The challenge

Managing rising costs and enhancing benefit value

Like many companies in the construction industry, CPPI faced a tough talent environment marked by rising healthcare costs, retention pressures, and employee dissatisfaction with traditional insurance plans. Their previous carrier proposed renewal rates with increases as high as 60%, leaving employees burdened by high premiums, deductibles, and out-of-pocket costs, at a time when other household expenses like auto and homeowners insurance were also spiking.

All this considered, CPPI knew they had to offer more than just competitive wages—they needed to deliver better value to support retention, reduce employee stress, and rebuild trust in their benefits program.

The solution

A $0 out-of-pocket health plan that actually works

After considering self-funded models and evaluating other high-cost options, CPPI chose Curative’s revolutionary health plan model: $0 out-of-pocket costs with no deductibles, no copays, and no maximums—as long as employees completed a Baseline Visit within the first 120 days.

Curative provided a holistic onboarding experience with support from Member Services and Care Navigators, along with robust tools like the Member Portal and Curative Card to enhance engagement and access. The plan’s design encouraged preventive care, streamlined chronic disease support, and eliminated the financial fear that often kept employees from seeking care.

The outcome

Empowered employees, improved access, and total engagement

CPPI quickly saw strong adoption and satisfaction across the company. Key results included:

• 100% Baseline Visit completion: Every eligible covered employee completed the requirement—ensuring $0 access across the board.

• Dramatic boost in engagement: Employees felt empowered to take charge of their health and expressed excitement and gratitude for the new plan. “It’s no longer the big bad insurance wolf,” Humphries said. “They’re in the driver’s seat.”

• Better support, faster care: Urgent needs were handled within 24 hours. “I've never waited more than a day for a response,” Humphries said. “That's unheard of in insurance.”

• Stronger retention and culture: At the holiday party, employees repeatedly stopped Humphries to say, “Good call on the insurance,” and “We’re so grateful for Curative.”

Favorite part about Curative

The ‘no…really’ moment

One employee undergoing a complex medical challenge shared her situation during a Baseline Visit. The clinician immediately came on screen, offered support, and connected her to a case manager who now checks in monthly.

“They said, ‘We’re going to do everything we can to make this easy on you.’ I called our broker afterward, and we both had tears in our eyes.”

The bottom line