The Innovative Health Insurance Texas Has Been Waiting For
The State of Health Insurance in Texas
In the wake of the COVID-19 pandemic, it’s apparent that there are cracks in the United States health care system. As of November 14th, 2022, 9.5% of American adults were uninsured, despite the Health and Medical Insurance industry having grown an average of 3% each year for the past five years. Why do so many adults still not have health insurance?
In addition to those without health insurance, many are without adequate coverage due to high costs and benefits that don’t actually cover what many people need and want. For those offered employer sponsored health insurance, high deductibles are a major factor in people opting out, reducing their access to preventive health and well-being practices. When deductibles have surged 68.4% over the last decade, and medical debt has skyrocketed even for the insured, it becomes difficult for people to prioritize their health and wellness.
Texas is home to both the highest number of people without health insurance and the highest percentage nationwide. In 2019, 18.4 percent of Texans were without health insurance, twice the national average of 9.2 percent. The Texas Alliance for Heath Care (TAHC) predicted that the number of uninsurance Texans could rise to 6.1 million by 2040.
It’s time for a change in health care for people, companies, and health insurance brokers. That’s where the Curative Health Plan comes in.
Curative is dedicated to bringing common sense to health insurance in Texas. Our mission as one of the best health insurance options in Texas is to transform health care by creating better experiences and outcomes.
Curative is transparent in pricing, benefits, and wellness incentives. That means we’re not only honest about our Health Plan, but we’re also frank about the state of the health insurance industry and how we’d like to change it.
We're on a mission to upend traditional health care coverage.
The Curative Health Plan
From employees to employers to health insurance brokers, making an informed decision regarding a health insurance plan starts with understanding the insurance process and common terminology. We’ve broken down the ins and outs of Curative’s health plan so members and employers know exactly what to expect.
Curative’s Health Plan is available to employers with 51+ employees. Curative boasts a strong, comprehensive Austin-based provider network that includes major providers such as the Austin Regional Clinic (ARC), Austin Diagnostic Clinic (ADC), all of St. David’s facilities, among many others, as well as 24/7/365 access to a local physician in under 10 minutes via telemedicine.*
Effective 2023, members will also have access to HCA, Ascension/Seton (with Dell Children’s Hospital), and Baylor Scott White, making Curative’s health insurance plan’s PPO network one of the largest provider networks in the Austin area. Curative provides member access to a growing list of 18 hospitals with more than 9,500 physicians in the greater Austin region. In addition, through a relationship with First Health Network™, Curative has a broad, nationwide provider network.
Curative’s featured benefits confirm that we’re the best health insurance plan for Texas. Our differentiators include:
Transparency
$0 copay
$0 deductible
$0 out-of-pocket for preferred drugs**
Quality
A high-quality provider network, including many known doctors and hospitals
Access to as-soon-as same-day delivery from the Curative Pharmacy
A Proactive Approach to Health Care
One-to-one access with a Care Navigator
Initial Baseline Visit
The Baseline Visit is an individualized appointment with a Curative Clinician and Care Navigator. The Baseline Visit focuses on the complete well-being of members and shares how to best utilize Curative benefits and resources. The purpose of the Baseline Visit is to help members learn about the Curative Health Plan, identify health goals, and lay a foundation for meeting current and future health needs. Members must attend a Baseline Visit within 120 days of the start date of their health insurance to avoid copays and deductibles. This visit supports overall well-being and will not impact coverage other than to ensure access to the most cost-effective benefit offerings.
The Curative Health Plan allows members access to health care on demand. With access to 24/7/365 telehealth with physicians via Norman MD* and anytime text or email with a Curative Care Navigator, members receive care on their schedule.
Not only can members access physicians anytime, they’ll also get medications delivered quickly and at a low cost in select cities. Our Curative Pharmacy online search tool allows members to easily see which prescriptions are preferred or non-preferred. Depending on the medication, we offer tiered levels of prescription pay:
Tier 1 - $0 copay (all preferred drugs)
Tier 2 - $50 copay
Tier 3 - $250 copay
Members in Austin will receive as soon as one-day delivery for medications.
The Benefits of The Curative Health Plan
As one of the best health insurance companies in Texas, Curative prioritizes members’ health and well-being. We believe in a simple approach to health care delivery—one that is cost-transparent, innovative, and patient-centered with exceptional service.
