Claims Coordination of Benefits (COB) Analyst

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 todays 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. Were growing fast and looking for teammates who want to help transform health insurance for the better.

Job Summary:
The Claims Coordination of Benefits (COB) Analyst plays a critical role in ensuring payment accuracy by identifying analyzing and coordinating benefits across multiple payers. This position supports the organizations payment integrity initiatives by preventing improper payments identifying overpayments and supporting recovery efforts related to COB discrepancies. The Senior Analyst is responsible for interpreting COB rules resolving complex claim issues and validating payer hierarchy to determine accurate financial liability. They collaborate closely with claims recovery subrogation and vendor management teams to drive COB-related process improvements and reduce waste. This role also supports audit responses regulatory compliance and special projects that impact overall claims accuracy and payment integrity performance.

Key Responsibilities:

• Conduct in-depth COB analysis to prevent and recover incorrect payments
• Apply CMS NAIC ERISA and Medicare Secondary Payer (MSP) rules to determine primary/secondary liability
• Identify trends and root causes of COB payment errors; propose solutions to enhance payment integrity
• Collaborate with Payment Integrity and SIU teams to resolve claims flagged for COB issues or FWA risk
• Monitor COB-related metrics and KPIs to support operational and compliance goals
• Collaborate with claims and adjustments teams on operational workflows to ensure COB accuracy and reduce rework and member/provider abrasion

Core Competencies:

• In-depth understanding of COB processes claim adjudication and payer coordination rules
• Proven experience supporting or working within a Payment Integrity department
• Strong investigative and data analysis skills including use of Excel and SQL
• Working knowledge of CARCs RARCs and overpayment recovery workflows

Qualifications:

• 35 years in COB analysis claims operations or payment integrity at a health plan or TPA
• Experience with pre-pay and post-pay integrity controls audit response and provider recovery
• Familiarity with claims platforms such as HealthEdge Facets or QNXT
• Strong knowledge of federal and state regulations affecting COB and improper payment recovery

Perks & Benefits

• Curative Health Plan (100% employer-covered medical premiums for you and 50% coverage for dependents on the base plan.)

  • $0 copays and $0 deductibles (with completion of our Baseline Visit )

  • Preventive and primary care built in

  • Mental health support (Rula Televero Two Chairs Recovery Unplugged)

  • One-on-one care navigation

  • Chronic condition programs (diabetes weight hypertension)

  • Maternity and family planning support

  • 24/7/365 Curative Telehealth

  • Pharmacy benefits

• Comprehensive dental and vision coverage

• Employer-provided life and disability coverage with additional supplemental options

• Flexible spending accounts

• Flexible work options: remote and in-person opportunities

• Generous PTO policy plus 11 paid annual company holidays

• 401K for full-time employees

• Generous Up to 812 weeks paid parental leave based on role eligibility.