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 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. 

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.

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.