Cross posted from your other thread:
Our company just switched to a Curative this year. It was by far the best choice here locally, given that St. Joseph's network falls within First Health and while Scott & White did not renew with First Health, Curative negotiated an agreement directly with them to keep all S&W in network.
You have a 120 day grace period to schedule your assessment, which is basically a 30-minute discussion with a doctor about your general health, exercise, concerns, etc. Nothing discussed in the assessment will affect your coverage or your rates. They are trying to help guide people through preventative maintenance before things blow up to large, costly emergencies (or at least that is the business plan). If you decide not to do the assessment, it defaults to a standard HDHP, although I can't fathom why anyone would balk at it.
Only risk in my opinion is if the employees really hammer the policy and run up a ton of claims, your renewal will obviously increase the following year, since current premiums are based on estimated claim amounts due to demographics, etc.
We've had one of our employees get retinal surgery that BCBS balked at, Curative not only approved it immediately, they sent additional equipment to his home for better recovery. I've had an MRI and might have to have shoulder surgery. All of it will be covered at $0.
So far, I have been extremely impressed.
