Health Insurance Options: What Are They?
7 Minutes
Team Curative
Dec 7, 2022
In today’s ever-changing market of options, it can be difficult to find the perfect health insurance plan to suit your needs. As an individual, you want a plan that is easy to understand with no hidden fees or surprise bills when you have medical needs. As an employer with 51 employees or more, you want to select coverage that offers comprehensive care that’s cost effective. No matter your needs, you are bound to have a few questions about the effectiveness of your prospective plan.
For many, a health insurance plan that offers no copays or deductibles seems too good to be true. How high is the quality of services? How can members receive their preferred medications? Are personalized care plans available through employer-based health offerings? Why would Texas employers and employees benefit from the employer-based Curative Health Plan package?
The Curative Health Plan embodies true and comprehensive health care. With clear-cut costs, in-network treatments after a Baseline Visit, and exclusive access to the Curative Commons in Austin, our health care options allow for newfound flexibility in getting the care you need. If you are looking for new health insurance, you need to know what options are available that can provide complete care with clear-cut costs.
Health Plan Options Available to You
Most health insurance plans are available as Preferred Provider Organizations (PPOs) or Health Maintenance Organizations (HMOs). While both types of plans offer flexibility and access to care, there are some key differences in the way that members access their doctor and pay for services. Let’s break it down further:
Preferred Provider Organization - PPO Health Plan
PPOs are a type of health plan that can help individuals get more flexible access to care without paying monthly. PPO plans often let their members schedule appointments with specialists directly rather than having to visit a primary care physician first. One caveat of a PPO plan is that patients may need to pay more upfront when visiting their doctor, although unique packages like the Curative Health plan offer zero-copay, zero-deductible options for members who complete a Baseline Visit within their first 120 days.
PPO plans offer a network of providers to patients, but patients don’t necessarily need to stay within these networks to receive care. PPO plans can be a convenient choice for those who don’t want to go through the process of getting a referral from their doctor every time they are looking to see a specialist. Each visit to the doctor might cost more when a patient is out of network , but they will likely still end up paying lower premiums than they would with an HMO plan.
Health Maintenance Organization - HMO Health Plan
HMOs offer members direct access to their in-network primary care physician, who they will want to visit each time they need to see a specialist. While copays and deductibles are possible, patients can end up paying less for each appointment if they see their doctors frequently.
An HMO health plan may also be a better option for those who expect to have recurring expenses. Patients who visit the doctor frequently can benefit from paying less upfront for each appointment, although premium costs may be higher overall. HMOs offer an extensive network of providers from which patients can choose, but they must always stay within their network. Individuals can select specific providers through their network and must visit their primary care physician each time they need a referral.
How to Get the Most Comprehensive Health Care Coverage for Employees in Austin
It can be a challenge to spot the difference between certain HMO and PPO options when many of the upfront offerings appear the same. In a post-pandemic world, insurance providers are more concerned than ever about the services that are most beneficial to the individual’s health care needs. The primary focus of many post-COVID-19 health plans should be to provide holistic, transparent, and preventive care. That is what you will find when you learn more about Curative as a health care option for the Texas workforce.
Employers with over 51 employees can see the difference between traditional and contemporary health care when they invest in the Curative Health Plan. Embracing high-quality features such as accessibility, flexibility, and efficiency, this health package makes it easy for members to access their doctors in a way that works best for them. We offer virtual urgent care visits through our partnership with NormanMD and prescription delivery to local Texas residents. Access to transparent health care is a vital component of a resilient and healthy workforce in a transforming world.
Health Care for the Growing Austin Community
As an employer, it is your responsibility to ensure that your employees have their health care needs met. Curative is offering its comprehensive health plan to employers in a community that is rapidly growing. Recently, CBS reported that Austin is the second fastest-growing city in the U.S., with job market competition climbing fast across all industries. More and more individuals are looking for the best ways to stay healthy at work.
Employers with 51+ employees who are based in Central Texas may be eligible to adopt this new health plan for their workforce. With a strong Austin-based network, a monthly premium with no copays and no deductibles for in-network care, and access to the Curative Commons, bringing your employees quality and comprehensive health care has never been easier.
As a fully-insured PPO plan, the Curative Health Plan is unique in that it offers whole-person, transparent care without any deductibles or copays required for in-network visits. The plan includes preferred medical prescription services, access to virtual urgent care through NormanMD, and a wide provider network that allows employees to choose from a range of hospitals and doctors they already know and love. As long as members complete their Baseline Visit within the first 120 days of enrollment, they will qualify for $0 copays and $0 deductibles for all current and future in-network visits.
About the Baseline Visit
The Baseline Visit is one of the first steps an individual member will take in establishing a customized plan of care with one of our Curative Care Navigators. This appointment is a one-stop visit to identify treatment needs, establish areas of care, and invest in preventive measures. Curative Care Navigators will then be able to connect the individual with the right resources and services offered by Curative.
After completing this visit, employees can look forward to paying $0 copays and $0 deductibles on this and future in-network appointments. Members who do not complete their Baseline Visit within the first 120 days of coverage will still be covered but may be responsible for copay and deductible costs.
Create Next-Generation Health Insurance Options for Your Employees
There is a growing demand for more transparent and individually-focused health care plans. Employees depend on their employers for access to the best health plans that will allow them to get 24/7/365 health care support from a wide network of trusted physicians.
Contact us to learn more about how Curative helps individuals gain more control over the health care process with pricing transparency, 24/7 access to virtual urgent care, exceptional member-focused care, and one single premium.
We want to help you have a healthier and more empowered workforce. Employers in Austin now have an opportunity to offer easy enrollment and complete coverage to their employees. Learn more today and contact us to start offering the Curative Health Plan at your workplace.
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