Using Curative Insurance for VirtualCare2go Appointments

Confirm Your Curative Plan Before Scheduling Care

A virtual medical appointment may make it easier to receive care when traveling to a clinic is inconvenient or unnecessary for the concern being evaluated.

VirtualCare2go® lists Curative among its accepted insurance options. Coverage still depends on the member’s exact plan, network, provider, requested service, and eligibility on the appointment date.

Review the VirtualCare2go Curative insurance page before scheduling.

Does VirtualCare2go Accept Curative?

Eligible Curative members may be able to use their benefits for a VirtualCare2go appointment.

However, an insurance company may offer multiple networks and employer plans. Participation in one Curative network does not necessarily mean participation in every Curative plan.

Confirm:

• Your coverage is active

• VirtualCare2go is in your exact network

• The scheduled provider is in network

• Virtual urgent care is a covered benefit

• Your plan does not require a different platform

• A referral is not required

• Prior authorization is not required

• You understand your deductible and cost-sharing

• Testing and prescriptions have separate benefits

• Follow-up care is covered

What May Be Appropriate for Virtual Care?

An online urgent-care appointment may be appropriate for stable concerns such as:

• Allergies

• Cold symptoms

• Cough

• Congestion

• Mild fever

• Flu-like symptoms

• Sinus concerns

• Sore throat

• Pink eye

• Rashes

• Mild skin infections

• Insect bites

• Constipation

• Mild diarrhea

• Nausea or vomiting without severe dehydration

• Headaches without emergency symptoms

• Urinary concerns

• Vaginal symptoms

• Other non-emergency conditions

Clinical appropriateness depends on the patient’s symptoms, age, health history, and the healthcare professional’s judgment.

What May Require In-Person Evaluation?

Virtual care may not be sufficient when the patient needs:

• A hands-on examination

• Diagnostic imaging

• A procedure

• Specimen collection

• Treatment of a serious wound

• Evaluation of a possible fracture

• Continuous monitoring

• Emergency treatment

A provider may recommend a clinic, laboratory, imaging center, specialist, urgent-care facility, or emergency department.

How Do You Prepare for the Appointment?

Have the following ready:

• Your Curative insurance card

• Government-issued identification

• Medication and supplement list

• Medication and food allergies

• Preferred pharmacy information

• Symptom start date

• Relevant medical records

• Recent laboratory or imaging results

• Temperature or blood-pressure readings

• Referral or authorization documents

• A charged device

• A reliable internet connection

Use a well-lit private area and test your camera and microphone before the appointment.

What Should You Ask Curative?

Call the member-services number on your card and ask:

• Is VirtualCare2go in my network?

• Is the scheduled healthcare professional in network?

• Are online urgent-care visits covered?

• Do I have to use a specific virtual-care platform?

• Is a PCP referral required?

• Is prior authorization required?

• Does my deductible apply?

• What is my copay or coinsurance?

• Are prescriptions covered separately?

• Are laboratory tests billed separately?

• Must I use a designated pharmacy or laboratory?

• Are follow-up appointments separately billed?

• What amount may I owe?

Request a reference number for the conversation.

What Happens During the Appointment?

The healthcare professional will review your symptoms, health history, medications, allergies, and other relevant information.

Depending on the evaluation, the care plan may include:

• Home-care guidance

• A non-controlled prescription when appropriate

• Laboratory testing

• In-person follow-up

• Primary-care follow-up

• Specialist evaluation

• Emergency instructions

No particular diagnosis, prescription, test, or treatment is guaranteed.

Are Prescriptions Automatically Covered?

No. Medical and pharmacy benefits are separate.

Before filling a prescription, confirm:

• The pharmacy is in network

• The medication is covered

• Prior authorization is not required

• Step therapy does not apply

• Quantity limits do not apply

• A covered alternative is available

Are Laboratory Services Included?

Laboratory services are generally separate from the virtual appointment.

Confirm the laboratory’s network status, test coverage, authorization requirements, deductible, coinsurance, and any separate specimen-collection charge before completing non-emergency testing.

Can You Use VirtualCare2go Anywhere in Texas?

Eligible patients may connect from throughout Texas, including Dallas–Fort Worth, Arlington, Farmers Branch, Brownwood, Houston, Austin, El Paso, San Antonio, and other Texas communities.

The patient should generally remain physically located in Texas during the appointment.

When Is Virtual Care Unsafe?

Call 911 for severe chest pain, severe breathing difficulty, stroke symptoms, seizures, loss of consciousness, uncontrolled bleeding, major trauma, a severe allergic reaction, or another potentially life-threatening condition.

Do not wait for a scheduled video visit during an emergency.

Connect With VirtualCare2go

Curative members may be eligible for covered VirtualCare2go appointments, but network participation and benefits must be verified for the exact plan.

Visit VirtualCare2go or call (817) 508-8169 for assistance.

Medical disclaimer: This article provides general educational information and does not replace professional medical advice, diagnosis, treatment, or emergency care. Coverage, networks, authorizations, and patient costs vary by plan.