles and out-of-pocket limits can quickly add up, and the decision to seek treatment for addiction in rehab may quickly become a 5-figure question. For those who already have a health plan under their employers which may be a Curative health plan, however, there might be an easy answer: $0 copay, $0 deductible and no financial impediments standing in between you and receiving care.
We will talk about the nature of Curative Plans, expenses for addiction treatment, what behavioral health services a behavior health plan will help you with, the value of a unique type of insurance called the “baseline plan,” how it could come with you the greatest benefit if you are covered, plus how Florida Atlantic Coast Treatment Solutions can help you discover if you are covered in just 2 minutes.
Does Curative Insurance Cover Addiction Treatment?
Yes and comprehensively. All levels of addiction treatment must be in-network with a therapist. They’re available to Curative members free of charge, and provide the following:
All Curative members will have access to a Primary Care physician and a specialist (including specialists treating drug addiction and drug and alcohol use disorders) at $0 cost. A referral and/or initial assessment for addiction treatment is free of any fees.
Counselling and Therapy: Curative, This is one of the basic elements of any evidence-based drug or alcohol treatment program, access to counselling and therapy, including online. If the member requires, all of the above one-on-one CBT, group or family counselling is offered in the plan, with no copay.
Medication-Assisted Treatment (MAT): Curative provides $0 medications of choice to the members experiencing an Opioid Use Disorder, Alcohol Use Disorder or other substance use disorders that can be treated with MAT. When prescribed in the network, medications, such as buprenorphine, naltrexone and other FDA-approved medications are available for free.
Intensive Outpatient and Inpatient Programs: Virtual and in-person programs are available with personalized programs through Curative’s relationship with a Curative preferred partner, Recovery Unplugged, which offers a combination of substance abuse and mental health treatment. Intensive outpatient care (IOP) FL & TX online and inpatient care facilities.These services are included in a Curative member’s zero-cost package (for people age 18 or older) after the Baseline Visit.
Care Navigator Support: Also, each Curative member will have a team of folks, called Care Navigators, who will know the program and can help them determine what their options are, help them navigate the program and connect them with the level of care best suited to their goals and situations. This is very helpful to anyone who is new to treatment, or doesn’t know where to begin.
Signs It May Be Time to Seek Help
A professional treatment facility that has a prepackaged program might be of service if you are seeking a substance and it is interfering with other aspects of your life, relationships, work or health.
Some of these are indicators that are:
- Drinking more alcohol and/or drugs.
- Withdrawal symptoms
- Cravings
- Loss of control
- Avoiding being around family and friends whom they miss
- Mental health struggles
- Difficulty functioning normally
- Made several attempts to quit.
But if a person is able to get assistance when they are starting along the road to recovery, then it will be easier and safer.
Financial Relief Can Make Recovery Possible
If your family is considering rehab, you’ll most likely be spending thousands of dollars, an amount that may be too much for you. That’s why the health care model of Curative is being turned to by individuals seeking out low cost addiction treatment.
The possibility of:
- $0 copays
- $0 deductibles
- Sustaining services to enhance access to Behavioral Health.
- Simplified care coordination
- can drastically lower down the strain involved in obtaining medical treatment.
If you haven’t been able to do rehab, but were inspired to want to, consider your choices.
Why Zero Copay Addiction Treatment Matters
Most people’s #1 challenge to recovery is cost. There is a delay in action due to the fear of many.
- High medical bills
- Large deductibles
- Ongoing therapy costs
- Rehab copays
- Unexpected insurance expenses
If you’re not having health insurance with copay, you might be able to save a considerable amount of money.
All of these treatments today are now available for an affordable price:
- Earlier interventions available to aid a person seeking assistance
- Usually the patient will be able to get the benefits back.
- To eliminate stresses in the family in a large way, families have to change this.
- Ensuring continuity of care for children is an easier task.
- Therapy attendance increases
A drug and alcohol dependency becomes a form of chronic disease and isn’t indicative of the inability to succeed in life. One of the significant factors in successful recovery is access to trusted and easily accessible health care.
Prior Authorization: What to Expect With Curative
Among the biggest issues surrounding any insurance coverage along with dependency therapy is the prerequisite for a prior authorization, which requires insurance firms to approve of the strategies prior to or concurrently while they are actually available. Getting prior authorization to be admitted to the treatment program on site or for a residential treatment program may postpone admission to an inpatient treatment program for many traditional plans, thus preventing an individual from having the “window of opportunity” to obtain treatment.
Well, in Curative, that “someone” is right here and an eager team to provide some help, instead of a ton of paperwork which comes with a case in a traditional insurer. The Prior Authorization process in behavioral health and substance abuse treatment can be streamlined with the help of Curative’s preferred partners. The amount of requirements depends on the level of care and the facility but if doing admission duties, experience of working with admissions and staff knowing Curative’s network and protocols are important.
Every day at Florida Atlantic Coast Treatment Solutions (FACTS), our insurance experts are in agreement with Curative and other insurance companies. We know what should be documented, know how to put it in and know how to do it to ensure that we get approvals timely. We want to eliminate all of the “bets” or “red flags” between the care a member needs and the member.
Is Curative Available in Florida?
