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The Gap
Someone you cover is struggling. What happens next is nobody's job.

A member calls the number on the back of their card. They get a list. Nobody vetted those programs on outcomes. Nobody checks whether the level of care matches the clinical need. Nobody follows up 30 days later to see if it worked. Quality variance is extreme and unmeasured. Members cycle through programs that weren't matched to their needs. Employers pay episode after episode with no outcome accountability.

72%
Listed in error
HHS OIG 2025
15%+
Readmission rate
AHRQ HCUP
$0
Outcome guarantees
Typical BH episode
0
Navigator continuity
Resets every episode
How It Works

Vet. Route. Measure.

Three steps. Each one designed to close the gap between where the member is and where they need to be.

01

Vet programs on measured outcomes

Every facility in the Curated network is credentialed on clinical outcomes, not just licensure. Completion rates. Readmission rates. 90-day sustained engagement. Programs that can't demonstrate results don't get in. Continuum is the first named SUD node inside the network — virtual buprenorphine continuity, vetted on retention, routed to like any other program.

02

Route through a licensed navigator

A licensed clinical navigator matches each member to the right program at the right level of care. One navigator per member. Not a call center. Not a directory. A person who stays with them.

03

Measure and warrant the outcome

Every episode is tracked to outcome. 30-day readmission, 90-day engagement, and program completion. Then stand behind the routing with a warranty.

Patient Walkthrough
Sarah's episode chain. 174 days.

Three programs. Seven events. One navigator. One continuous record.

Day
0
PHQ-9
22
Navigator M.R.
Day 0 — Intake

Sarah calls the benefits line

Employer plan routes her to Curated. Worsening depression and alcohol use. Navigator M.R. assigned. PHQ-9: 22 (severe). AUDIT-C: 9.

PHQ-9: 22/27
Day 3 — Placement

Matched to dual-diagnosis residential

Curated-vetted residential. ASAM Level 3.5. Completion rate: 82%. Bundle price locked.

Day 14 — Check-in

Two-week clinical review

PHQ-9 dropped to 16. Engaging in group therapy. Medication adjustment working.

PHQ-9: 16/27
Day 32 — Transition

Residential discharge. IOP begins.

Same-day transition. No gap. No new navigator. No repeated intake. M.R. briefs the IOP team.

PHQ-9: 12/27
Day 60 — Follow-up

60-day engagement check

PHQ-9: 8. AUDIT-C: 2. Considering MAT. M.R. begins referral.

PHQ-9: 8/27
Day 84 — MAT

IOP discharge. MAT begins.

Third program, same navigator, same continuous record.

Day 174 — 90-Day Outcome

Sustained recovery

PHQ-9: 5. AUDIT-C: 1. Employed, stable. No readmission. Warranty never triggered.

PHQ-9: 5/27
Sustained recovery.
Episode chain: closed

Names, scores, and timelines are illustrative. They represent the designed care model, not historical patient data.

Episode Economics

Bundled. Transparent. Warranty-backed.

Centers of excellence replaced per-procedure billing with bundled pricing. We apply the same model to behavioral health.

Pricing
$4-7 PEPM
Access
Platform, risk stratification, navigator assignment.
Per Episode
Bundled
Single price. Warranty included. Set before care begins.
Shared Savings
Gain-Share
We earn when outcomes improve against your baseline.
Episode Chain MonitorLive
S.K.SUD → IOP
M.T.Acute Psych
J.W.Detox → MAT
What your benefits team sees. Design mockup.
Carrier Network — One Episode
Per-diem (28 days)$16,800
Admin / coordination fees$2,400
Pharmacy (out-of-bundle)$1,200
Step-down gap (3 days)$1,800
30-day readmission$12,600
Total exposure$34,800
Curated Episode — Same Member
Bundled episode (residential + IOP)$18,400
Warranty reserveIncluded
Total$18,400

Illustrative. Actual costs vary by geography and clinical acuity.

How this is modeled
Per-diem rate × length of stay$600/day × 28 days
Admin / coordination fees$2,400
Pharmacy (billed out-of-bundle)$1,200
Step-down coverage gap3 days · $600/day
30-day readmission probability15% (industry)
Readmission cost when it occurs$12,600
Carrier total exposure (modeled)$34,800
Curated bundled episode (single price)$18,400
Warranty reserveInside the bundle
Modeled net difference per episode$16,400

Read-only assumptions, surfaced so a benefits or finance team can pressure-test the number against its own claims experience. The 30-day readmission rate (15%+) is the AHRQ HCUP behavioral-health benchmark; the carrier line items reflect a typical unbundled residential episode with a step-down gap. The Curated figure is a single bundled price with warranty reserve included — set before care begins.

