Find a therapist in-network with Curative

Yes! Curative covers therapy with licensed therapists and psychologists through its partnership with Rula. Whether you're working through anxiety, depression, trauma, or relationship challenges, your care is covered.

Curative members who complete their Baseline Visit within 120 days pay $0* per session through Rula. We verify your exact out-of-pocket cost before your first appointment—no surprises.

Mental health services through Rula are currently available in Texas, Florida, Colorado, Washington, and Connecticut, with counseling services also available in Georgia.

Your cost depends on whether you've completed your Baseline Visit within the first 120 days of enrollment. This simple preventive care visit unlocks $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care.

Typical costs by plan type:

• Curative PPO: $0* per session (after Baseline Visit)

• Curative EPO: $0* per session (after Baseline Visit)

• Curative PPO Max: $0* per session (after Baseline Visit)

• Curative EPO Value: $0* per session (after Baseline Visit)

• Before Baseline Visit: Standard contracted rates apply until visit is completed

We check your coverage during signup and show you the exact cost before booking.

Appointments are available as soon as tomorrow through Rula's partnership with Curative. Most Rula patients meet with their provider within 5 days, with flexible scheduling including:

• Next-day availability

• Evening and weekend appointments

• Early morning and late evening slots

You can complete registration and book your first session in as little as 3 minutes—no referral from your primary care physician required.

Absolutely! All Rula therapists offer secure video therapy that's fully covered by Curative at the same $0 rate as in-person visits (after completing your Baseline Visit). Online therapy gives you:

• Sessions from the comfort of your home

• Easier scheduling with more availability

• Access to specialists who may not be nearby

• Same quality care as in-person treatment

You'll need a computer, tablet, or smartphone with a camera and microphone, plus a private space where you can talk openly. You must be physically located in the same state as your therapist during sessions.

No. Curative plans do not require a referral for mental health services. You can book directly with any Rula therapist and start therapy. If the first match isn't right, you can change therapists anytime.

Through Curative's partnership with Rula, you have direct access to 15,000+ therapists specializing in your specific needs, with appointments available as soon as the next day.

Rula's therapists specialize in over 90 different conditions, with Curative covering all medically necessary care:

Common conditions:

• Anxiety and panic disorders

• Depression and mood disorders

• Stress and burnout

• Trauma and PTSD

• Relationship and family issues

• ADHD and focus challenges

• Grief and loss

• Life transitions and adjustment

Specialized areas:

• Eating disorders and body image

• OCD and compulsive behaviors

• Substance use and addiction support

• Chronic pain and illness

• Gender Identity

• Postpartum and perinatal mental health

All providers are licensed professionals who specialize in evidence-based treatment approaches including CBT, DBT, ACT, EMDR, and more.

Yes—you can switch therapists anytime at no additional cost. Finding the right fit is essential for successful therapy, and we make it easy to try someone new.

94% of Rula patients found a provider they feel comfortable with. Rula's matching algorithm considers ~500,000 preference combinations to recommend providers based on clinical needs, gender, language, and cultural background—achieving a 97% exact match rate.

Therapists provide talk therapy to help you work through emotional challenges, develop coping strategies, and change behavioral patterns. Therapy sessions are typically 50-60 minutes.

Psychiatrists are medical doctors who can prescribe medication for mental health conditions. They often combine medication management with brief therapy sessions.

Many patients benefit from both: therapy for ongoing support and skill-building, plus psychiatry for medication when needed. Your Curative coverage includes both services through Rula. Psychiatry services are available for ages 13 and up, while therapy is available for ages 5 and up.

Yes. Your sessions are completely confidential—your therapist cannot share information about your care with Curative, your employer, or anyone else without your written consent.

Limited exceptions where therapists must report include:

• Risk of harm to yourself or others

• Suspected child or elder abuse

• Court order (rare situations)

Your therapist will discuss confidentiality and privacy during your first session so you know exactly what to expect.

Yes! Mental health therapy is a qualified medical expense for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). However, since Curative members who complete their Baseline Visit pay $0* for therapy sessions, you typically won't need to use HSA/FSA funds.

If you haven't completed your Baseline Visit yet, you can use pre-tax HSA/FSA dollars for:

• Therapy session copays

• Any applicable coinsurance amounts

This effectively reduces your therapy costs by your tax rate (typically 20-30% savings). Rula provides detailed receipts compatible with HSA/FSA requirements.

The Baseline Visit is a simple preventive care appointment that unlocks Curative's $0 copay, $0 deductible benefits for in-network care. Here's what you need to know:

• Complete your Baseline Visit within 120 days of enrollment

• Can be done virtually or in-person with any in-network provider

• Takes about 30 minutes and includes a health assessment

• Once completed, all in-network therapy sessions are $0*

Until you complete your Baseline Visit, standard contracted rates apply. We show your exact cost before booking. After completing your Baseline Visit, your copay drops to $0* for all in-network care, including therapy and psychiatry.

Yes! Curative covers all evidence-based therapy approaches at the same $0 rate* (after completing your Baseline Visit), including:

• EMDR (Eye Movement Desensitization and Reprocessing) for trauma

• DBT (Dialectical Behavior Therapy) for emotion regulation

• CBT (Cognitive Behavioral Therapy) for thought patterns

• ACT (Acceptance and Commitment Therapy) for values-based living

• IFS (Internal Family Systems) for parts work

• EMT (Emotional Focused Therapy)

Your therapist will use the approaches best suited for your specific needs and goals. All modalities have the same $0 copay through Curative* after completing your Baseline Visit.

Therapists must be licensed in the state where you're physically located during sessions. However, many Rula therapists hold licenses in multiple states, which helps:

• Frequent travelers who split time between states

• Remote workers relocating temporarily

• College students attending school in another state

• People living near state borders

Curative covers your therapy regardless of your therapist's home location, as long as both you and your therapist are licensed/located in the same state during the session. Search our directory for therapists licensed in your state.

Curative's mental health services through Rula are currently available to members in Texas, Florida, Colorado, Washington, and Connecticut, with counseling services also available in Georgia.