CURAEAdvocate  ·  Insurance Enrollment & Premium Assistance

For CFOs, revenue cycle, and patient access leaders at U.S. health systems.

Turn uninsured accounts into billable commercial claims before the procedure.

We enroll your eligible uninsured and underinsured patients in commercial coverage and provide the premium assistance that makes it affordable, so scheduled care can proceed and your uncompensated care turns into reimbursed claims.

Fully contingent. You pay only on the dollars you actually recover.

Patients access coverage with no credit application, no credit reporting, and no repayment.

Request My Recovery Estimate →

We build the estimate from your data and send it over. No meeting required to see the numbers.

The Problem

Every uninsured patient who cannot pay costs you more than the write-off.

Doing nothing is also a decision, and it has a price.
  • The same patient returns as self-pay at the next episode, and the uncompensated care repeats.
  • Charity care and bad debt keep absorbing revenue a commercial claim could have captured.
  • Cancelled procedures move volume, and the patient, somewhere else.

When a patient presents with no coverage, or sits in a delinquent grace period, and has no path to pay, you absorb three things at once.

  • The cost of care, delivered with no reimbursement against it.
  • The administrative burden of charity care screening, documentation, and processing.
  • The procedure itself, cancelled at financial clearance, with continuity of care broken before it begins.

And the pressure is structural, not cyclical.

37MUninsured Americans projected by 2036, up from 30M in 2026CBO, Federal Subsidies for Health Insurance 2026 to 2036, July 2026
13.1MFewer Medicaid enrollees by 2035CBO, The Budget and Economic Outlook 2026 to 2036, February 2026
3.8MMore uninsured by 2035 as enhanced ACA subsidies expireCBO, Estimated Effects of Selected Health Coverage Policies, September 2025
What We Do

We convert eligible uninsured patients into covered patients before service.

We find the financially vulnerable patients with complex care paths who do not qualify for Medicaid, enroll them in ACA or COBRA coverage, and provide the premium assistance that makes it affordable at no cost to the patient. We also support enrolled ACA patients inside the delinquent grace period to secure their coverage.

1

Identify

Your staff flag a patient with a single click at financial clearance. CURAE advocates also run direct outreach to patients who appear to qualify, then screen for marketplace and COBRA eligibility.

2

Enroll and assist

The patient enrolls and CURAE provides the premium assistance that makes the coverage affordable. No credit application, no credit reporting, no repayment.

3

Bill and reimburse

Care proceeds on the original schedule and the claim goes out as a commercial claim.

It runs inside Epic, not beside it.*

Staff-assisted referrals. Connect a patient to a CURAE advocate with a single click, embedded directly in your Hyperspace registration and billing workflows.

Status flows back. Coverage and case updates sync directly to the billing system, keeping staff informed without requiring a separate tool.

One integration, system-wide. Deploy CURAE across your network through a single Epic integration, without managing a separate system.

* Epic is referenced because it is the most common environment among the health systems we work with. CURAE also integrates with Oracle Health (Cerner) and MEDITECH. We confirm the specifics for your environment during the working session.

No coverage at all

Patients facing surgery or ongoing treatment with no insurance and no realistic path to pay the balance.

Lapsed marketplace plan

Claims denying because premiums stopped. Caught inside the grace period, coverage is restored and claims are resubmitted.

Just lost employer coverage

Patients still inside the COBRA election window, where coverage can apply to care already delivered.

Why CURAE

Screening tells you the patient has no coverage. We give them coverage.

What most systems have in place either writes the balance off or confirms the patient cannot pay. Neither one produces a billable claim.

Comparison Charity care Eligibility vendors CURAEAdvocate
The patient ends up with A written-off balance and still no insurance A determination, often that they do not qualify Real commercial coverage they can actually use
You end up with Uncompensated care on the books The same uninsured account, now documented A billable commercial claim
Next episode of care Starts over as self-pay Starts over as self-pay Patient is still insured
What it costs you The full cost of care Fees regardless of outcome Contingency, only on dollars recovered
Request My Recovery Estimate →
Proof

What the program returns.

