The challenge

Healthcare confusion and cost anxiety

For Patrick, healthcare had always been a source of stress and uncertainty. Despite being insured for years under traditional plans, the out-of-pocket costs were unpredictable and dissuaded him from seeking care.

“You never really knew how much you were going to be spending in a year. If you get sick, how much is it going to cost? You can’t budget for that.

32% of U.S. employees felt anxious about delaying medical care because of financial concerns in the past three months. This ambiguity even affected major life moments. When his second child was born just before the new year, the timing alone saved him thousands in reset deductibles.

“But if something had happened and the birth was delayed by even a week, our insurance would have reset, and we would have been facing a five-digit out-of-pocket maximum.

This cost anxiety led Patrick to delay care. Like many employees, he had coverage but no real sense of financial security.

The solution

A truly $0 out-of-pocket healthcare experience

  • Affordability: When employees feel their health costs are transparent and affordable, they will be more likely to seek both preventive care and medical treatment earlier to help avoid complications and costs in the long-term.

  • Engagement: Curative builds engagement with employees from day one by facilitating trusted relationships with a Care Navigator following their Baseline Visit.

  • Simplicity: A stress-free, straightforward health plan with built-in support removes barriers employees have faced with traditional health plans.

The turning point

Empowered, engaged, and proactive

The Curative plan changed the way Patrick engages with his health. Previously, cost was a deterrent. Now, when he needs it, he seeks care without hesitation.

“Now, I don’t think twice about seeking care, no matter what the service, due to fear of money. I can now focus on getting better without worrying about how it will affect our family’s budget.
Favorite benefit

The Curative Baseline Visit

One of the standout features of Patrick’s experience with Curative was their Baseline Visit, where the support and proactive care provided by their Care Navigator exceeded his expectations. 

Baseline visit timelineLearn more about the Baseline Visit
"Actually, something that got brought up in my Baseline Visit is something that I did not expect my Care Navigator to actually take that extra step—to look out for me in that way. That’s what the Baseline Visit is for: to make sure that whatever I can't sort of navigate easily enough on my own, there is a professional there to help me do those things."

The ‘no…really’ moment

The Curative Cash Card

Patrick was especially impressed by the Curative Cash Card, a credit card that simplifies access to in-network care and ensures seamless coverage while maintaining $0 out-of-pocket costs.

“I went to an urgent care, and the woman behind the desk asked, ‘Do we take Curative?’ I said, ‘You’re in-network. That’s why I came here.’ I pulled out the Curative Cash Card and handed it to her… zero money out of my pocket. I knew that it was in-network and didn’t have to worry about a bill at all.

The bottom line

Employee wellbeing, transformed

Since his employer switched to Curative, Patrick not only feels better supported, but he sees the health plan as a reflection of his company’s culture. The experience continues to shape his trust in both his employer and the healthcare system.

With Curative, members can face their health journey with assurance that they can access care when they need it. Patrick’s journey proves what’s possible when barriers are removed from healthcare. What once felt “too good to be true” is now the new standard in how healthcare should work.

“One of the things that I believe sets my employer apart is their culture and their overall care for their employees. Now that they are with Curative, I believe that from a benefit standpoint, it sets them apart from anyone else.

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