Accountability is the difference between a fee and a warranty.
The Warranty
If a navigated member is readmitted within 30 days,
We pay.

Not a performance guarantee buried in a rider. A contractual warranty, reserved on our books, triggered by claims data. SUD residential and acute psychiatric — the two categories where routing quality has the most measurable impact.

SUD Residential
30-day readmission to same or higher level of care. We absorb the full episode cost.
Acute Psychiatric
Inpatient crisis readmissions within 30 days. Same warranty structure applies.
Structural Incentive
Our margin depends on routing quality. If readmissions are high, the margin erodes.
The only way to know if the routing works is to warrant it. If we're wrong, we pay.
Coverage Model

Two models. One choice.

Traditional Vendor
Readmission warranty
Not offered
Navigator continuity
Resets each episode
Episode ownership
Per-session billing
Outcome measurement
Claims-based only
Program vetting
Licensure + credentialing
Clinical areas
Varies, often SUD-only
Member cost
Copay / coinsurance
Independence
Routes to owned clinicians
Curated
Readmission warranty
30-day, SUD + acute psych
Navigator continuity
One navigator, permanent
Episode ownership
Bundled episode pricing
Outcome measurement
PHQ-9, AUDIT-C at intake/discharge/90-day
Program vetting
Outcome-based credentialing
Clinical areas
13 categories, full BH spectrum
Member cost
$0 member cost-share
Independence
No downstream economic interest
Built For

One network. Three stakeholders.

Employers

Self-funded employers

Bundled episode pricing. No per-session surprises. Readmission warranty protects the plan. Dashboard visibility into every active episode chain.

Health Plans

Health plans & payers

Episode-based, outcome-measured, warranty-backed. An independent BH network with no downstream economic interest.

Providers

At-risk providers

Gain-share aligned to outcomes. Navigator continuity reduces readmissions. Quality-gated network referrals. Data that proves the model works.

Who Built This

I built these programs. Then I got to see them from the other side.

Joe Nalley

Joe Nalley

Founder, Curated

I built a health system from the ground up. Thirteen locations. Behavioral health, SUD, MAT, primary care, urgent care, lab, imaging, surgical center, and a community hospital. I ran it as CEO through acquisition. 200,000+ patients across the lifetime of the companies I've led.

Today I'm Staff Vice President of Carelon Growth, Elevance Health's specialty health-services arm, where I own six high-acuity clinical risk books — MSK, Oncology, CHF, Maternity, Autoimmune, and Dementia — across $50B+ in specialty medical spend. I see what those same treatment patterns look like from the payer side: the cost, the readmission cycles, the routing failures that nobody owns. The view from both seats is why Curated exists.

I also founded and sold ClearBill, a billing-integrity platform that returned $9.2 million to payers in its first six months of full deployment. Curated is the next expression of the same instinct: if something is broken and nobody's measuring it, build the infrastructure that does.

Get in Touch

Start a conversation

Accepting pilot partners for 2026. Self-funded employers with 1,000+ covered lives and meaningful behavioral health spend.

References

1 SAMHSA, "National Survey on Drug Use and Health," 2023. Among adults with mental illness, only 47.2% received treatment.

2 HHS OIG, "Many Medicare Advantage and Medicaid Managed Care Plans Have Limited Behavioral Health Provider Networks and Inactive Providers," OEI-02-23-00540, 2025. Of inactive behavioral health providers, 72% should not have been listed in the directory at all.

3 Heslin KC, Weiss AJ. "Hospital Readmissions Involving Psychiatric Disorders, 2012." HCUP Statistical Brief #189. AHRQ, 2015.

4 NCQA, "Behavioral Health Quality Measurement," 2024. HEDIS measures FUH and FUM remain core benchmarks.

5 Pincus HA et al. "Quality Measures for Mental Health and Substance Use." Psychiatric Services, 2016.

6 Mark TL et al. "Hospital Readmission Among Medicaid Patients." Journal of Behavioral Health Services & Research, 2013.

7 Delbanco S et al. "The Payment Reform Landscape: Bundled Payment." Health Affairs Blog, 2014.

8 Curated outcome reporting includes PHQ-9, AUDIT-C, program completion rate, 30/90-day readmission rate, and navigator engagement metrics.

Curated Assistant
I can answer questions about Curated's behavioral health care network, episode management, navigator continuity, the readmission warranty, or pricing. What would you like to know?