These days, great employer-sponsored health insurance coverage seems to be in short supply. The need for unhindered access to effective, high-quality, and affordable healthcare insurance has never been greater. This rings true for Floridians in particular, with Florida ranking second in the nation for medical debt — a combined total of $8.2 billion. However, offering an innovative health insurance plan to employees that includes coverage for important benefits can reshape the state of Florida’s health.
Introducing progressive health benefits to employees certainly improves health at the individual level, but these services also positively impact employers. Employees who have access to crucial health benefits, like full preventive care coverage, are encouraged to invest in their health without the lingering fear of medical debt; a reality that 100 million Americans struggle with today. As a result, rates of absenteeism and presenteeism decline, workers are less likely to leave their job for better benefits at another company, and employee satisfaction improves.
Health insurance brokers can seek out innovative health insurance Florida deserves and offer employer sponsored health insurance with the power to transform workforces. These plans will give brokers a strong competitive advantage in an ever-changing job market.
20 percent of those 100 million Americans who struggle with medical debt never expect to pay it off. One Florida man, Ryan Naylor, injured his ankle at a work kickball practice in May of last year and is now facing upwards of $177,000 in medical bills. “It’s just like a never-ending swamp of bills that just continue to come in,” Naylor explained.
Florida employees deserve better from their employer-sponsored health insurance. But before diving into the ways brokers can help improve high-quality healthcare access for Florida employees, it’s important to understand the state’s job market as it stands and how health insurance is regulated.
As of May 2023, there were 9,726,100 non-agricultural employees in Florida, an increase of 3.7 percent (or 346,600 jobs) since May 2022. Though Florida has an unemployment rate of 2.6 percent, the state has several fast-growing industries:
Professional and technical services
Real estate, rental, and leasing
Healthcare and social assistance
Florida’s ever-changing job market means employers must keep up with the state’s health insurance regulations. The Office of Insurance Regulation is responsible for the regulation, compliance, and enforcement of statutes related to insurance and the monitoring of industry markets. Specifically, the Life and Health Product Review Unit reviews and approves health insurance policy forms and rates to ensure compliance, while the Market Regulation Unit examines and investigates practices and alleged violations of the Florida Insurance Code.
Employers with 50 or more full-time employees are required to offer affordable health insurance options under the Affordable Care Act, while small businesses with fewer than 50 employees are not required to provide health insurance.
Florida offers a variety of health insurance options for residents, including employer-sponsored plans, individual and family plans, and government plans like Medicaid and Medicare. 40 percent of the state’s population receives their health insurance coverage through their employer, opening the door for significant improvements in the health and well-being of millions of Florida employees and their families.
Since the Florida job market is constantly growing, employees deserve a healthcare plan that moves with the times.
Curative is on a mission to upend traditional healthcare coverage. We want to transform healthcare by creating better care experiences and outcomes. Born out of the COVID-19 pandemic, we realize communal well-being is fundamental to individual health.
Our health plan focuses on the big picture: helping members reach a state of total physical, mental, and social well-being so we can all build a healthier tomorrow, together. In doing so, our plan is centered on five key pillars: transparency, quality, a proactive approach, support via the Baseline Visit, and convenience.
We want to normalize health insurance paying for healthcare. Our commitment to price transparency means employees know exactly what they might have to pay before they seek care, with no surprise bills. After an employee completes their Baseline Visit within the first 120 days of Curative membership and seeks in-network care, they’ll enjoy:
$0 out-of-pocket costs
$0 prescription options for nearly every condition
1 monthly premium cost (that’s it!)
With total price transparency, Curative allows employees to focus on care — not costs.
Curative offers a broad network of high-quality providers in Florida and nationwide, so employees know they can access the care they need no matter where they are. The Curative network includes:
~1 million professional providers
170,000 ancillary facilities
24/7/365 access to a local physician in under 10 minutes via HealthTap
Access to supplemental First Health network
For many employees, figuring out where to find medical care isn’t the problem: it’s understanding how their plan works. The best health insurance companies recognize the importance of having built-in support for members, easing the challenge employers face by ensuring all employees know how to navigate their health plan.
When a member joins Curative, they’re introduced to their designated Care Navigator. Members know their Care Navigator by name and can text, call, and email them for help and guidance throughout their health journey with Curative’s health plan. Many of our Care Navigators are bilingual. Care Navigators save employers money in five ways:
Connecting employees to the care they need, when they need it
Finding the right place for care
Enhancing health literacy to improve health outcomes
Incentivizing preventive care
Allowing employees to focus on work
With dedicated, go-to support experts who know Curative’s plan inside and out, health insurance brokers can’t go wrong by offering Curative to Florida employers.
As soon as an employee joins Curative, they’ll be able to schedule their Baseline Visit. The Baseline Visit is an individualized appointment with a Curative Clinician and Care Navigator that focuses on each member’s complete well-being and shares how to best utilize their Curative benefits and resources. The Baseline Visit is to onboard new members to the Curative health plan, understand their health goals, and work with them to meet their current and future health needs. New members must attend a Baseline Visit within 120 days of the start date of their health insurance to continue to have $0 copays and $0 deductibles.
The Baseline Visit is not to find pre-existing conditions, and it is not a test; members do not “fail” or “pass” no matter their level of health. This visit is to support each member’s overall well-being and help them be the healthiest version of themselves, and will not impact coverage other than ensuring members have access to their maximum benefits.
