Flexible and Affordable Payment Plan Options for Your Health Care Expenses
Mount Sinai Health System works with CURAE to help make it easier for patients to focus on their health. CURAE offers flexible payment plan options to cover co-pays, deductibles, and out-of-pocket medical balances.
CURAE may help you:
- Manage your Mount Sinai Health System health care costs
- Spread payments over time
- Give you more flexibility to focus on your health and care
If you have an out-of-pocket balance with Mount Sinai Health System, you may qualify for a payment plan option that fits your budget.
- CURAE offers a revolving line of credit up to $10,000, which can be used for services at Mount Sinai Health System locations
- 0% interest financing options
- Patients with a wide range of credit histories may qualify
Looking to enroll?
Apply through the CURAE portal or contact the customer service team at 212-987-3100 if you have any questions.
Already have a CURAE Account?
Manage your account at patient.curae.com/my-account. You can also email service@curae.com or call 800-316-4202. Chat is available 24/7, and phone support is available 8 am–12 am ET, 7 days a week.
Frequently Asked Questions
Q: What is CURAEPay?
CURAEPay is a financing option available to eligible Mount Sinai Health System patients. It allows you to set up a payment plan to pay your out-of-pocket balance over time instead of all at once.
Apply
Q: Will applying hurt my credit?
No. Applying uses a soft credit inquiry and does not affect your credit score. No hard credit inquiry.
Q: How fast will I know I am approved?
You will get a response within seconds, and receive an email and letter explaining the decision. If not approved, you must wait 90 days to re-apply.
Offers & Terms
Q: How much credit can I get?
A line of credit up to $10,000. It is not tied to your total amount due.
Q: Is there interest charged?
You will always see an interest-free option to choose, typically 24 months at 0%. Longer options up to 48 months with interest may also be available.
Q: Can I pay off the balance early?
Yes. There is no prepayment penalty.
Q: How long do I have to accept an offer?
30 days. After that, you’ll need to re-apply.
Q: How long does my account stay open?
It closes automatically after 12 months of no activity.
Q: Can I use CURAEPay again?
Yes, if you have credit available you can continue to pay for your health services. Each new balance starts its own term. All combined terms are to a maximum of $10,000.
Your CURAEPay Card & Account
Q: Where can I use CURAEPay?
CURAEPay can only be used within Mount Sinai Health System for health care services.
Q: Is CURAEPay a credit card?
No, it’s a line of credit for use only at your health system’s locations.
Q: Do I need the physical card I received in the mail?
No. The physical card is for reference only, and everything else is digital. Your card and first statement arrive by mail within about 10 business days of your first charge.
Q: Can I pay for a family member?
Yes, with the family member’s approval.
Q: Is anything due to CURAE up front?
No. After your charge, you’ll make monthly payments based on your selected terms.
Payments
Q: Who do I make payments to?
CURAE. Once you pay a bill with CURAE, all future payments go to CURAE, not the provider.
Q: How do I view or pay my balance?
Log in to the CURAE Account Center at patient.curae.com/my-account to view your balance, make a payment, or set up AutoPay. Payments can be made by debit, ACH, HSA, or mail.
Q: My bill was lower than I was charged. Now what?
Your health system will be able to refund the difference to correct your CURAE account.