Three Health Plan Products From Curative That Prioritize Preventive Health: EPO, PPO, PPO+
8 Minutes
Team Curative
Jul 25, 2023
Everyone has a distinct health journey, and it is essential to have a plan that meets your individual needs. Your employer may choose a health insurance plan, but you often have the option to select a specific product that aligns with your health goals. The perfect plan provides timely access to care and offers health coverage that promotes preventive health while providing support when illness strikes.
Curative offers three distinct plans — EPO, PPO and PPO+. Your employer might provide a choice between these options, or just one of them. Regardless, Curative aims to simplify the process of choosing a suitable plan. All Curative plans emphasize preventive care services by bringing copays and deductibles down to $0 as long as a Baseline Visit is completed in 120 days. This ensures that essential care isn't delayed due to financial concerns or confusion about what's covered, alleviating the stress of potential medical debt. Not all health insurance products cover preventive health services, and new rulings could soon lower the threshold for preventive care coverage. But as a Curative member, you can can rest assured you’ll have access to high-quality in-network care that prioritizes preventive health — no matter which plan you choose.
Before diving into the Curative plan options, it's crucial to comprehend the basics of an Exclusive Provider Organization (EPO) plan and a Preferred Provider Organization (PPO) plan, in general.
Breaking down the basics: EPO vs. PPO
EPO and PPO plans are two of the most common types of health insurance plans. Both plans help pay for the medical care you need but differ in terms of scope and coverage.
Under an EPO plan, insurance companies help pay for members’ health care if it’s from in-network doctors and hospitals once members reach their deductibles. Members must seek care from in-network providers to avoid additional medical costs with an EPO plan. If a member goes to an out-of-network provider, they’re responsible for the full cost. Notably, there are exceptions in case of emergency and if a member needs certain care services that aren’t available in-network. The limited network can make EPO plans a pricey option if you need to use out-of-network providers.
Yet, EPO plans remain a popular choice for members because they generally feature more affordable monthly premiums, depending on your employer-sponsored coverage, and lower out-of-pocket costs than PPO plans.
On the other hand, PPO plans cover a percentage of both in-network and out-of-network care once deductibles are met. PPOs offer lower out-of-pocket costs for in-network services, and although they have higher premiums than EPO plans, this might not affect you depending on how much your employer contributes. If the choice of out-of-network care is important to you, a PPO plan might be worth the investment.
Curative’s preventive health-focused products: EPO, PPO, and PPO+
As an innovative, affordable health insurance company offering next-generation preventive health care, Curative wants members to to focus on care, not costs. We have three products — EPO, PPO, and PPO+ plans. Each plan allows access to comprehensive, transparent care with zero copays, deductibles, and out-of-pocket costs for in-network services, including preferred medications, upon completion of a Baseline Visit within the first 120 days of enrollment. As a member, you also have round-the-clock access to physicians via telemedicine. Completing the Baseline Visit means members get to meet their Care Navigator, a personal guide and point of contact at Curative who helps members navigate the health care system and reach their health goals.
Exclusive Provider Organization (EPO) Plan
Just the basics. After the Baseline Visit, members can start using their plan with:
$0 in-network deductible
Access to a personal Care Navigator
24/7/365 virtual urgent care
Wellness benefits, including chronic condition and acute care management, and preventive health services
While the EPO plan does not provide benefits for out-of-network services, there are exceptions for:
Emergency services
Services from facility-based providers in a network facility
Laboratory service providers when services are provided in connection with a service from a network provider
Diagnostic imaging services from an out-of-network provider when services are provided in connection with a service from a network provider
PPO
The classic package. After the Baseline Visit, members can start using their plan with:
$0 in-network deductible
$10,000/person, $20,000/family out-of-network deductible
$15,000/person, $30,000/family out-of-network max out-of-pocket
Access to a personal Care Navigator
24/7/365 virtual urgent care
Wellness benefits, including chronic condition and acute care management, and preventive health services
PPO+
A little extra. Curative’s PPO+ plan brings you all the classic PPO benefits with a lower threshold to afford out-of-network providers and some extra coverage. After the Baseline Visit, members can start using their plan with:
$0 in-network deductible
$5,000/person, $10,000/family out-of-network deductible
$7,500/person, $15,000/family out-of-network max out-of-pocket
Access to a personal Care Navigator
24/7/365 virtual urgent care
Wellness benefits, including chronic condition and acute care management, and preventive health services
Access to ClassPass
Chiropractic coverage
As a Curative PPO+ member, you can unlock a 25-credit monthly membership with ClassPass at no cost to you. ClassPass is a credit-based membership designed to bring you access to thousands of studios, gyms, salons, and spas all through one app.
Curative PPO+ also covers chiropractic care for the treatment of muscoskeletal disorders, up to 20 visits in plan year.
As the product develops, more features — like additional coverage — may be added.
Rest assured, we’ve got you covered. No matter which Curative plan you choose, you’ll have access to a high-quality provider network that includes many of the doctors you already know and use. Through our various plans, we’re excited to help you reach the healthiest version of you.
About Curative
Curative is a health plan employees and employers will love. Our plan focuses on affordability, engagement, and simplicity, so people feel confident getting the care they need, when they need it. Imagine—a health plan that actually delivers better health.
Affordability
People shouldn’t avoid doctor visits out of fear of surprise medical bills. After completing a Baseline Visit in the first 120 days of joining Curative, one monthly premium will enable:
$0 copays
$0 out-of-pocket fees
$0 preferred prescriptions
$0 deductibles for in-network care.
Engagement
Curative builds engagement with employees from day one by facilitating trusted relationships with a Baseline Visit and Care Navigator. Members will complete a Baseline Visit within 120 days of plan effective date to create an individualized, preventive care plan with a Curative Care Navigator to reach their health and wellness goals. We also ensure members are connected to our large and inclusive provider network.
Simplicity
Curative makes care management virtually stress-free. The Curative Pharmacy has a partnership with a national network of pharmacies and even offers same-day delivery (for select cities). Members can access virtual urgent care in partnership with NormanMD in less than 10 minutes via messaging, audio, or video chat.
No copays. No deductibles. No...really. Curative is changing the way we view health insurance with a health plan that actually delivers health.
**Healthcare provided through the NormanMD network of medical providers. Treatment options and eligibility determinations made by independent licensed medical providers. Only available in Texas.
** Patients experiencing a medical emergency should call 911 (or the local emergency number) immediately.
For more information on how you can get the most out of the preventive health care services under your Curative plan, visit us at https://curative.com/for-members.
To see all disclaimers, please view here.
References
Davis, E. (6 May 2023). What is a PPO and how does it work? VeryWell Health. https://www.verywellhealth.com/what-is-a-ppo-how-does-it-work-1738672
Nova, A. (13 April 2023). Health plans could soon reduce coverage for preventive care. Here’s what to know. CNBC. https://www.cnbc.com/2023/04/13/health-plans-could-soon-reduce-coverage-for-preventive-care.html
Rivelli, E. (1 Aug 2022). EPO insurance: What is it? Forbes. https://www.forbes.com/advisor/health-insurance/epo-health-insurance/
Rivelli, E. (22 July 2022). PPO insurance: What is it? Forbes. https://www.forbes.com/advisor/health-insurance/ppo-health-insurance-plans/
Health care coverage guide. (18 April 2023). Texas Department of Insurance. https://www.tdi.texas.gov/pubs/consumer/cb005.html
