Employees delay care due to cost. High out-of-pocket costs lead to deferred care, more absences, and disrupted public services.
Turnover is rising. Government employers struggle when benefits feel outdated or hard to use.
Plans are complex and underused. Confusing, high-deductible plans reduce engagement and increase administrative burden for HR and Finance teams.
Healthcare costs are unpredictable. Utilization spikes and high-cost claims strain already limited public budgets.
Health benefits built for today’s public sector workforce
A modern health plan for government teams and budgets
Curative’s $0 copay, $0 deductible health plan removes cost barriers to care, helping public sector or government employees stay healthy while keeping healthcare spending predictable.
Stronger workforce health outcomes and responsible cost control
Attract and retain top talent. Offer a modern health benefit that makes government jobs more attractive than ever.
Reduce absenteeism and burnout. Affordable access to care, including mental health support, helps employees show up consistently.
Improve cost predictability. Early care and higher engagement help prevent claim spikes and stabilize healthcare spending.
Is your current health plan making it harder to serve your community?
A health plan designed for modern government realities
A health plan designed for modern government realities
Curative removes financial barriers to care with $0 copays and $0 deductibles, encouraging early treatment, stronger workforce stability, and more predictable costs.
$0 out-of-pocket costs employees actually value
No cost for in-network care and preferred prescriptions.
Preventive care that supports service continuity
The Baseline Visit helps identify health risks early, reducing avoidable claims and absenteeism.
Accessible support that drives engagement
Care Navigators and 24/7 member support help employees understand and use their benefits with confidence.
Give employees a $3K+ raise without increasing your budget
Tight budgets don’t have to cost you talent. A $0 deductible health plan can deliver $3,000–$4,000 in annual take-home value per employee — without raising salaries or adding budget strain.
Read the 4-step playbook
Health benefits built for today’s public workforce
See how a smarter health plan can support your workforce and your budget
If your current health plan isn’t delivering for employees or your budget, it may be time for a change. Learn how Curative’s $0 out-of-pocket health plan supports predictable costs and a healthier public sector workforce.