Sponsorship results at a $6B NPR health system
$7M

in reimbursements recovered in the first six months after go-live.

248Patients enrolled and supported
$35MIn gross charges covered
$1.3MAverage monthly reimbursements across the most recent three months

Actual results at a single health system, not a projection. Results vary by service-line mix, uninsured volume, and state marketplace conditions. We build an estimate on your data before any commitment.

Patient case · Transplant

A transplant evaluation denied for lack of coverage.

  • Patient with decompensated cirrhosis referred to a regional liver transplant program.
  • Transplant evaluation declined because the patient had no insurance.
  • Patient financial services referred the case to CURAE, which provided the premium assistance to secure coverage and let the evaluation move forward.
$200–250K Exposure mitigated, gross charges

✓ Transplant evaluation reinstated

Where the return is largest

Coverage applies to care ahead of the patient, not care already delivered, so the strongest results come from service lines with significant future spend.

  • Oncology, infusion
  • Transplant
  • Major surgery
  • High-utilization chronic illness

Patient cases are de-identified and reflect individual outcomes. Program results reflect one health system over a specific reporting period and are not a guarantee of future outcomes. Results vary by patient, coverage availability, service-line mix, and geography.

Request Your Estimate

See what the program would recover at your system.

You do not need to pull numbers together first. Our team builds the estimate from your data using the CURAE ROI model.

  • A modeled annual recovery range for your uninsured population
  • Your service lines scored for recovery potential
  • A three-year view you can take to your finance committee

We tell you exactly which data points we need, and most of it your finance team already reports. Program economics and the supporting compliance opinions are shared under NDA.

November Open Enrollment is the largest single enrollment window of the year. Implementation runs against that calendar, so the start date decides how much of it you capture.

Request your estimate

We come back with a range built on your numbers.

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We reply within one business day with the short list of data points we need. Your information is used only to prepare and discuss your estimate, and is handled per our Privacy Policy.

Questions

What finance and compliance leaders ask first.

Charity care writes off the balance after the fact. CURAE makes the patient an insured patient before service, so the claim is billable at commercial rates and the patient carries real coverage for the calendar year. Your uncompensated care burden is reduced rather than deferred.

CURAE is paid on a fully contingent basis, only on the dollars you actually recover. There is no upfront cost and no risk to the health system if enrollment volume does not materialize. The contingency rate is set during the working session, based on volume and service-line mix.

Coverage does not simply lapse at year end. Before it does, your care management and patient access teams review the patient’s episode of care and future needs together with CURAE’s certified application counselors. If the patient still needs care and remains financially challenged, assistance continues into the following year so coverage stays in place.

CURAE advocates help patients understand their available coverage options based on their individual needs, including provider networks, costs, medications, and treatment coverage. When continued access to specific health systems, providers, medications, or treatments matters to the patient, advocates help identify plans that meet those needs while supporting the patient in making their own informed plan selection.

CURAE starts where their work ends. Patients your vendor determines are ineligible for government programs are handed to our team, so nobody falls through the gap between the two programs.

No. CURAE employs the on-site advocates who work alongside your case management and patient financial services teams, and the program runs inside your existing Epic workflows rather than as a parallel system to stand up.

The program is designed for patients who do not qualify for Medicare, Medicaid, or other government-sponsored coverage, and CURAE does not steer eligible patients away from those programs. Patients select and hold their own coverage, with premium assistance provided directly to them through an account in their name, based on clear and consistent financial-need criteria. The structure has been reviewed by counsel against federal guidance. Because the detail matters more than a summary can carry, our compliance team walks your legal and compliance leads through the full structure and the supporting opinions under NDA before anything goes live.

CURAE operates as an extension of the health system under a BAA, which allows patient information to be shared for program operations in accordance with HIPAA without requiring separate patient authorization. For digital patient outreach, CURAE respects applicable patient consent and communication preferences.

Patient Financial CURAE Access Platform

Patient cases are de-identified and reflect individual outcomes. Program results reflect one health system over a specific reporting period and are not a guarantee of future outcomes. Results vary by patient, coverage availability, service-line mix, and geography. CURAE operates as a business associate of the health system under a BAA.

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