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.

“Nunca sabía realmente cuánto iba a gastar en un año. "Si se enferma, ¿cuánto le va a costar? {No puede gastar tanto.}”

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.

“Pero si hubiera ocurrido algo y el parto se hubiera retrasado, aunque solo fuera una semana, nuestro seguro se habría restablecido y nos habríamos enfrentado a un gasto adicional máximo de cinco cifras”.

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.

“Ahora, no lo pienso dos veces antes de buscar atención, sea cual sea el servicio, por miedo a los gastos. {Puedo centrarme en mi salud sin preocuparme por cómo afectará al presupuesto de nuestra familia.}”
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 timelineMás información sobre la Visita Introductoria
“En realidad, algo que surgió en mi visita introductoria es que no esperaba que mi promotor de salud realmente diera ese paso extra para cuidarme de esa manera. {Para eso es la visita introductoria: garantizar que, aquello que no pueda gestionar con suficiente facilidad por mí mismo, cuente con un profesional que me ayude en esas tareas.}”

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.

“Fui a un centro de emergencias y la mujer que estaba detrás del mostrador preguntó: ¿Aceptamos Curative? Le dije: Se encuentran dentro de la red. Por eso vine aquí. {Saqué la Curative Cash Card y se la entregué… sin dinero en efectivo. Sabía que se encontraba dentro de la red y no tenía que preocuparme en absoluto por una factura.}”

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.

To see all disclaimers, please view here.

shareShare
share
share
share
share

Get in touch

Your team deserves better…

Complete this form and a member of our team will be in touch shortly.

Get in touch

Your team deserves better…

Complete this form and a member of our team will be in touch shortly.

Curative for employers

Other Case Studies