Employees shouldn’t have to fight to access necessary healthcare. Curative skips the complications and offers members convenient pharmacy benefits, including:
Robust pharmacy network that offers preferred and non-preferred medications
$0 copay on preferred medications
Transfer of existing prescriptions to the Curative Pharmacy
Pharmacy partnership with Publix
Put simply, we’ve developed the Curative health plan with these five areas in mind because we want people to want to use their health insurance — and to love doing so.
The best health insurance companies don’t make members fight for coverage. Instead, they simplify it, so people can focus on care — not costs.
At Curative, we believe in the groundbreaking idea that using health insurance should be easy. We envision a future where nothing stands between members and the care they need. We want members to use their plan. That’s why we’ve designed our health plan to be as simple as possible for Floridians and their families.
Curative’s re-imagined take on employer sponsored health insurance coverage makes it the best health insurance in Florida. Our health plan delivers numerous advantages that employees are looking for right now:
Cost savings - Curative’s plan has no copays or deductibles; the premium is set by each employer.
Quality providers - Curative’s plan includes a strong national provider network.
Preventive care coverage - Curative’s plan covers preventive care services for your physical and mental health.
Yet, the advantages of Curative’s health plan don’t stop at the individual employee level. When Florida employers partner with Curative, they gain a competitive edge.
Today’s employees want to take charge of their health. 87 percent of employees consider health and wellness offerings when choosing an employer. Furthermore, nearly half of employees will leave their job in the next 12 months due to a lack of benefits. It’s no coincidence that rising healthcare costs have unleashed severe stress and anxiety on employees with health concerns, and without effective healthcare coverage, the financial stress starts to impact each area of their lives — including work.
If an employee has anxiety, their worry is most likely financial. As of 2023, 76 percent of employees experience moderate-to-high stress levels, with 37 percent citing financial pressure as their top cause of non-work-related stress. Moreover, that stress is almost certainly the result of healthcare: 41 percent of Americans are in medical debt.
Employees who struggle with financial burdens related to healthcare are unable to focus at work, leading to lower rates of productivity and higher rates of absenteeism and presenteeism. As a result, company success suffers, and employers are left with an unhealthy, unmotivated workforce.
When employees have access to comprehensive and affordable coverage that is easy to understand, they’re more likely to confidently see out care, including preventive care. Preventive care programs allow employees to spot illnesses before they become more serious (and costly) problems.
Yet, employers are concerned about cost too, with many having implemented cost management tools and strategies over the past few years to help reduce medical debt among employees. Today, 83 percent of companies are looking to increase their wellness benefits.
Though the demand can seem daunting, employers should view the employee need for better health coverage as a tool in their recruitment wheelhouse. For example, they
can highlight their selected employer-sponsored health insurance as an advantage if a prospective employee is torn between two companies offering the same salaries.
In a recent survey, over 90 percent of business leaders agreed that performance (quality of work) and productivity (quantity of work) improved after employee wellness was prioritized. Meaning that a progressive, innovative, transparent health insurance plan like Curative can improve overall employee job satisfaction and help Florida employers re-energize existing employees, as well as attract and retain top industry talent.
Employers need to adapt to the changing workforce to recruit top-notch employees, and health insurance brokers are the key to unlocking the best health insurance company for Florida’s employees.
We recognize how committed you are to connecting clients with the best possible health insurance plan. As a health insurance broker, you can help your clients save money with a new kind of health plan based on affordability, engagement, and simplicity. Not only will you stay competitive, but your clients will be eager to join the Curative community.
At its core, Curative is built for the growing job market:
Timely care, anywhere – With a large portfolio of providers in collaboration with First Health, employees can access preventive, timely care wherever their work might take them.
Exceptional service – Our Care Navigators provide exceptional service to members, working together to navigate every individual’s health journey.
Speed – Employers can count on a quick set-up and timely, competitive quotes when you help them partner with Curative.
Innovation – We use emerging programs and technology to help members reach their health ambitions.
We know that transitioning health plans has historically been complicated, but we can make things easy. We’re generally able to quote under your normal renewal rate with your current providers and will support you throughout every step of the implementation process. Curative can be sold as a total replacement or option product. In return, we offer a competitive compensation structure.
You can trust that when you offer Curative, you’re offering a plan that’s well-positioned to transform health insurance:
A- (Excellent) financial strength rating affirmation from the global credit rating agency AM Best
$100 million in Curative Inc. capital infused to strengthen its Curative Insurance Company subsidiary
Building technical capabilities to support a sustainable, innovative business model
The process for partnering with Curative couldn’t be simpler. When getting started, either an employer or a health insurance broker can contact Curative. Typically, employers work with a broker. We are mindful of and respect the vital relationship we have with brokers. If a conversation about partnering with Curative starts directly with an employer, the Curative sales team will loop in a broker to manage the client relationship.
If you’re a broker looking to sell Curative, you can get in touch with us on our website and someone from our team will be in touch right away. We’ll schedule a time to meet and walk through our plan together. Then, when you’re ready, we’ll send you our broker application form. We’ll answer any questions you may have throughout the process.
Dive into why Curative is the best health insurance Florida provides by visiting us here.
To see all disclaimers, please view here.
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