Yes. The company, Curative services in Florida and has a PPO network statewide. All of the Members in Florida are eligible for both In-Network behavioral health providers across the entire state as well as to Substance Use Treatment Providers. As part of Curative’s Recovery Unplugged partnership, intensive outpatient programs provided in Florida and an inpatient program in Fort Lauderdale are well-suited for people in Florida looking for in-depth treatment for addiction close to home.
As soon as they call up for the initial time, Florida Atlantic Coast Treatment Solutions is offered to be tangible and helpful to their Curative group in general as long as the therapy and recuperation process.
Choosing the Right Addiction Treatment Program
All drug and alcohol rehab facilities are not alike. Even with a fantastic insurance plan, best of all would be to still choose a treatment center that comes with:
- Evidence-based care
- Licensed clinicians
- Personalized treatment plans
- Mental health support
- Relapse prevention strategies
- Family involvement
- Aftercare planning
The right nurturing should attend to not just the healing, but the emotional healing, as well.
Curative has locations in a countrywide PPL network, so members are able to get the best treatment centers in the country if they’re needed.
How to Verify Your Curative Coverage for Addiction Treatment
When you have the proper team, it takes hardly any time to verify your benefits. It’s straight forward, it’s like this:
Step 1 – Find your Curative member ID card, or log into health.curative.com. They will have to be given information with respect to their Member ID, date of birth in addition to what’s their Group Number.
Step 2 – Call Florida Atlantic Coast Treatment Solutions. A member of your admissions staff will take your insurance information and will then call Curative to see what substance abuse and addiction treatment programs your insurance covers, if your insurance is in network with Curative and if there are any prearrangements you will need to make for your insurance.
In Step 3, ask for a brief explanation, either in person or from your loved one, for the benefits prior to your first admission step, and be assured of a $0 copay program. There is no hidden and no surprises.
In just a couple minutes you can complete the entire verification. The rest we will provide!
Call (844) 643-2287 so that a caring specialist can guide you through the different steps that you should follow to go through with recovery.
You Do Not Have to Let Cost Stand in the Way of Recovery
There is no discrimination with addiction, but Curative’s benefit structure of paying for your copay does not differentiate. From alcohol dependency to opioid dependency, stimulant dependency or any co-occurring mental health issues, your Curative plan will ensure that you can deal with the very best treatments.
Every day, Florida Atlantic Coast Treatment Solutions collaborates with Curative members to provide that benefit as action-packed living is transformed into a life-changing treatment. You know how much help and care you require when you are looking for treatment and our staff is ready to make it as smooth as they can.
Take the First Step – Verify Your Curative Coverage Today.
Verify if you are covered. Personal Call Today to Florida Atlantic Coast Treatment Solutions.
Not ready to call? You can use our live chat to ask us questions about Curative coverage, substance abuse treatment and the admissions process when it’s convenient for you, at your own pace.
The personnel at Florida Atlantic Coast Treatment Solutions understand how to assist individuals and households in dealing with the insurance procedure to make sure they receive the essential addiction treatment. It is easy to feel nothing to fear, because we’re connected to Curative, and we have a large insurance network to allow for access to life-saving care.
Call us today and talk with a treatment specialist and start living a healthier alcohol-free life.
Disclaimer: This 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.
Curative Insurance & Treatment FAQs
Does Curative insurance cover therapy?
Most Curative insurance plans provide comprehensive coverage for mental health therapy and behavioral health services. Members typically benefit from $0 copays and $0 deductibles for in-network outpatient therapy, ensuring affordable access to essential mental healthcare and support.
What are examples of curative treatments?
Curative treatments aim to resolve a health condition entirely. Examples include antibiotics for bacterial infections, surgical removal of a tumor, or chemotherapy designed to eliminate cancer. Unlike palliative care, the primary goal is a complete and lasting recovery.
What kind of insurance is Curative?
Curative is a modern health insurance issuer that offers employer-sponsored PPO plans. It is unique for its “incentive-based” model, providing $0 deductibles and $0 copays for members who complete a baseline wellness physical within their first 120 days.
Does curative mean curable?
While related, “curative” refers to the intent of the medical treatment or intervention, whereas “curable” describes a condition’s capability of being healed. A curative treatment plan is the active path taken to reach a curable outcome for the patient.
What is the 2-year rule in therapy?
The “2-year rule” generally refers to ethical guidelines preventing therapists from entering personal or romantic relationships with former clients for at least two years after termination. This protects the therapeutic bond and ensures professional boundaries remain intact over time.
How to detox with no insurance?
If you lack insurance, look for state-funded detox centers, non-profit organizations like the Salvation Army, or SAMHSA-funded programs. Many local health departments offer sliding-scale fees based on income to provide safe, medical stabilization regardless of financial status.
How do drug addicts afford rehab?
Individuals often afford rehab through specialized financing, state-funded grants, or scholarships provided by facilities. Many also use Medicaid, the Affordable Care Act (ACA) marketplace plans, or personal loans and crowdfunding to cover the costs of life-saving addiction treatment.
What is the most successful treatment for addiction?
The most successful approach is usually a comprehensive, integrated treatment plan. This combines medically supervised detox, evidence-based behavioral therapies like CBT, and long-term aftercare support tailored to the individual’s specific physical and psychological needs for lasting sobriety.
How to get addiction free?
Achieving a life free from addiction begins with professional medical detox, followed by intensive counseling to address underlying triggers. Success requires a commitment to long-term maintenance, including support groups, lifestyle changes, and developing healthy coping mechanisms for permanent recovery.
