Curative
- Company typePrivate
- Founded2020
- HeadquartersAustin, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
Curative firmographics
Firmographics- Name
- Curative
- Legal name
- Curative, Inc.
- Website
- https://curative.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where Curative is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Curative business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Group Health Insurance Premiums: Curative generates revenue through monthly premiums paid by employers for their employees' group health insurance coverage. The company offers fully-insured and level-funded plan options with competitive monthly premiums. Premium revenue is the primary revenue stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Fully-Insured Plan - Comprehensive employer-sponsored health insurance with $0 out-of-pocket costs for members who complete Baseline Visit |
| Subscription | Monthly | Level-Funded Plan - Cost-conscious option with potential for savings and 50% rebate of remaining claims funds |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Curative product offering
Product offeringCore offering
Curative is an employer-sponsored health insurance company that offers group health plans with $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care when members complete an annual Baseline Visit. The company provides fully-insured and level-funded plan options, supported by an integrated digital platform with member portal, mobile app, telehealth, pharmacy delivery, AI-powered member support, and dedicated Care Navigator services.
Differentiator
Problem solved
Functional benefit
Brands
- Lantern: A partnership providing personalized support for planned surgeries, connecting members with high-quality surgical providers and offering cash rewards for completing procedures through the program.
- Curative Cash Card
- Curative Pharmacy
- Curative Telehealth
Products and services
- Employer-Sponsored Group Health Insurance Plans Group health insurance plans offered to mid-to-large employers (50+ employees) in Texas, Florida, and Georgia, with fully-insured and level-funded plan options. Provides $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care after Baseline Visit.
- Curative Pharmacy
- Curative Telehealth 24/7 virtual care platform integrated with the member portal that provides members access to physicians via phone or video, with most visits starting in as little as 7 minutes without requiring separate apps.
Quantifiable outcome
- 20% increase in primary care engagement within first year of enrollment
- +3 more outcomes
Companies that use Curative
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles2 records
Curative technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
AI capability3 records
Feature7 records
Curative partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- GRAILcoreCurative partners with GRAIL to offer eligible members aged 50 and older no-cost access to the Galleri multi-cancer early detection test. GRAIL provides a blood test that detects a shared signal across more than 50 types of cancer using a single blood sample. Curative covers the test at $0 for members who complete their Baseline Visit within 120 days.
- RulacoreCurative offers members access to Rula's wide network of licensed therapists and prescribers for individual, couples, and family therapy - all at $0 in-network. Rula provides flexible scheduling and virtual appointments to support members wherever they are.
- Two ChairscoreCurative partners with Two Chairs to provide members with personalized therapy and psychiatry with provider-matching, outcome-based care, and coordinated treatment plans - fully covered at $0 for eligible Curative members.
- BetterHelpminorCurative offers members access to BetterHelp's online therapy and psychiatry with $0 copay, tailored to members. Members get matched quickly with a licensed provider who fits their needs.
- NoomminorCurative offers qualifying members access to Noom weight-management programs through Care Navigator referral for additional support and coaching. The partnership provides members with behavioral change tools for weight management.
- Recovery UnpluggedcoreCurative partners with Recovery Unplugged to offer personalized virtual and in-person programs supporting members dealing with substance use or mental health challenges. Services include intensive outpatient care online in Texas and Florida, as well as inpatient programs in Austin, TX and Fort Lauderdale, FL. Available at $0 for Curative members 18+ after completing a Baseline Visit.
- AudicusminorCurative members can access Audicus for seamless at-home hearing aid solutions through their Curative Cash Card. Audicus provides high-quality, high-tech hearing aids via 5-star telehealth audiology service with direct-to-home delivery and expert support included.
- CostcominorCurative members can access Costco for hearing aids through the Curative Cash Card. Costco provides a wide range of hearing aids with complimentary cleanings and adjustments. Costco hearing centers offer convenient in-person options for Curative members.
- H-E-B Wellness Nutrition ServicescoreCurative partners with H-E-B Wellness Nutrition Services in Texas to provide members with customized nutrition plans. H-E-B dietitians are a covered benefit for members who complete a Baseline Visit within 120 days. Services include weight management, diabetes nutrition plans, childhood and family nutrition, cancer nutrition support, food allergy support, digestive support, sports nutrition, and cardiovascular health.
- LanterncoreCurative partners with Lantern to give members personalized support for planned surgeries. Lantern connects members with high-quality surgical providers, offers one-on-one guidance, helps coordinate care, and provides cash rewards for completing procedures through the program. Covers bariatrics, spine, orthopedic, joint, ENT, cardiac, gynecology, general surgery, GI, and urology procedures.
- AvailitycoreCurative partners with Availity as a clearinghouse for electronic claims processing. Providers can streamline eligibility verification, claims submission, ERA, and training through Availity Essentials platform.
