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 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.
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 organization’s 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:
3–5+ 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 8–12 weeks paid parental leave, based on role eligibility.