AUSTIN, Texas--(BUSINESS WIRE)--Curative Insurance Company, a pioneering healthcare services company, is now expanding its no copay, no deductible fully insured benefit offering* across Florida to serve Florida-based employers and their employees in the state and nationwide. Curative offers a large PPO provider network in Florida and a broad nationwide network of providers to support its unique solution.

德克萨斯州奥斯汀-（BUSINESS WIRE）-医疗保险公司是一家开创性的医疗服务公司，现在正在佛罗里达州扩大其无附加费，无免赔额的全额保险福利*，为佛罗里达州的雇主及其员工提供服务。全国范围。Curive在佛罗里达州提供大型PPO提供商网络，并提供广泛的全国性提供商网络，以支持其独特的解决方案。

The launch comes as Curative recently conducted a survey of 1,200 Florida residents in Orlando, Tampa, and Miami enrolled in employer-sponsored insurance plans** to better understand the issues members experience with traditional health insurance plans..

推出是作为治愈性最近对奥兰多，坦帕和迈阿密的1200名佛罗里达州居民进行了一项调查，这些居民参加了雇主赞助的保险计划**，以更好地了解成员在传统医疗保险计划中遇到的问题。。

Conducted in collaboration with The Health Analytics and Insights Group, the survey results found that a staggering 44% of Florida residents revealed that the main reason they are dissatisfied with their current health insurance coverage is their inability to afford out-of-pocket costs such as deductibles and copays.

调查结果与健康分析和见解小组合作进行，调查结果显示，佛罗里达州居民中有44%的人表示，他们对目前的健康保险覆盖面不满意的主要原因是他们无法支付自付费用，如免赔额和共付额。

This lack of affordability results in significant financial stress and increased health issues as employees forgo needed medical care. The findings point to a looming health crisis and the failure of traditional health plans to provide adequate access to care..

由于员工放弃了所需的医疗服务，这种负担能力的缺乏导致了巨大的财务压力和健康问题的增加。研究结果表明，迫在眉睫的健康危机和传统健康计划未能提供足够的护理机会。。

Additional key findings:

其他主要发现：

32% of those with employer-based health insurance have an outstanding medical debt. Over the past 12 months, more than two-thirds (67%) have used varied means to pay for out-of-pocket costs, including 24% who have increased their credit card debt and 23% who have dipped into their savings to cover health care expenses..

32%的雇主健康保险人有未偿还的医疗债务。在过去的12个月中，超过三分之二（67%）的人使用各种方式支付自付费用，其中24%的人增加了信用卡债务，23%的人节省了储蓄以支付医疗保健费用。。

Moreover, 59% of respondents expressed that they had postponed or refrained from receiving necessary medical care or treatment due to the financial requirements of their existing health plan model.

此外，59%的受访者表示，由于现有健康计划模式的财务要求，他们推迟或未接受必要的医疗护理或治疗。

Women are significantly more likely to defer care compared to men (42% vs. 26%).

与男性相比，女性更容易推迟护理（42%对26%）。

54% of survey participants feel that their personal or family’s health impacts their work performance. On top of that, 46% of total respondents had their monthly health insurance premiums increased in the last year.

54%的调查参与者认为他们的个人或家庭健康会影响他们的工作表现。除此之外，去年有46%的受访者每月的医疗保险费用有所增加。

Curative’s unique $0 copay, $0 deductible plan* is a progressive solution to traditional health plans and gives members affordable access to high-quality health care. The Curative plan is now available to employers headquartered in Florida with 51 or more eligible employees nationwide, with broad national network coverage and access to almost 1 million providers nationwide.

治愈性独特的0美元共付，0美元免赔额计划*是传统健康计划的逐步解决方案，使成员能够负担得起地获得高质量的医疗保健。现在，总部设在佛罗里达州的雇主可以在全国范围内拥有51名或更多合格员工，拥有广泛的全国网络覆盖范围，并可以访问全国近100万家提供商。

With the launch of its health insurance plan in Florida, Curative enters a new phase of growth, solidifying its position as a leader in transforming the healthcare landscape..

随着医疗保险计划在佛罗里达州启动，Therapeutic进入了一个新的增长阶段，巩固了其作为改变医疗保健格局领导者的地位。。

Curative’s study across Florida provides the specific details of why traditional healthcare plans aren’t meeting the needs of the insured workers of the state. In Orlando, 32% of residents feel that their employers do not prioritize their health and well-being, as opposed to 25% in Miami and 29% in Tampa.

佛罗里达州的Curative研究提供了传统医疗保健计划为何不能满足该州受保工人需求的具体细节。在奥兰多，32%的居民认为他们的雇主没有优先考虑他们的健康和福祉，而迈阿密则为25%，坦帕为29%。

The findings emphasize the challenges encountered by working Floridians, revealing how concerns over affordability result in delayed or avoided care, impacting the health and well-being of those who power the Florida economy..