- TriZettocoreCurative partners with TriZetto as a clearinghouse for electronic remittance advice (ERA) transmission in HIPAA-mandated ASC X12 835 5010 A1 format.
- Optum Intelligent Electronic Data Interchange (iEDI)coreCurative partners with Optum iEDI as a clearinghouse for electronic remittance advice (ERA) transmission in HIPAA-mandated format.
- Cigna HealthcarecoreCurative uses Cigna Healthcare PPO Network as a wrap network solution starting January 1, 2026, replacing the previous Aetna/First Health wrap network. The partnership provides Curative members with access to Cigna's national provider network.
- HealthSmart Preferred NetworkcoreCurative includes HealthSmart Preferred Network as part of its Curative Wrap Solution for provider access, complementing the Cigna Healthcare PPO Network.
- Celtic BankcoreCurative Cash Card Visa Commercial Credit cards are issued by Celtic Bank. The Curative Cash Card allows members to pay for covered services at point of care with no out-of-pocket costs.
Scale indicators11 records
Recent moves11 records
Expansion highlights6 records
Curative competitors and assessment
Company assessmentDirect peers
- Oscar Health: Tech-enabled health insurance company offering individual ACA, small group, and employer-sponsored plans with a member-facing digital experience. Closest direct comparable to Curative in combining a technology-led insurance product with a differentiated member experience and broker distribution.
- Collective Health: Employer-focused health benefits platform that combines plan administration, navigation, and a member app. Comparable to Curative in targeting employer groups, layering navigation/digital experience on top of a health plan, and using differentiated service as a wedge against incumbents.
- Bright Health Group: Tech-enabled health plan that built ACA, Medicare Advantage, and employer products with an integrated care delivery model. Direct peer on the insurtech axis, though its trajectory illustrates the execution risk of scaling a tech-led health plan across product lines.
Emerging players
- Alignment Healthcare: Tech-forward Medicare Advantage plan emphasizing member experience, navigation, and care coordination. Comparable to Curative in leveraging a technology-enabled service model and care navigator concept, though focused on MA rather than employer-sponsored group coverage.
- Clover Health: Tech-enabled Medicare Advantage insurer using its Clover Assistant platform to drive provider behavior and member outcomes. Comparable to Curative in deploying proprietary technology to influence care economics and member engagement within a regulated health plan.
- Devoted Health: Tech-enabled Medicare Advantage plan with high-touch member service and integrated care navigation. Comparable to Curative in emphasizing member experience and care navigation as differentiators, though operating in the MA segment rather than employer-sponsored group.
Broad incumbents
- Centene Corporation: Large diversified managed care company with commercial, Medicaid, and marketplace products. Broad incumbent whose scale, regulatory expertise, and broker relationships define the competitive backdrop Curative must contend with as it expands.
- Molina Healthcare: Large managed care company focused on government-sponsored health programs. Useful comparable on the incumbent side for how a scaled payer manages network, risk, and regulatory complexity that Curative will face as it grows.
Others
- Hims & Hers Health: Direct-to-consumer digital health platform offering telehealth and prescription products with a subscription model. Comparable on the consumer-facing digital health axis and on building a subscription-like healthcare experience, but operates outside the insured health plan market.
- Mark Cuban Cost Plus Drug Company: Transparent, low-cost pharmacy benefit alternative targeting the same employer pain points Curative addresses: high drug costs and opaque pricing. Comparable as a disruptor in the drug cost component of the employer benefit stack where Curative advertises 40% lower drug costs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Curative social profiles
Digital presenceCurative financial estimates
Financial estimateRevenue estimate
Valuation estimate
Curative leadership team
Management profileNumber of profiles
Profiles5 records
Curative subsidiaries and ownership
Company hierarchySubsidiaries3 records
Curative funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Curative M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Curative
What does Curative do?
Curative is an employer-sponsored health insurance company that offers group health plans with $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care when members complete an annual Baseline Visit. The company provides fully-insured and level-funded plan options, supported by an integrated digital platform with member portal, mobile app, telehealth, pharmacy delivery, AI-powered member support, and dedicated Care Navigator services.
Is Curative a public or private company?
Curative is a private company. It is classified as venture growth investor backed and is currently operating.
When was Curative founded?
Curative was founded in 2020. It employs 1,001 to 5,000 people.
Where is Curative based?
Curative is headquartered in Austin, United States, in the North America region.
How does Curative make money?
One revenue line is on record: group Health Insurance Premiums.
Who are Curative's main competitors?
Direct peers on record are Oscar Health, Collective Health and Bright Health Group. Emerging players are Alignment Healthcare, Clover Health and Devoted Health. Broad incumbents are Centene Corporation and Molina Healthcare. Others are Hims & Hers Health and Mark Cuban Cost Plus Drug Company.
Does Curative have an API?
No public API is recorded for Curative.