Preventive care that works: Curative health plan options for every employer

A healthy workforce is a productive workforce—and it starts with access to care that’s easy, affordable, and proactive. Curative health plans are designed to remove the most common barriers to preventive care, so employees can get the right care at the right time without worrying about cost.

Our approach begins with a Baseline Visit—completed within the first 120 days of enrollment—which continues $0 out-of-pocket costs for in-network care and preferred prescriptions for the rest of the plan year. This visit combines a clinical check-in and onboarding with a Care Navigator to create a personalized health roadmap.

With a range of plan designs, employers can select the option that best fits their team’s needs, location, and budget.

Why plan variety matters for employers

No two organizations are alike. Your workforce might be spread across multiple locations, have specialized provider needs, or be looking for a way to keep premiums as low as possible without sacrificing quality. Offering the right health plan isn’t just about coverage—it’s about creating the conditions for long-term health and cost control.

Curative offers four core plan options, each built around the same foundation of $0 preventive and sick care. Whether your priority is affordability, flexibility, or maximum choice, there’s a Curative plan that aligns with your goals.

Curative Plan Options

EPO Value Plan – Our most affordable option

Value Plan: $0 out-of-pocket costs when employees see Curative-recommended in-network providers with a Curative Pass.

• In-network: Wide choice of nearly 1M providers, with $0 costs only when using a Curative Pass.
• Out-of-network: No coverage.
• Pharmacy network: Mail order and select retail (H-E-B, Albertsons, Safeway, Publix) with 30,000+ pharmacies nationwide.
• Fitness: None.

Best for employers who want to minimize premiums while guiding employees toward high-value providers.

EPO Plan – Essentials at a lower cost

Essentials Plan: $0 out-of-pocket costs limited to in-network coverage only.

• In-network: Wide choice of nearly 1M providers.
• Out-of-network: No coverage.
• Pharmacy network: Mail order and select retail (H-E-B, Albertsons, Safeway, Publix) with 30,000+ pharmacies nationwide.
• Fitness: None.

Ideal for employers who want broad in-network choice without paying for out-of-network flexibility. Curative Pass not required as is on the EPO Value plan.

Note: Employers choose EPO Value or EPO, not both.

PPO Plan – Choice and flexibility

Choice Plan: $0 out-of-pocket costs in-network, with flexibility to use out-of-network providers for some cost.

• In-network: Wide choice of nearly 1M providers.
• Out-of-network: $10k/$20k deductible (individual/family).
• Pharmacy network: Mail order and select retail (H-E-B, Albertsons, Safeway, Publix) with 30,000+ pharmacies nationwide.
• Fitness: None.

Perfect for employers who value out-of-network access but still want to keep premiums moderate.

PPO Max Plan – Maximum choice and coverage

Maximum Choice Plan: $0 out-of-pocket costs for both in- and out-of-network care across the U.S.

• In-network: Wide choice of nearly 1M providers.
• Out-of-network: $0 deductible / $0 coinsurance.
• Pharmacy network: Includes CVS, Walgreens, Walmart, plus 60,000+ pharmacies nationwide.
• Fitness benefits

Ideal for employers seeking ultimate flexibility and access for employees.

A better way to approach health benefits

Curative’s plans are built to support healthier employees and more predictable costs for employers. By combining a proactive Baseline Visit with plan designs that meet a range of budgets and access needs, we help organizations remove barriers to care, improve engagement, and foster a healthier workplace. Whether you choose an affordability-first plan like EPO Value or maximum access with PPO Max, every option is designed to keep care accessible, costs transparent, and employees healthier all year long.

To see all disclaimers, please view here.

References

Davis, E. (6 May 2023). What is a PPO and how does it work? VeryWell Health. https://www.verywellhealth.com/what-is-a-ppo-how-does-it-work-1738672

Nova, A. (13 April 2023). Health plans could soon reduce coverage for preventive care. Here’s what to know. CNBC. https://www.cnbc.com/2023/04/13/health-plans-could-soon-reduce-coverage-for-preventive-care.html 

Rivelli, E. (1 Aug 2022). EPO insurance: What is it? Forbes. https://www.forbes.com/advisor/health-insurance/epo-health-insurance/ 

Rivelli, E. (22 July 2022). PPO insurance: What is it? Forbes. https://www.forbes.com/advisor/health-insurance/ppo-health-insurance-plans/

Health care coverage guide. (18 April 2023). Texas Department of Insurance. https://www.tdi.texas.gov/pubs/consumer/cb005.html