What is Comprehensive Health Insurance? A Guide to Comprehensive Healthcare for Employers
6 Minutes
Team Curative
Jan 21, 2026
When choosing insurance options for your company, it’s crucial to understand your region's needs and the insurance option that best provides comprehensive healthcare access. Let’s face it — health insurance can be tricky. How do employers determine the best insurance plan for their company’s talent? We’ve all heard of “comprehensive health insurance,” but what does this really mean? Here’s how to identify the best health insurance plans for your workforce.
What is comprehensive health insurance coverage?
Comprehensive health insurance refers to health insurance plans that cover a wide range of healthcare services. Often called major medical insurance, this type of coverage includes most medical services and procedures, along with essential preventive care. It’s designed to support everyday health needs as well as unexpected or more serious medical situations, helping strengthen the well-being of your employees.
Comprehensive health insurance coverage should include:
Preventive care: regular screenings, check-ups and vaccinations
Hospital care: in-patient stays, surgery, medication and hospital services
Emergency services: unexpected trips for emergency evaluation and treatment
Telehealth services: on-demand care via phone or video for non-emergency health concerns
Prescription medication: coverage of all or a portion of the cost of prescription drugs
Mental health and addiction treatment: counseling, therapy, rehabilitation and medication
Maternity and newborn care: prenatal and postnatal care for both the mother and baby
Local and national providers
Curative offers access to an extensive selection of providers across the United States. With access to one million professional providers and eight thousand hospitals, members can choose the best primary care and specialty providers to meet their unique health needs.
Curative makes access affordable. After a Baseline Visit, members will have $0 copay fees for in-network family practice, internal medicine, OB/GYN and pediatric appointments. Additionally, there is no copay required for in-network emergency room visits, urgent care and specialist offices.
To supplement our extensive network of providers, we're offering access to Curative Primary Care, a medical group fully dedicated to Curative members so they can be seen more quickly and without concerns over costs. Currently available in Texas and Florida (virtually only).
Telehealth support wherever you need it
In addition to our broad provider network, Curative offers on-demand telehealth care that gives members convenient access to care when an in-person visit isn’t feasible. Through the Curative Member Portal, you can connect with a licensed clinician by phone or video 24/7/365 at no additional cost, making it easy to get care outside of traditional business hours at any time, all year long. Telehealth visits can address a variety of common, non-emergency health concerns including cold and flu symptoms, minor infections or general questions. Clinicians can also prescribe medications and recommend appropriate follow-ups when needed. This flexibility helps employees get timely support, reduce unnecessary delays in care and manage their health with minimal disruption.
Does insurance cover prescription drugs?
Employer-based health insurance plans generally provide coverage for prescription drugs, but the extent of coverage can vary widely depending on the specific plan. Fees for prescriptions will vary depending on the plan’s copay and out-of-pocket policies.
A copayment, often called a copay, is a predetermined, fixed amount of money an insured individual pays for a medical service or prescription. Health insurance pays for a portion of the medicine or medical service cost; the individual is responsible for the remainder. For example, a health insurance plan may specify a $20 copay for an office visit to a primary care provider or a $10 copay for generic prescription drugs.
Some insurance companies, like Curative, offer prescription delivery services as part of a comprehensive healthcare program, making filling and receiving medication even easier. Delivery options increase medication access and remove common barriers to filling prescriptions, such as time constraints and transportation limitations.
Curative members have access to $0 drug options for nearly every condition through our network of pharmacy partners and our exceptional Curative Pharmacy. The Curative Pharmacy offers rapid medication delivery to your home or work in most states.
Does insurance cover specialist visits?
In most cases, health insurance will cover specialist visits. However, as with prescription drugs, coverage will vary depending on the scope and type of the individual plan. Even if the specialist visit is covered, a copay may be required for the visit along with any medical procedures.
Some health insurance plans require a primary care provider referral before seeing the specialist. This means that, to have insurance cover the visit, a primary care provider will need to verify that a specialist is needed based on the symptoms or conditions of the patient.
Insurance plans often have a network of healthcare providers, including specialists. Visiting an in-network specialist generally results in lower out-of-pocket costs for the patient. Going to an out-of-network specialist may lead to higher costs and in some cases, the visit is not covered.
Some insurance plans limit the number of specialist visits within a specific time frame. Often, health insurance plans will have an annual limit on the number of times you can receive care from a certain type of specialist, and may even vary based on the specific services offered.
Does insurance include cancer screenings?
Cancer screenings are an essential part of preventive care. These routine tests help detect early changes, often before there are any symptoms, and can help prevent a condition from becoming more serious. With Curative, members can use the provider search tool to schedule a variety of screenings for $0 out-of-pocket when visiting an in-network provider. Understanding what to be screened for, and when, is an important way to stay confident and in control of long-term health. Examples of screening tests include cervical cancer screening which checks for early cell changes; breast cancer screening through mammography; lung cancer screening with a simple low-dose CT scan; colorectal cancer screening through at-home stool kits or colonoscopy; prostate cancer screening using a prostate-specific antigen (PSA) blood test; and skin cancer screening through a visual exam with a dermatologist. Curative’s Care Navigators are also available to help members understand which screenings may be appropriate for them and assist with scheduling when it’s time, making preventive care easier to stay on track with.
Does insurance cover COVID-19 testing and vaccines?
For the most part, health insurance policies typically cover COVID-19 testing and vaccines as part of their comprehensive healthcare programs. This includes over-the-counter COVID-19 tests, though a small copay or limit on the number of tests provided may apply.
Additionally, insurance companies have partnered with pharmacies and medical offices to provide free or low-cost COVID-19 testing. For a complete list of COVID-19 testing locations, please visit the U.S. Department of Health and Human Services.
COVID-19 vaccines will remain accessible through private and public health insurance plans. There are no out-of-pocket costs for Curative members for COVID-19 vaccines; no deductible or copay will be charged for the medication or administration of the vaccine.
Curative has mastered the art of comprehensive health insurance
Curative is a new kind of employer-sponsored health insurance that provides comprehensive healthcare while prioritizing affordability and engagement.
Curative has mastered the art of the comprehensive health insurance plan. Members experience $0 copays and $0 out-of-pocket costs. Curative has a broad provider network that allows easy access to convenient doctors and facilities.
Curative wants people to love using their health benefits. Our plans go beyond the standard coverage by focusing on wellness, preventive care and improved health outcomes. The Curative solution delivers better health through affordability and engagement.
No copays. No deductibles. No...really. Curative is changing the way we view health insurance.
Learn more about how Curative can help you find your organization's best comprehensive healthcare plans by visiting our website today.
To see all disclaimers, please view here.
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Table of Contents
Local and national providers
Telehealth support wherever you need it
Does insurance cover prescription drugs?
Does insurance cover specialist visits?
Does insurance cover COVID-19 testing and vaccines?
Curative has mastered the art of comprehensive health insurance
