The challenge

High costs and health barriers in a skilled but wage-diverse workforce

Kaemark Manufacturing, based in Giddings, Texas, is a leading manufacturer of salon, spa, veterinary, and educational furnishings. The company operates from a 170,000-square-foot facility and employs a diverse workforce, ranging from hourly production staff to salaried professionals.

Historically, Kaemark offered traditional PPO and high-deductible HSA plans. However, many employees, especially those on lower wages, found these plans financially burdensome, leading to underutilization of healthcare services. Employees often avoided seeking care due to costs, resulting in untreated illnesses, increased absenteeism, and decreased productivity.

The solution

A $0 out-of-pocket health plan that supports a hands-on team

In October 2023, Kaemark partnered with Curative to introduce a $0 out-of-pocket plan with no deductibles, copays, or surprise bills—for those who complete a Baseline Visit.

Key features of the solution included:

• $0 out-of-pocket costs for in-network care

• A required Baseline Visit to initiate preventive care

• Dedicated Care Navigators and a user-friendly member portal

• On-site support during open enrollment to assist employees

• Direct communication channels for employees to reach Curative representatives

To accommodate employees less familiar with technology, Kaemark provided office computers and assistance for completing Baseline Visits. The feedback was overwhelmingly positive, with employees appreciating the personalized support and comprehensive care.

The outcome

Healthier, more engaged employees—and a stronger HR win

Enrollment Increased to 85%: A substantial rise from the previous 65–70%, indicating enhanced trust and satisfaction with the new plan.

Enhanced Health Engagement: Employees who hadn't seen a doctor in years began scheduling physicals and addressing health concerns proactively.

Improved Productivity: With accessible healthcare, employees sought timely medical attention, reducing absenteeism and enhancing overall productivity.

Positive Reception from Stakeholders: Even Kaemark’s private equity partners acknowledged the plan's value, with their broker stating, “We can’t touch this.”

Favorite part about Curative

The “no…really” moment

Two employees who gave birth under the plan were astonished to receive no medical bills.

The bottom line

Kaemark Manufacturing's partnership with Curative revolutionized their approach to employee health benefits. The company witnessed increased enrollment, heightened health awareness among employees, and improved productivity.