Choosing Affordable Health Insurance: Where to Start
7 Minutes
Team Curative
Dec 10, 2022
Employers seeking out the best health packages for their employees must consider many factors up front. What is most important when choosing affordable health insurance is that you understand your employees’ needs and find a plan that centers individual health through comprehensive care. The best health insurance plan will take care of its members in the event that they need to visit the doctor for checkups, receive treatments, see a specialist, purchase prescription medications, or make an unexpected visit to the emergency room.
The Curative Health Plan is an affordable and comprehensive package that offers a wide range of health services with $0 copay and $0 deductible requirements for members who complete their Baseline Visit within the first 120 days of coverage, giving everyone peace of mind that their health care needs won’t ever break the bank. Connecting with a health insurance provider to learn about high-quality care and custom premium prices is one of the best ways to start choosing affordable health insurance for the workplace.
Benefits of Cost-Transparent Health Insurance
There are a number of ways to stay proactive when finding a plan that is in alignment with workplace goals and individual care needs. It is more important than ever to select an insurance package that benefits employees, as more than 11% of Americans are uninsured due to a lack of access to comprehensive care through their employer. Not only can reliable health care be there for you and your employees when medical care needs are imminent, but it can also keep everyone protected even when they are in the best of health.
There are many compelling reasons to seek out the most holistic and high-quality health plan for employers in Austin, including:
1. Rising Costs of Medicine
Prescription drugs and name-brand medicines are seeing wildly inflating costs, especially in the United States, causing patients in dire need of these drugs to suffer. Prices continue to soar incrementally, making health insurance more important than ever for those who need access to affordable medication. According to one HHS report, many prescription medications are rising in price at a higher rate than the average rate of inflation.
One leading reason for seeking out a cohesive health plan for employees is to gain access to prescriptions without copays for preferred drugs, with possible same-day delivery services available as well. The Curative pharmacy makes it possible for individuals to receive their medications with speed, accuracy, and, above all, affordability.
2. Crucial Access to Preventive Care
It’s no secret that the best form of treatment is prevention, and being able to schedule regular screenings and tests with your doctor is an important part of staying healthy throughout all chapters of life. The right kind of health insurance plan will cover screenings and checkups with no additional costs as long as members remain within their network of care.
3. Coverage During Emergencies
While you can never fully prepare for an emergency, there are preventive measures that can protect employees and their loved ones in the event of an urgent medical situation. It’s best to have a degree of protection on your side so you aren’t left on your own when an urgent situation does occur. Medical emergencies can become incredibly expensive, often leaving families with a stressful amount of debt on top of growing health needs.
A common question that employers and individual members alike will ask before choosing affordable health insurance is, “Does insurance cover urgent care?” While every insurance plan provides a different level of service, health insurance providers are required by the ACA to cover emergency services, and many of them also cover urgent care center visits.
Part of what makes the Curative Health Plan a proponent of next-generation care is the zero copay, zero deductible access to virtual urgent care services. When members experience situations that are urgent but not a medical emergency, they can sign up for an urgent care appointment through NormanMD with a guaranteed doctor’s visit in 10 minutes or less.
Find the Perfect Health Care Plan for Your Austin Employees
When choosing a health care plan for your entire company, it’s important to have an understanding of the needs of your employees and what kinds of services should be offered. The rapid changes made to the U.S. health care system during the COVID-19 crisis only amplified those needs, making it evident that comprehensive, holistic health care is the way of the future. It’s important to find an insurance provider that will customize a health care plan to suit the specific needs of every individual.
At Curative, we believe that modern health care plans should be modeled after today’s post-pandemic world, which is reflected in our member-centered services. Employers are encouraged to look for health coverage that centers each member through personalized services. A deep dive into your preferred health plan’s list of benefits can give you an impression of whether or not it is the right plan for your workplace.
Curative Health Plan Benefits
Our health plan was made by and for the people of Austin with a unique range of health needs in mind. As the newest large group health plan in Texas, Curative is on a mission to help you and your employees get better control over the health care process. In-network members who have completed their Baseline Visit within the first 120 days of coverage can continue accessing their care with $0 copays and $0 deductibles. The Curative Health Plan also offers the following benefits::
Just one monthly premium
24/7/365 access to virtual urgent care and telehealth visits
Access to the in-person Curative Commons, Austin’s newest health and wellness center opening in early 2023
A member support team who is available for communication 24/7
$0 copay and delivery services for many Rx types
Get in touch with our experts today to learn more about how your employees can take advantage of these individual and community-based benefits that redefine access to health.
Create a Resilient Workforce in Austin with Health Care Done Right
Employees in Austin are part of a diverse and growing community, and as a new hub of talent and growth, you can attract and retain top talent with comprehensive and cost-transparent health insurance. If you are an employer at a mid or large company of over 51 employees, you may qualify for Curative’s newest group health plans in Austin. Both you and your workforce can enjoy Austin-based provider networks and a robust list of in-network providers nationally through First Health, granting access to many doctors and hospitals that members may already be familiar with.
Through this extensive plan of care, members will be able to rely on 24/7 support and treatments that focus not only on solving the issue but on preventing one in the first place. By partnering with Curative, you can build a more autonomous, empowered, resilient, and healthy workforce who will be excited to come to work. If you are an Austin employer and want to gain access to some of the best care offerings in the area, get in touch with us to learn how to get affordable health insurance, and set up a fully customizable plan of care for your community today.
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