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.

Melissa Johnson, General Counsel and HR Manager, observed, “People were either coming to work sick or staying home sick without getting care. They had insurance, but they weren’t using it—because they couldn’t afford to.”

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:

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.”

“People who used to avoid care now say it’s the first plan they’ve ever trusted.”

Favorite part about Curative

“The respect, the courtesy, the care—they match our customer service values. Employees feel seen and supported. And that’s everything.”

The “no…really” moment

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

Melissa recalled, “They kept coming to me saying, ‘I still haven’t gotten a bill.’ I told them, ‘You won’t.’ That’s when it clicked—this plan is real.”

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.

Melissa Johnson affirmed, “I would wholeheartedly recommend Curative. They stand behind their product, and they truly care about our people. It’s been positive all the way around.”
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Índice de Contenidos

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

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

The outcome: Healthier, more engaged employees—and a stronger HR win

Favorite part about Curative

The “no…really” moment

The bottom line

Other Case Studies