AUSTIN, Texas & LOS ANGELES — Curative Insurance Company and Rula Health have announced a groundbreaking partnership to deliver mental health services at no cost to Curative’s members across the United States. The collaboration will integrate Rula’s comprehensive mental health services into Curative’s insurance plans, allowing eligible members aged 5 and older to access therapy and psychiatric services through Rula’s nationwide network of over 15,000 providers.
The new benefit, which includes individual, couples, and family therapy, as well as psychiatry services for individuals aged 13 and older, will be available at $0 copay and $0 deductible*. This initiative aligns with Curative’s preventive care model, offering members expanded access to high-quality, in-network mental health care without the financial barriers that often prevent people from seeking treatment.
“Mental health is foundational to whole-person care,” said Fred Turner, CEO and Co-founder of Curative. “By partnering with Rula, we’re empowering our members to address behavioral health needs early with personalized, evidence-based interventions, all for $0. This partnership is a step toward eliminating barriers to care, whether physical or psychological.”
Rula’s platform uses a sophisticated algorithm to match members with providers based on factors such as clinical needs, gender, language, and cultural background. This precise matching algorithm has a 97% success rate in delivering the right provider for each individual. Rula also prioritizes quick access to care, with appointments available as soon as the next day.
This partnership marks Rula’s first national plan to offer mental health services with no cost-sharing, focusing on accessible and transparent pricing. There are no subscription fees, hidden charges, or out-of-pocket costs for patients and providers, ensuring that members can focus on their health without worrying about financial burdens.
“Rula’s mission to make mental healthcare accessible for all aligns perfectly with Curative’s proactive approach to equitable care,” said Gabe Diop, Co-founder of Rula. “By integrating our services into Curative’s plans, we’re reducing fragmentation between physical and behavioral health and ensuring clinical excellence across both domains. It’s time for the market to treat mental health with the same preventative approach as primary care.”
High costs often prevent individuals from seeking mental health treatment. A recent survey revealed that more than 40% of insured adults who needed mental health care delayed treatment due to cost concerns. Furthermore, many health plans struggle to provide sufficient in-network behavioral health providers, resulting in delays or the need to seek out-of-network care. Only 44% of employers report having enough in-network behavioral health providers to ensure timely access.
Curative’s health plan, currently available to employers in Texas, Florida, and Georgia with 50 or more employees, covers over 1 million providers nationwide. Members can qualify for the $0 copays and $0 deductibles by completing their Baseline Visit within 120 days of the plan’s effective date*.
About Curative
Curative is transforming the health insurance landscape with a first-of-its-kind employer-based plan, offering an A- rating from AM Best. The company’s mission is to eliminate financial barriers to care and provide exceptional value, improved health, and peace of mind to its members. With a focus on affordability, engagement, and simplicity, Curative continues to redefine health insurance, leveraging experience gained from leading the national COVID-19 testing effort.
About Rula Health
Rula Health offers individuals, couples, and families access to in-network mental health care through a network of more than 15,000 licensed providers nationwide. The platform facilitates quick access to therapy and psychiatric services, with next-day appointments and 24/7 crisis support. Rula’s easy-to-use platform matches patients with the right provider, confirms out-of-pocket insurance costs, and tracks progress, ensuring a seamless mental health journey for all users.