We don’t want members to have to jump through hoops to access high-quality care. Our health plan includes high-quality benefits and offerings with one premium, set with the employer. We stick to our word: no copays, no deductibles for in-network care, and preferred prescriptions upon completion of the Baseline Visit within 120 days of enrollment.
When employees are offered an employer sponsored health insurance plan they love to use, employers see a healthy and productive workforce.
It’s clear that employee health is intertwined with engagement at work. In fact, it's almost undeniable in the business world, as 90% of business leaders confirm that promoting wellness can affect productivity and performance. Providing a transparent, innovative, comprehensive health insurance plan with one of the best health insurance companies in Texas at businesses shows employees how much their health goals are valued, encouraging them to put their well-being first. With Curative, employees can take charge of their health, never worrying about accessing care when they need it.
Because we know that when employees are healthier, they’re happier.
Attract and Retain Top Talent with Health Benefits
Not only does the Curative Health Plan give companies a competitive edge, but it also saves companies money. Employers have been exploring innovative health plan designs that deliver the best care possible to their employees at the best price. The cost-transparent, comprehensive benefits included in the Curative Health Plan help attract and retain top talent.
For example, 87% of employees consider health and wellness offerings when choosing an employer. Additionally, 49% of employees are expected to leave their job over a lack of benefits in the next year.
If two companies offered an employee the same salary, one with a patient-centered, employer sponsored health insurance plan would make all the difference. Curative’s health plan is up to the challenge.
Higher employee presenteeism and productivity also occur when employees experience fewer financial burdens due to soaring medical costs. Employee anxiety regarding health care is most often financially related—specifically due to overwhelming health care costs. According to a poll conducted by the Kaiser Family Foundation, four in 10 US adults have some form of medical debt. Moreover, one in five adults with medical debt believes they’ll never be able to pay it off.
Curative wants to change that.
Curative’s Health Plan provides employees with financial breathing room, so they can focus at work knowing their health is prioritized. For an employer sponsored health insurance plan employees will love, businesses can’t go wrong with Curative.
Curative Benefits for Health Insurance Brokers
Curative is the best health insurance company for benefits brokers’ clients in Texas. We work with health insurance brokers to help your clients with our innovative, transparent, patient-centered health plan. With Curative, your clients can offer a wellness-centered option to their employees, and you’ll stay competitive.
The Curative PPO provider network is ever-growing. The Curative PPO provider network includes physicians at Ascension/Seton (with Dell Children’s Hospital), Austin Regional Clinic, The Austin Diagnostic Clinic, Baylor Scott & White, and St. David’s/HCA Healthcare. Additionally, access to First Health’s Prime Network is available for any care needed outside of Austin. Curative members also benefit from 24-hour virtual urgent care through our partnership with Norman MD.
With our emphasis on preventive, timely coverage for improved health care outcomes, the Curative Health Plan meets clients’ needs in a growing job market.
We believe the future of health care lies in emerging technology and programs and developments that help people reach their full health potential. Our expert team of Care Navigators works with Curative health plan members on their health goals, and our exceptional always-on-call telehealth physicians ensure members receive the care they need. We’ve embraced the role of technology in our Health Plan to deliver high-quality health care wherever and whenever members are.
Transitioning health plans has historically been complicated, but we can make things easy. When your clients are ready to sign up for Curative, we’re ready to help. Time is of the essence when it comes to the annual enrollment period, which is why Curative offers quick set-up and timely, competitive quotes.
Partnering with Curative
We value the important relationship between health insurance brokers and employers when choosing the right health plan. That’s why we’ve ensured that bringing Curative to employees and clients couldn’t be easier.
The first point of contact with Curative can come directly from an employer or a health insurance broker. If a conversation about our health plan starts directly with an employer, the Curative sales team seamlessly collaborates with the health insurance broker to manage the relationship. We guarantee we’ll always respect the relationship with brokers to bring your employees the best care possible. If the conversation starts with a broker, we’ll provide all the materials to inform your employers of their options.
Curative is building health care for a better tomorrow.
Learn more about Curative’s innovative, transparent take on health insurance in Texas at https://curative.com/why-choose-curative.
**Curative members are eligible for no copays and no deductibles if they complete a Baseline Visit within 120 days of their enrollment.
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*Health care provided through the NormanMD network of medical providers. Treatment options and eligibility determinations made by independent licensed medical providers.
* Patients experiencing a medical emergency or who have concerns about their medical situation should call 911 (or the local emergency number) immediately."