Proactive care, realized: Jay’s Curative story
As a parent, Jay struggled to plan and budget for his family’s healthcare due to unpredictable costs and emergency visits, keeping them stuck in a reactive state. For the first time, Curative offered an affordable, supportive health plan that empowered his family to take control and own their health journey with $0 out-of-pocket costs from the start.
2 Minutes
Sep 2, 2025
The challenge
Unpredictable costs, delayed care
For years, healthcare for Jay and his family of five meant paying high premiums and navigating a confusing maze of out-of-pocket costs,often leading to delayed or avoided care.
This isn’t unusual. One in three working Americans have deferred seeking medical care within the past year due to concerns about their ability to cover the associated costs.
The solution
Care you can count on
With Curative, Jay’s family experienced a health plan that delivered exactly what was promised: affordable, accessible, and seamless care.
By reducing financial barriers, Curative encouraged Jay’s family to get ahead of health needs. For Jay, that meant fewer tough decisions between family finances and family health. For his employer, it meant a healthier employee who could bring his best self to work instead of being weighed down by medical bills.
The turning point
From dependent to empowered
For Jay, the true transformation was watching his daughters gain the tools and confidence to take ownership of their healthcare. For the first time, the family had a plan that encouraged engagement from day one.
Favorite benefit
Curative Cash Card
Jay’s go-to physical therapist had never been covered by previous insurance. Thanks to the Curative Cash Card, Jay finally had his trusted physical therapist covered for the first time.
“Physical therapy is a really important part of full recovery. Using the Curative Cash Card, I've been able to use that physical therapist. And that's been a huge help.”
Even better? Every member of his family had access to the same flexibility and support.
“All of our family members also have their Curative Cash Card, and they use that where they need. The supportive aspect of that is great, because it empowers our entire family to be proactive in their healthcare.”
The "no...really" moment
Received a bill? No problem.
When Jay’s daughter needed emergency care, they ended up at a newer facility not yet listed in the provider directory. A single call to the Care Navigator made all the difference.
“I got probably a $1,300 bill. I just scanned it, sent it to the Care Navigator, and you know, that's been taken care of.”
No long calls. No fighting with billing departments. Learn how Curative supports members when surprise bills show up.
Received a bill?The bottom line
A benefit too valuable to lose
Curative didn’t just meet expectations—it redefined them. For Jay, it’s a benefit that delivers real security, empowers his family’s health, and earns his trust. It’s the kind of plan worth fighting to keep.
Curative members don’t just use their benefits, they love them. For employers, that means offering more than just insurance. It means providing a benefit employees are excited about, talk positively about, and actually derive value from every day.
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