The challenge

Breaking free from costly, complex healthcare that didn’t serve frontline workers

Offering meaningful health benefits is a growing challenge in the competitive and high-turnover restaurant industry. Hourly employees often skip preventive care due to cost concerns and plan confusion, leading to unmanaged chronic conditions, high ER utilization, and avoidable absenteeism.

Frontier Enterprises had experienced this firsthand. “It was a never-ending cycle,” said Will Miller, HR Director. “Every year, we’d get the traditional 7–8% increase and have to reduce benefits to compensate. Our people were stressed, confused, and afraid to get care—even for preventive needs or mental health support—because of out-of-pocket costs."

Miller spent hundreds of hours exploring new options but found most alternatives were either too complex or didn’t deliver real impact. Then came Curative.

The solution

A simple, powerful $0 healthcare experience employees could believe in

When Frontier was introduced to Curative through their broker, Miller admits his first reaction was skepticism.

“No dejaba de preguntar: ¿cuál es el truco? ¿Sin copago? ¿Sin deducible? {Parecía demasiado bueno para ser verdad.}”

But Curative proved itself quickly. With $0 out-of-pocket costs, an easy-to-understand Baseline Visit requirement, a dedicated care navigator, and a comprehensive provider network (including the Curative Cash Card to expand access), the plan checked every box. More importantly, it made it easy for employees to get care without fear or confusion.

“Elegimos Curative porque podíamos ofrecer algo de lo que estuviéramos orgullosos, algo realmente diferente”, afirmó Miller. {“Es fácil de usar, pero las ventajas para nuestro equipo son enormes”.}

Implementation was smooth. The only challenge? Helping employees unlearn years of distrust in the healthcare system.

“La gente seguía preguntando si era real”, afirmó Miller. {“Pero una vez que lo experimentaron, estuvo claro”.}
The outcome

Reduced stress, increased access, and a big win for recruitment and retention

Since launching Curative, Frontier has seen measurable improvements in employee satisfaction and engagement with their benefits. Key results include:

Improved access to care:

Preventive care utilization is up, and members are no longer afraid of hidden costs.

{“Curative ha cambiado la forma en que nuestros empleados contemplan la atención médica”}, afirmó Miller.

Real-life success stories:

One employee used the Curative Cash Card to return to their trusted doctor—even though they were technically out-of-network. Others have accessed mental health services, labs, and telemedicine with ease.

Stronger attraction and retention:

“Cuando entrevistamos a nuevos gerentes, se quedan impresionados”, afirma Miller. {“¿Y nuestro personal actual? Ya están preguntando si vamos a conservar Curative para el año que viene”.}

Cost confidence and proactive care:

“Mejor prevenir que curar” afirmó Miller. {“Todos ganan: los empleados y la empresa”.}

Favorite part about Curative

“El promotor de salud dedicado. {Nuestros empleados pueden llamar, enviar un mensaje de texto o un correo electrónico a alguien que conoce su nombre y su historial.} Eso es algo inaudito en los seguros tradicionales”.

The ‘no…really’ moment

“Aproximadamente seis meses después, empezaron a detenerme en los restaurantes. La gente me preguntaba: Lo mantendremos el año que viene, ¿verdad? {Entonces supe que teníamos algo especial.}”

The bottom line

“Curative cambió las reglas del juego. Es sencillo, eficaz y hace que la gente se sienta cuidada, no solo cubierta. {Ya lo he recomendado a otros empleadores y volvería a hacerlo.}”
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