Why hospital leaders are paying attention to Curative

This June, Curative proudly sponsored the Texas Healthcare Trustees’ Healthcare Governance Conference, a premier annual event convening hospital board members, CEOs, and governance leaders from across the state. The event emphasizes bold thinking and innovation, exactly where Curative’s approach fits in.

As a next-generation health plan offering $0 out-of-pocket costs for in-network care and preferred prescriptions, Curative joined the conversation to share how our model doesn’t just improve access for patients — it creates financial and operational advantages for hospitals.

A simpler model, with real impact for hospitals

In a featured session, Curative CEO and Co-Founder Fred Turner presented: “The Outcome of Simplicity: Why Zero Cost-Sharing Works for Providers and Patients.”

His message resonated with hospital leaders because it addressed the real, often overlooked pain points in working with traditional insurance models:

• Unpaid balances become bad debt
• Administrative complexity slows teams down
• High out-of-pocket costs delay care, leading to avoidable complications and higher-acuity utilization
• Seasonal care spikes in Q4, as patients rush to use benefits before deductibles reset

Fred invited the audience to, “Imagine a model where your hospital delivers care — without chasing payments.” 

Then, explaining Curative’s answer: a health plan designed around $0 out-of-pocket costs. Once members complete a Baseline Visit with a Curative clinician and Care Navigator, they continue with no cost-sharing for in-network care, including preventive, primary, virtual, and specialty care.

What no cost-sharing plans mean for hospitals

Curative’s model isn’t just patient-friendly — it’s hospital-aligned. Here’s how:

Predictable revenue

Because Curative members have no balance billing, hospitals bill Curative for the full amount directly. That means fewer write-offs, cleaner claims, and no collections activity.

Reduced administrative burden

With a simple plan design, streamlined coverage rules, and no patient billing layer, your team spends less time chasing claims and reconciling payment gaps — and more time focused on care.

No bad debt

The result of $0 member cost-sharing? Hospitals aren’t left holding the bag. Patients aren’t billed, so there’s no unpaid balance to chase.

More even care utilization

Because members aren’t waiting for deductibles to be met, care isn’t backloaded into Q4. Patients engage earlier and more consistently, smoothing out demand and improving outcomes.

Stronger patient engagement

The required Baseline Visit connects members with an in-network PCP and helps them understand how to navigate care. This early relationship increases follow-through, closes care gaps, and builds loyalty.

A model that works for both providers and patients

The Curative model flips the traditional dynamic: instead of making hospitals adapt to payer complexity, it supports financial and clinical goals from the start. 

We’re building a future where nothing stands between people and the care they need — and where hospitals are supported, not stalled, by the health plans they work with.

Want to explore what a Curative partnership could look like for your hospital system?

Learn more about becoming a Curative provider »