调查结果强调了佛罗里达州工作人员遇到的挑战，揭示了对负担能力的担忧如何导致延误或避免护理，影响了为佛罗里达经济提供动力的人的健康和福祉。。

'Our survey clearly demonstrates that accessing and affording healthcare is challenging for a large number of Floridians with employer-sponsored health insurance. It is essential for individuals to know that they will be able to afford care when they need it,” said Fred Turner, CEO and co-founder of Curative.

“我们的调查清楚地表明，获得和提供医疗保健对于大量由雇主赞助的健康保险的佛罗里达州人来说是一项挑战。“个人必须知道他们在需要时能够负担得起护理，”Therapeutic首席执行官兼联合创始人弗雷德·特纳（Fred Turner）说。

“As we have seen across Texas, Curative’s health plan is constructed to fix the shortcomings of traditional health insurance by removing the financial barriers to care by offering $0 copays and $0 deductibles. This enables members to prioritize their well-being through preventative care and addressing issues early before they develop into serious ailments.

“正如我们在德克萨斯州所看到的那样，Therapeutic的健康计划旨在通过提供0美元的共付额和0美元的免赔额来消除对护理的财务障碍，从而解决传统健康保险的缺点。这使成员能够通过预防保健和解决问题在他们发展成严重疾病之前提前。

A healthy economy starts with a healthy population and workforce, and we’re eager to make a difference in Florida.”.

健康的经济始于健康的人口和劳动力，我们渴望在佛罗里达州有所作为。”。

The Curative health plan in Florida offers comprehensive coverage, encompassing wellness, preventive care, behavioral health services, primary and specialty care, office and hospital visits, prescription drugs, and all accessible through a high-quality PPO network. To continue to qualify for the extensive list of benefits without OOP costs, members simply need to complete a baseline visit within 120 days of the plan's effective date, granting them $0 copays and $0 deductibles for all in-network healthcare services..

佛罗里达州的“治愈性健康计划”提供全面覆盖，包括健康，预防保健，行为健康服务，初级和专科护理，办公室和医院就诊，处方药，以及所有可通过高质量PPO网络访问的服务。为了继续获得没有OOP成本的广泛福利清单，成员只需在计划生效日期后120天内完成基线访问，为所有网络医疗服务提供0美元的共付额和0美元的免赔额。。

To learn more about Curative's revolutionary health insurance plan and how it can benefit employers and employees alike, visit https://curative.com/.

要了解更多关于治愈性革命性健康保险计划以及它如何使雇主和员工受益，请访问https://curative.com/.

​​* Every Curative member qualifies for the $0 deductible, $0 copay for in-network care and preferred prescriptions by completing a Baseline Visit within 120 days of the plan effective date. See https://curative.com to learn more. Curative Insurance Company PPO.

​​* 通过在计划生效日期的120天内完成基线访问，每个治愈性成员都有资格获得0美元的免赔额，0美元的网络内护理和首选处方的共付额。见https://curative.com学习更多。治愈性保险公司PPO。

** To ensure the representation of key demographic variables, quotas were applied when selecting the sample, and the final data was weighted using the latest Census data through a post-stratification, RIM weighting methodology across demographic variables. The sample included 401 insured adults aged 18 years and above residing in the Florida MSA who voluntarily participated in the survey..

**为了确保关键人口统计变量的表示，在选择样本时应用配额，并通过跨人口统计变量的后分层边缘加权方法，使用最新人口普查数据对最终数据进行加权。样本包括401名居住在佛罗里达MSA的18岁及以上的投保成年人，他们自愿参加了调查。。

About Curative

关于治疗

Curative is a leading healthcare services company that has created and launched a first-of-its-kind employer-based health insurance plan with an AM-Best rating of A-. Co-founded by CEO Fred Turner and CTO Isaac Turner (no relation) in 2020, Curative is reengineering health insurance by providing unmatched simplicity and cost transparency with a competitive monthly premium and zero additional costs*.

Curive是一家领先的医疗服务公司，它创建并推出了首个以雇主为基础的医疗保险计划，其最佳评级为a-。由首席执行官弗雷德·特纳（Fred Turner）和首席执行官艾萨克·特纳（CTO Isaac Turner）（无关系）于2020年共同创立，Therapeutic正在通过提供无与伦比的简单性和成本透明性以及具有竞争力的月费和零额外成本*来重新设计健康保险。

Curative is remaking our healthcare system into one that works for and supports members’ whole health and well-being through every step of their personal health journey. Previously, Curative and its managed medical entities were national leaders bringing COVID-19 testing and vaccine-administration resources to bear in response to the pandemic.

治疗正在重塑我们的医疗保健系统，为个人健康旅程的每一步工作并支持成员的整体健康和福祉。以前，治疗性及其管理的医疗实体是国家领导人，为应对这一流行病带来COVID-19检测和疫苗管理资源。

For more information on Curative, visit https://curative.com/ or follow us on Facebook, Instagram, Twitter, or LinkedIn..

有关治疗的更多信息，请访问https://curative.com/或者在Facebook，Instagram，Twitter或LinkedIn上关注我们。。

© 2023, All rights reserved. Curative Insurance Company. GA23090-1.

©2023，保留所有权利。治愈性保险公司。GA23090-1。