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Home/Blog/Health Insurance

Health Insurance

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How Brokers Can Help Support Employee Health by Building Health Literacy

Companies that offer a health insurance plan recognizing the value of health literacy make an impact in improving both employee health and HR satisfaction.

Mar 23, 2023

Next-Generation Health Care Employees Will Love

Next-gen health care can help employees feel healthy, empowered, and engaged. Here’s what’s not working and what the future of health care should look like.

Mar 17, 2023

Three Years Later, The Largest COVID-19 Testing Company Is Now a Health Plan

We knew (and hoped) the pandemic wouldn’t last forever, and needed a plan for what’s next. Interacting with payers across the nation, we saw the opportunity to provide a better experience with better health and lower costs. And with that came our next greatest pivot.

Mar 14, 2023

Curative is betting on preventive health care. Here are 3 reasons why we know it works.

Employers can help create a happier, healthier, and more productive workforce by offering a preventive health care insurance plan that centers employee well-being.

Mar 1, 2023

Are you a health insurance broker looking for innovative, cost-transparent health insurance for your clients?

Brokers can offer innovative, ground-breaking solutions that improve employee well-being and business outcomes. When employees are equipped with insurance that is affordable, simple, and engaging, productivity improves while absenteeism and presenteeism decline.

Feb 23, 2023

Fred Turner, CEO of Curative, Shares Curative Pivot to a Health Plan at J.P. Morgan Health Conference

Curative is looking ahead to the future as the world moves past the pandemic. The company is taking its expertise and pivoting to a new employer-based, member-centric health plan. With a focus on cost transparency, Curative is determined to make health care better for everyone.

Feb 10, 2023

Does Insurance Cover Prescriptions?

Does health insurance cover prescriptions? What does the Curative Health Plan cover? Learn more about health insurance coverage of prescriptions.

Jan 30, 2023

Innovative Health Insurance: Risks and Rewards For a Health Insurance Broker

A health insurance broker faces both risks and rewards when offering new plans to employers. With Curative, brokers will be rewarded by offering a preventive, innovative plan that clients will actually use — and love.

Jan 19, 2023

Early Signs of Heart Disease: What to Look For

Identifying the early signs of heart disease is critical to proactive and preventive health care. Learn the first signs to look out for with Curative.

Jan 18, 2023

Improve Employee Satisfaction with Innovative Health Benefits

As the workforce evolves, so do employee needs. Employers can adapt to new trends by offering innovative health benefits through the best health insurance in Texas.

Jan 12, 2023

Offer Your Clients a Win in 2023

It's no surprise to say that traditional health plans are missing the mark for both employers and employees who have seemingly no other options. We've compiled a list of some of the main problems we see with the traditional health plan model — and we've created a better option. See more about how Curative’s first-of-its-kind health plan solves them here.

Jan 11, 2023

Virtual Visit Urgent Care: When and Why You Should Use It

How does virtual urgent care work? Learn more with Curative’s partnership with NormanMD*, offering virtual urgent care services.

Jan 4, 2023

What is the Real Cost of Benefits for Your Employees?

Employer sponsored health insurance shouldn’t be complicated. The Curative Health Plan is an easy choice that puts the health and wellness of your employees first.

Jan 4, 2023

Looking for Health Insurance in Texas? Best Plans for Benefits Brokers

Over the past few years, Texans, like the rest of the nation, faced seemingly unending threats to their health. Between COVID-19, a severe flu season, and dangerous weather events that affected infrastructure, having a health insurance plan in Texas that clients trust is integral to individual health and societal well-being.

Dec 27, 2022

Curative Shifts Gears to Innovate in Health Insurance

After almost three years and over 35 million tests administered in over 40 states, Curative COVID-19 testing is coming to a close by the end of December 2022.

Dec 14, 2022

CEO, Fred Turner, Featured in STAT News: The Covid-19 Test Maker That Pivoted to Being a Health Insurance Company

Curative rose to prominence during the throes of the pandemic, as people and governments across the country used its Covid-19 tests. But that business is now firmly in the past, and the company has switched to an even more regulated industry: health insurance.

Dec 13, 2022

Choosing Affordable Health Insurance: Where to Start

Employers seeking out the best health packages for their employees must consider many factors up front. What is most important when choosing affordable health insurance is that you understand your employees’ needs and find a plan that centers individual health through comprehensive care.

Dec 13, 2022

Health Insurance Options: What Are They?

