Curative Plan Options and Funding Types

Curative offers several funding types and plan options to meet your needs. Browse our offering to find the right fit for you and your employees.

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Funding Types

Curative offers two funding types to meet your needs. Learn more about our fully-insured and level-funded plan options below.

Fully-insured

For employers who want Curative to take care of it all.

Availability: Companies headquartered throughout 34 counties in Texas and the states of Florida and Georgia. Health insurance is available to employees nationwide.
Company size: 51+ employees
Administrative services: Curative
Stop-loss insurance: N/A
Rebate: N/A

Level-funded

For employers who want more transparency and a chance to save money for improved outcomes.

Availability: Companies headquartered in Texas. Health insurance is available to employees nationwide.
Company size: 25+ employees
Administrative services: Curative
Stop-loss insurance: Yes
Rebate: 50% of the remaining claims funds

2025 EPO, PPO, and PPO Max plan options

EPO

Essentials plan: $0 out-of pocket costs limited to in-network coverage only .

In Network with Baseline Deductible

In Network without Baseline Deductible

Out-of-network Deductibles

Out-of-network Max Out-of-Pocket

Rx Network

Care Navigator

Virtual Urgent Care

Wellness Benefits

Chiropractic Coverage

PPO

Choice plan: $0 out-of pocket costs in-network with flexibility to pay some cost for out-of-network care.

In Network with Baseline Deductible

In Network without Baseline Deductible

Out-of-network Deductibles

Out-of-network Max Out-of-Pocket

Rx Network

Care Navigator

Virtual Urgent Care

Wellness Benefits

Chiropractic Coverage

PPO Max

Maximum choice plan: $0 out-of-pocket costs for both in and out-of-network care across the U.S.

In Network with Baseline Deductible

In Network without Baseline Deductible

Out-of-network Deductibles

Out-of-network Max Out-of-Pocket

Rx Network

Care Navigator

Virtual Urgent Care

Wellness Benefits

Chiropractic Coverage

Smarter coverage, lower premiums

EPO Value: Affordable, guided care that works

EPO Value is Curative’s most cost-conscious plan. Members get $0 out-of-pocket care by using a Curative Pass with high-value providers, along with the same hallmark features of other Curative plans—many $0 prescriptions and access to wellness tools. It’s ideal for organizations that want to manage healthcare costs paired with a supportive member experience.

Please note: the EPO Value plan is a separate plan option from the EPO plan.

Explore how EPO Value works

2024 EPO, PPO, and PPO Plus plan options

EPO

In Network with Baseline Deductible

In Network without Baseline Deductible

Out-of-network Deductibles

Out-of-network Max Out-of-Pocket

Care Navigator

Virtual Urgent Care

Wellness Benefits

Chiropractic Coverage

PPO

In Network with Baseline Deductible

In Network without Baseline Deductible

Out-of-network Deductibles

Out-of-network Max Out-of-Pocket

Care Navigator

Virtual Urgent Care

Wellness Benefits

Chiropractic Coverage

PPO Plus

In Network with Baseline Deductible

In Network without Baseline Deductible

Out-of-network Deductibles

Out-of-network Max Out-of-Pocket

Care Navigator

Virtual Urgent Care

Wellness Benefits

Chiropractic Coverage

Need help deciding?

Complete the form and we'll have a member of our team reach out and discuss which option will best meet your needs.

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Curative Plan Options and Funding Types

Funding Types

Fully-insured

Level-funded

2025 EPO, PPO, and PPO Max plan options

EPO Value: Affordable, guided care that works

2024 EPO, PPO, and PPO Plus plan options

Need help deciding?

EPO Value: Affordable, guided care that works