Managing diabetes, not bills: Kevin’s story with Curative
For nearly 30 years, Kevin Mast balanced his career and life while managing Type II diabetes—an everyday reality that required strict medication adherence and frequent doctor visits. But under traditional high-deductible health plans, the cost of care often forced him into impossible choices: rationing prescriptions, skipping appointments, and living with constant financial stress. That changed when his employer switched to Curative. Kevin experienced a new kind of healthcare: affordable, simplified, and built to work for him.
3 Minutes
Oct 21, 2025
The challenge
The hidden costs of HDHPs
After four decades in the workforce, Kevin had seen it all: high-deductible plans, flex spending accounts that ran dry, and the stress of unpredictable medical costs.
The financial strain led to dangerous compromises. Like many Americans with chronic conditions, Kevin sometimes rationed medication or skipped care.
Employees like Kevin aren’t rare. Across the U.S., people with chronic conditions like diabetes face some of the highest health care costs in the U.S., often leading to skipped care.
*Statistics taken from a 2023 Curative survey of U.S. employees. Sample included aggregated and weighted responses of 2,502 adults (aged 18+) residing in the United States.
When employees skip care, employers face a ripple effect: higher long-term costs, more sick days, lower productivity, and disengagement.
The solution
Coverage that starts day one
When Kevin’s employer switched to Curative, Kevin’s skepticism lasted exactly until his first pharmacy visit. For the first time in decades, his prescriptions were $0
Curative’s game-changing approach:
$0 copays and deductibles, starting day one (with completion of Baseline Visit*)
$0 prescription costs for preferred medications
Proactive care navigation and 24/7 support
Kevin left the pharmacy in disbelief; his prescriptions had cost him nothing. Immediate benefits mean immediate employee satisfaction and engagement—no waiting periods, no gradual phase-ins, just instant value that employees recognize and appreciate.
The turning point
More than just savings
Looking back over 30 years of diabetes management, Kevin sees clearly what comprehensive coverage could have meant for his health, his finances, and his family.
Favorite benefit
Full Support
His coverage went beyond just eliminating costs. During his Baseline Visit, his Care Navigator made sure he understood every detail of his coverage.
“When I did my Baseline Visit, she [Care Navigator] went through and stopped, and she asked me, 'Do you understand this? Do you understand that?' Wow, you guys made it so easy to follow."
When employees clearly understand and use their benefits, employers see higher engagement, fewer care gaps, and a stronger return on their health plan investment.
The "no...really" moment
“Zero, honey!”
At home, Kevin’s wife used to hear about the latest medical bills. Now, the conversation is different.
“When I come home, I'd be screaming about what this one cost or what that one cost and how much this, and my wife says, ‘you have to pay it’. But now when I come home, ‘zero, honey!’”
The bottom line
Better for Kevin. Smarter for his employer.
Kevin's diabetes management went from his biggest stressor to his greatest relief. For Kevin, $0 meant peace of mind and consistency in care. For his employer, it meant better health outcomes and an employee who feels supported and grateful.
“It means a lot that they looked into Curative. I'm truly thankful that I am here at my company, and it was nice of them to do that for us. As long as the company keeps me, I'll be all right.”
Kevin’s story isn’t unique. Across chronic conditions, financial barriers prevent employees from getting care—driving up costs and reducing productivity for employers. Curative removes those barriers and delivers healthier outcomes for employees and measurable returns for companies.
The takeaway: An investment in employee wellbeing is an investment in your business. Kevin’s story proves both employees and employers win with Curative.
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