In today’s ever-changing market of options, it can be difficult to find the perfect health insurance plan to suit your needs. As an individual, you want a plan that is easy to understand with no hidden fees or surprise bills when you have medical needs. As an employer with 51 employees or more, you want to select coverage that offers comprehensive care that’s cost effective. No matter your needs, you are bound to have a few questions about the effectiveness of your prospective plan.

Dec 8, 2022

Why Curative Has the Best Employer-Sponsored Health Care Coverage

Health care providers have started to rethink what it means to provide proactive, transparent, and easy-to-reach care. Newer plans focus on eliminating surprise bills and wiping out large copay and deductible requirements. In this article, we provide more detail on Curative's comprehensive health plan.

Dec 8, 2022

Curative CEO Fred Turner tackles the future of health care at Texas Covered

Curative’s CEO, Fred Turner, appeared on a panel with other CEOs in health care to discuss “The Path Forward For Health Care Coverage” at the Texas Covered conference. Here are the insights on the current and future state of U.S. health care.

Dec 6, 2022

7 Things You Should Know Before Selecting a Health Insurance Plan

Health insurance is something that most of us know little about. One of the top reasons why people overpay for medical bills is a lack of knowledge about their health insurance plans. When open enrollment comes around, we have to choose between several plans riddled with terms like “copay,” “deductible,” and “coinsurance.” Before selecting your next health insurance plan, let’s review six things you should know.

Nov 28, 2022

Do You Know What Your Health Care Could Cost You?

Do you know what your health care could cost you? In this infographic, we break down the difference in what you could pay if you incurred a medical bill of $25,000 with a traditional health plan compared to the Curative Health Plan.

Nov 28, 2022

How Curative's Health Plan May Improve Presenteeism and Productivity

At some point in our careers, we’ve all noticed a colleague or employee who continued to push through meetings to accommodate deadlines, all while displaying symptoms of a cold, flu, or other medical condition. However, since not all illnesses are visible, it can be difficult for employers and managers to determine if an employee is an underperformer or if illness may be negatively impacting an employee’s performance due to obligatory feelings to show up, despite not feeling well.

Nov 28, 2022

The Future of Work After COVID-19: What Employees Should Expect

Nearly every global trade has been majorly disrupted by COVID-19, forcing industry leaders to rethink their business models. With millions of lost jobs giving way to a multi-trillion dollar crisis, employees in all sectors have looming questions about the future of work as the world adjusts post-COVID-19.

Nov 18, 2022

Health Insurance: Terms You Should Know

In this article, we break down the key healthcare terms you need to know.

Nov 18, 2022

How to Attract and Retain Talent with Better Health Benefits

Employee health is a matter of both moral and financial imperative. When employers invest in the health of their employees, results can be seen in higher productivity and business outcomes. Healthier employees are less likely to burn out, feel overwhelmed, and ultimately find other work. And, when looking to hire teams, employers can better attract potential top talent by building a benefits package that demonstrates to potential employees that their health matters.

Nov 18, 2022

Curative: Bringing Common Sense to Health Care

Not so breaking news: our healthcare system is nonsensical. We spend nearly double the amount of money on healthcare than other countries, but we have the highest rate of chronic disease. Deductibles are soaring and half of the population is riddled with medical debt that lingers long after getting care. And preventive services are free, but if you need any follow-up you may be slapped with a bill after the fact. The cost burden and confusion leave people asking, “am I sick enough to go to the doctor?,” which leads to avoiding preventive care that can save money and improve outcomes.

Aug 23, 2022

How Much Does a CT Scan Cost Without Insurance? Here’s Everything You Need to Know

Feeling unwell, but not sure what’s wrong? A CT scan might be able to help a qualified healthcare professional diagnose your condition. Every year, more than 80 million CT scans are administered in the US alone.

Jun 21, 2022

Does Insurance Cover Weight Loss Surgery? 8 Key Questions Answered

Looking to lose a few pounds? You’re not alone—in fact, you’re in the majority. In 2021, more than half of surveyed Americans were looking to lose weight. For certain individuals, weight loss surgery may be a practical and effective option for losing weight quickly. However, as with all surgical procedures, costs can get high without insurance.

Jun 13, 2022

Does Insurance Cover Urgent Care? What You Should Know Know Before Your Visit

If you need to visit an urgent care center, the last thing you want on your mind is worrying about costs. But the truth is that uninsured emergency care can sometimes get quite expensive. With uninsured ambulance rides sometimes costing up to $20,000 per ride, it’s wise to take a few minutes to understand what you’ll pay whenever you’re in an emergency healthcare situation.

