Claims Resolution Specialist

About Curative

Curative is building the future of health insurance with a first-of-its-kind employer-based plan designed to remove financial barriers and make care truly accessible: one monthly premium with $0 copays and $0 deductibles*. Backed by our recent $150M in Series B funding and valuation at $1.275B, Curative is scaling rapidly and investing in AI-powered service, deeper member engagement, and a smart network designed for today's workforce.

Our north star guides everything we do: healthcare only works when people can actually use it. That belief drives every decision we make: from how we design our plan, support our members, to how we collaborate as a team.

If you want to do meaningful work with a team that moves fast, experiments boldly, and cares deeply, Curative is the place to do it. We're growing fast and looking for teammates who want to help transform health insurance for the better.

Summary

The Claims Resolution Specialist is responsible for ensuring accurate, timely, and compliant resolution of medical claims, balance billing issues, and reimbursement requests. This role serves as a key liaison between members, providers, and internal teams to protect members from inappropriate financial liability, including compliance with the No Surprises Act (NSA) and applicable state balance billing laws. The position requires strong analytical skills, detailed claims review, provider and member communication, and a commitment to delivering exceptional member experience.

Essential Duties and Responsibilities

Claims Review, Adjudication & Resolution

• Review, analyze, and adjudicate medical claims in accordance with plan benefits, internal policies, and regulatory requirements.
• Confirm member eligibility, plan enrollment, coordination of benefits (COB), authorizations, and benefit limitations.
• Validate accurate coding using ICD-10, CPT, HCPCS, and revenue codes.
• Identify underpayments, over payments, duplicate claims, and processing errors; calculate allowable amounts, contractual adjustments, and interest as required.
• Process claim adjustments, reversals, reprocessing, and corrected claims.

Balance Billing & Regulatory Compliance

• Investigate and resolve member balance billing disputes with providers and facilities.
• Ensure compliance with the No Surprises Act (NSA) and applicable federal and state balance billing and consumer protection regulations.
• Educate providers on appropriate billing practices, plan policies, and regulatory requirements.
• Escalate recurring provider non-compliance or systemic billing issues to leadership.

Reimbursement & Payment Processing

• Process member and provider reimbursement requests, including out-of-network and manual reimbursement submissions.
• Review and validate required documentation, receipts, and clinical information.
• Ensure reimbursements comply with benefit coverage, payment timelines, and regulatory standards.
• Prepare and route reimbursement payments for approval with accurate documentation and coding.

Member, Provider & Internal Support

• Communicate clearly and professionally with members and providers regarding claim determinations, benefits, and payment responsibilities.
• Respond to internal and external claim inquiries, appeals, reconsiderations, and dispute requests.
• Collaborate cross-functionally with Claims, Provider Relations, Member Services and Finance teams to resolve complex cases.
• Handle sensitive or escalated interactions with empathy, professionalism, and discretion.

Documentation, Quality & Process Improvement

• Document claim decisions, resolution steps, and communications accurately in claims and CRM systems.
• Meet or exceed departmental productivity, quality, and timeliness standards.
• Identify trends, system issues, or process gaps and provide recommendations for improvement.
• Participate in training, meetings, and continuing education to maintain current knowledge of policies and regulations.
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Additional Responsibilities

• Adhere to all HIPAA, confidentiality, and compliance requirements.
• Maintain a secure remote work environment.
• Perform additional duties and special projects as assigned by leadership.

Qualifications

Required:

• 1+ year of experience in healthcare claims processing, billing, reimbursement, or claims resolution.
• Working knowledge of PPO, EPO, and other health plan benefit structures.
• Strong analytical and problem-solving skills with high attention to detail.
• Excellent written and verbal communication skills with the ability to interact professionally with members and providers.
• Proficiency in Google Workspace and/or Microsoft Office (Excel/Sheets required).
• Ability to manage multiple priorities in a fast-paced, deadline-driven environment.

Preferred:

• Knowledge of the No Surprises Act (NSA) and relevant state-level balance billing regulations.
• Experience with medical coding (ICD-10, CPT, HCPCS) and claim adjudication rules preferred.
• Familiarity with claims processing platforms and CRM systems (Health Edge Health Rules Payer System a plus).
• Prior experience handling provider disputes,…