Curative Insurance Company currently offers level-funded plans in Maryland and the District of Columbia. Fully insured plans are available in the District of Columbia, with Maryland fully insured offerings pending regulatory approval.
Meet Curative for Maryland & DC
Group health insurance built for Maryland and DC
From Bethesda to Capitol Hill, Baltimore to Bowie — Curative gives mid-sized and large Maryland and DC employers a simpler, more affordable group health plan. $0 copays, $0 deductibles, and one predictable monthly premium your workforce will actually use.
What your team gets
With Curative, your team gets:
- $0 copays, deductibles, and out-of-pocket costs after a Baseline Visit.
- One transparent, fixed monthly premium — no surprise bills.
- Local Maryland and DC providers plus national coverage when you travel.
- 24/7 telehealth and bilingual member support
Designed for Maryland and DC employers. Loved by their employees.
1 monthly premium
Straight-forward, transparent cost structure so your members always understand and appreciate their benefits.
$0 in-network care
Empower your team to seek the right care at the right time — and prevent minor issues from becoming costly emergencies.
24/7, 365 telehealth
See a provider without sitting in a Beltway traffic jam or missing a metro. Care when and where members need it.
The Baseline Visit
An annual two-part check-in — Baseline onboarding plus a one-on-one Zoom with a Curative Clinician — that creates a personalized care plan and keeps $0 in-network coverage active.
24/7 member support
Members get help with coverage questions, finding care, and claims — anytime, day or night.
Built for the Maryland and DC workforce
Federal contractors, biotech, hospitality, professional services — we know how mid-market and larger Maryland and DC employers structure benefits.
Two ways to bring Curative to your team
Curative Insurance Company currently offers level-funded plans in Maryland and the District of Columbia. Fully insured plans are available in the District of Columbia, with Maryland fully insured offerings pending regulatory approval.
Level-funded
For employers who want more transparency — and a chance to save when claims come in under budget. Get back 50% of unused claim funds at year-end.
- 20+ employees
- Available to MD- and DC-headquartered companies
Fully insured
For employers who want Curative to handle it all — predictable premium, no claims-fund management.
- 51+ employees
- Available now in the District of Columbia. Coming soon to Maryland
How Curative works
Three steps to better benefits
Step 1 — Enroll through your employer
Your team signs up through group coverage. Quick onboarding, no paperwork pile.
Step 2 — Complete a Baseline Visit
Within 120 days of your plan start date, each member completes a comprehensive check-up to maintain $0 in-network care.
Step 3 — Access $0 in-network care
Preventive, urgent, and ongoing care — across Maryland, DC, and nationwide — at $0 in-network.
Coverage doesn't have to be confusing. Let them explain it.
We want to be your partner in building a healthier Maryland and DC workforce.
Talk to a Curative specialist who knows the Maryland and DC market. No pressure, no jargon — just a real conversation about what works for your team.
*In order to continue with $0 in-network care, members must complete a Baseline Visit within 120 days of their plan effective date.
Curative Insurance Company currently offers level-funded plans in Maryland and the District of Columbia. Fully insured plans are available in the District of Columbia, with Maryland fully insured offerings pending regulatory approval.