May 16, 2022

How Much Does a Psychiatrist Cost Without Insurance? 7 Key Questions Answered

Not feeling your best mentally? Whether it’s a general lack of motivation or something more serious, rest assured that you’re not alone. Mental health problems are common amongst Americans, with nearly one in five adults having experienced some form of mental illness in 2020.

Apr 26, 2022

Does Insurance Cover Dermatology? Everything You Need to Know

Skin problems? You’re not alone. As many as one in three Americans may be affected by skin conditions at any given time, with 40 to 50 million Americans suffering from acne alone.

Apr 18, 2022

Does Insurance Cover Ambulance Rides? Everything You Need to Know

In the United States, healthcare services can be expensive without insurance, and ambulance rides are no exception. Which may make you wonder, “Does insurance cover ambulance rides?”

Apr 8, 2022

Does Insurance Cover LASIK? Everything You Need to Know

Does insurance cover LASIK? That’s a common question from individuals who want 20/20 vision without glasses. Whether you’re annoyed with foggy glasses, tired of putting in contacts every morning, or you need LASIK for practical reasons like a job requirement, this page will give you an overview of the procedure and help you understand LASIK insurance and other options for helping pay for LASIK.

Mar 28, 2022

Does Insurance Cover Chiropractors? Here’s What You Need to Know

According to a 2015 Gallup poll, 65% of Americans have sought care for back or neck pain in their lifetime. Unfortunately, chiropractic treatment can be very expensive without insurance, which raises the question, “Does insurance cover chiropractors?” This page provides an overview of what you need to know regarding chiropractic care and health insurance policies to help you understand what you are covered for.

Mar 14, 2022

How Does Gap Health Insurance Coverage Work?

Looking for the best coverage at the lowest price? In your search, you may have come across group supplemental health insurance plans, more commonly referred to as gap plans–especially if you are currently enrolled in a high-deductible plan and you’re looking for protection against high out-of-pocket expenses.

Jan 15, 2022

Physical Examination: What Should You Expect?

A physical examination is a routine checkup performed by your primary care physician or primary care provider (PCP). A physical examination is sometimes also referred to as an annual exam, wellness exam, or preventive exam.

Jan 5, 2022

What’s the Difference Between Private and Public Health Insurance?

Looking for a new health insurance plan? In your search, you’ll come across two main types of plans: private and public. This page explores the differences between the two and will help you decide which is a better option for you.

Jan 3, 2022

How Much Can You Be Fined for Not Having Health Insurance?

Are all individuals required to have health insurance? Will you receive a fine if you don’t have a plan? This page provides an overview of health mandates across the country. Use it as a resource to understand when and where health insurance is required, plus the penalties you will potentially face if you fail to meet the criteria for coverage.

Jan 1, 2022

How to Compensate Employees Who Opt-Out of Health Insurance

Due to the employer mandate under the Affordable Care Act (ACA), large employers with more than 50 full-time employees or full-time equivalent employees are required to offer medical coverage. However, it’s not necessarily a requirement for employees to purchase what the employer offers. In fact, employers are even allowed to provide incentives (compensation) to employees with the goal of enticing them to purchase their health insurance plan elsewhere and forgo the group health coverage policy entirely. This type of special compensation is referred to as an opt-out arrangement or cash in lieu of benefits waiver.

Oct 30, 2021

How Long Does Health Insurance Last After Termination?

According to the U.S. Bureau of Labor Statistics, tens of millions of employees get fired or leave their jobs voluntarily every single month. In other words, if you find yourself currently in between jobs, you’re certainly not alone! While you look for new employment, understanding how to prevent gaps in healthcare coverage will help you maintain regular checkups, continue monitoring your health, and prevent unexpected worst-case-scenario emergencies from turning into long-term health and financial problems.

Oct 20, 2021

How Brokers Can Help Support Employee Health by Building Health Literacy

Companies that offer a health insurance plan recognizing the value of health literacy make an impact in improving both employee health and HR satisfaction.

Mar 23, 2023

Next-Generation Health Care Employees Will Love

Next-gen health care can help employees feel healthy, empowered, and engaged. Here’s what’s not working and what the future of health care should look like.

Mar 17, 2023

Three Years Later, The Largest COVID-19 Testing Company Is Now a Health Plan

Mar 14, 2023

Curative is betting on preventive health care. Here are 3 reasons why we know it works.

Employers can help create a happier, healthier, and more productive workforce by offering a preventive health care insurance plan that centers employee well-being.

Mar 1, 2023

Are you a health insurance broker looking for innovative, cost-transparent health insurance for your clients?

Feb 23, 2023