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 that's built for better care
Give your employees a better healthcare experience without the unpredictable costs of traditional health insurance. Curative combines $0 copays, $0 deductibles, predictable costs, 24/7 member support, and access to a national provider network.And while your organization may be based in Maryland or D.C., your workforce doesn't have to be. Health insurance is available to employees nationwide.
Big benefits. Predictable budgets. No, really.
Big benefits. Predictable budgets. No, really.
Great health benefits shouldn't mean choosing between taking care of your employees and controlling costs. Curative makes healthcare simpler to use and costs easier to understand for employers and employees alike.
$0 copays and deductibles
for in-network care after completing a Baseline Visit
Predictable costs
Greater cost transparency helps employers plan with confidence while reducing financial barriers to care for employees.
Access to a national provider network
Employees have access to care whether they're close to home or across the country.
24/7 Member support
Our Member Services Team is available 24/7 to answer questions about coverage, finding a provider, and more.
Across all of Maryland and D.C.
Curative health plans are available to eligible employers throughout Maryland and Washington, D.C., with health insurance available to employees nationwide.
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.
Monthly premiums
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.
- 51+ 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.
A health plan that goes beyond Maryland and D.C.
Your headquarters may be here. Your employees don't have to be. Curative combines local market availability with health insurance available to employees nationwide, helping employers provide consistent benefits experience to teams wherever they're located.
*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.