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

Q: Does Curative have a waiting period?

Curative understands the importance of timely coverage. We follow your employer’s guidelines to determine when coverage starts, and typically, enrollment is completed within two weeks.

Q: How can I find out which doctors are in network?

EPO, PPO, and PPO Max members: Use our comprehensive Provider Search Tool to find in-network providers. For EPO Value Members: Sign in to the Member Portal and open the Curative Pass tool. Search for the care you need (e.g., “cardiologist,” “physical therapy”). Browse real‑time matches curated for your location and request. Select one or more providers—your unique Curative Pass is generated instantly. Use your Curative Pass when you book and attend the visit within the Pass window: your cost = $0.

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.

Big benefits. Predictable budgets. No, really.

Maryland and DC are home to law firms, federal contractors, established nonprofits, biotech companies along I-270, hospitality groups, and professional services firms with growing teams. Whether your employees commute on the Red Line, work hybrid from Silver Spring, or fill an office tower downtown — Curative was built for the way mid-sized and larger organizations in Maryland and DC actually offer benefits.

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

A next-generation group health plan

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.

Where we serve

Statewide coverage across Maryland and DC

Washington, D.C. — all 8 wards
Montgomery County
Prince George's County
Baltimore metro
Anne Arundel & Annapolis
Howard County & Columbia
Frederick & Western Maryland
Eastern Shore

Curative group health insurance plan options

Two ways to bring Curative to your team

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.

Testimonials

Coverage doesn't have to be confusing. Let them explain it.

I have never seen an employer and its employees absolutely love a health plan.

"Our agency went out on a limb to try Curative for one of our large groups. I must say we were a bit apprehensive in the beginning, but I have never seen an employer and its employees absolutely love a health plan. With our shared strategies, employees are engaged and understand their insurance."

Leading benefits broker in Texas

The results have been phenomenal.

"The results have been phenomenal. Curative's network has allowed us to maintain our previous doctors and specialists. Curative's customer service personnel not only verifies the in-network status of the doctors, they will call them to assure the offices know how to file the paperwork properly if there are questions. It seemed too good to be true but was absolutely worth trying compared to the direction of the other carriers over the past 10 years."

President

ECS Holdings

Here's what Maryland & DC employers need to know

Does Curative have a waiting period?

How can I find out which doctors are in network?

Get in touch

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.