Does Curative cover EMDR therapy?
Yes, Curative covers EMDR therapy under its behavioral health benefits, billed as standard psychotherapy (CPT codes 90834, 90837). Curative is the Austin-launched health plan built around $0 copays and $0 deductibles for in-network care once you complete a Baseline Visit within 120 days of enrollment — which can make EMDR effectively free for members. Loma is in-network with Curative.
Curative EMDR coverage details
Curative is an employer-sponsored health plan launched in Austin and now available across Texas metro areas including Dallas-Fort Worth and Houston. Its defining feature: members who complete a preventive Baseline Visit within 120 days of their plan start date have $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care. Mental health services, including EMDR delivered by in-network therapists, fall under this model. That makes Curative one of the most affordable ways to access EMDR in Texas.
How EMDR is billed with Curative
- CPT codes
- EMDR is billed using standard psychotherapy codes: 90834 (38-52 minutes) or 90837 (53+ minutes). No EMDR-specific codes or modifiers are required with Curative.
- Typical copay
- $0 for in-network care if you completed your Baseline Visit within 120 days of enrollment — Curative's plan design eliminates copays and deductibles entirely in that case. Members who haven't completed the Baseline Visit face standard cost-sharing, so completing it is worth doing.
- Prior authorization
- Outpatient psychotherapy, including EMDR, does not typically require prior authorization with Curative. Check your member materials for any plan-specific requirements.
- Session limits
- Curative does not impose arbitrary session limits on outpatient mental health care, consistent with federal mental health parity requirements.
Finding Curative-covered EMDR therapists
Curative's network is strongest in Texas, where the plan launched and operates. Loma is in-network with Curative and matches members with EMDR-trained, Texas-licensed therapists — for many Curative members, that means EMDR with no out-of-pocket cost.
Frequently asked questions
- Is EMDR really free with Curative?
- If you completed Curative's Baseline Visit within 120 days of your plan start date, in-network care carries $0 copays and $0 deductibles — which includes EMDR sessions with an in-network therapist like those Loma matches you with. If you haven't completed the Baseline Visit, standard cost-sharing applies.
- What is Curative's Baseline Visit?
- A preventive health appointment with a Curative clinician and care navigator, completed within your first 120 days as a member. It unlocks the plan's $0 copay, $0 deductible benefit design for all in-network care.
- Where is Curative available?
- Curative launched in Austin and is available to employers across Texas, including the Dallas-Fort Worth and Houston metro areas. If your employer offers Curative, Loma can match you with an in-network EMDR therapist anywhere in Texas via telehealth.
- How do I use Curative for EMDR through Loma?
- Submit your information with Curative as your insurer. We verify your benefits, confirm your Baseline Visit status where relevant, and match you with an EMDR-trained, Texas-licensed therapist — usually within 48 hours.
Other plans: Aetna · Blue Cross Blue Shield · Cigna · UnitedHealthcare · All insurance plans
Get matched with a verified, EMDR-trained therapist covered by your insurance — usually within 48 hours. In Texas? See EMDR therapy in Texas.