Press Releases

Curative Insurance Company Introduces Industry-Leading Zero Dollar Pharmacy Benefits to Health Plan with Capital Rx Partnership

February 10, 2023

Capital Rx

Health insurance company Curative released the following announcement of our partnership to bring $0 pharmacy benefits to members of its new health insurance offering!

AUSTIN, TX January 31, 2023 Health insurance company Curative recently formed a partnership with Capital Rx, a health tech company delivering full-service Pharmacy Benefit Management (PBM) and Pharmacy Benefit Administration (PBA) solutions to employers and health plans. Curative brought on Capital Rx to bring cost-effective, industry-leading $0 pharmacy benefits to members of Curative’s new health insurance offering. Curative’s new health plan gives qualifying members access to $0 co-pays and $0 deductibles for in-network care, including $0 preferred generic, brand, and specialty prescription drugs, as long as members complete a Baseline Visit within the first 120 days after enrollment.

“Curative’s mission with our new health insurance plan is to provide members with the best preventative, holistic care and to deliver our health plan services in a seamless, cost-effective manner, and working directly with Capital Rx will allow us to achieve this goal with our pharmacy services,” said Fred Turner, CEO and co-founder of Curative. “Partnering with Capital Rx and working with a forward-thinking company will help our members receive our unique zero-dollar benefits.”

In order to ensure Curative’s health plan provides members with our exceptional benefits and access, the Curative Pharmacy is a closed-door concierge pharmacy, meaning no waiting in line or taking time away from daily life to drive to the pharmacy. Curative Pharmacy makes everything about filling a prescription easy, from processing the prescription (sent directly from the prescriber) to delivering the prescription typically within 24 hours to the member’s door at no cost. In addition, Curative’s extensive formulary includes many preferred drugs with $0 copays.

“We share a common mission to improve patient care and bring visibility to an industry plagued by misaligned incentives and opacity; Americans deserve better, and in partnership with Curative, we can provide a holistic solution that places patients’ needs first,” said Philip Vecchiolli, SVP, General Manager of PBA Services at Capital Rx.

Capital Rx’s single-ledger Clearinghouse Model® leverages national average drug acquisition cost (NADAC)-based pricing to bring visibility to drug unit prices and eliminates the arbitrary price variability that exists with other drug price indexes like average wholesale price (AWP). Additionally, Capital Rx’s JUDI®, the industry’s first cloud-native enterprise pharmacy platform, provides the flexibility and scalability needed to support Curative’s growth. With improved operational efficiency and no conflicts of interest, Capital Rx can focus on what matters most: delivering an exceptional client and member experience. Capital Rx’s net promotor score (NPS) of 96 (Net promoter score is a widely used market research metric asking respondents to rate the likelihood that they would recommend a company) reflects its commitment to placing clients’ and members’ interests first.

“Curative is excited to be offering a vast number of the most commonly used medications at no cost to our members,” said Crystal Riggs, PharmD, Vice President of Pharmacy Services. “No one should ever have to choose between buying food, paying rent, or purchasing their needed medications. At Curative, with the help of our Capital Rx partners, that should never be an issue.”

Curative's pharmacy provides industry-leading benefits including, but not limited to, a 24/7 member services line, a welcome kit with useful clinical tools, and a pharmacist personal check-in for members. To learn more about Curative, visit  

About Curative

Curative is a leading health care services company that has created and launched a first-of-its-kind employer-based health insurance plan. 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*. Curative is remaking our health care 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. For more information on Curative, visit, or follow us on Facebook, Instagram, Twitter, or LinkedIn.

*To qualify, members need to complete a Baseline Visit within 120 days of the plan's effective date, which kicks off support of the member’s well-being through every step of their health journey.

About Capital Rx

Capital Rx is built around the mission of changing the way prescription drugs are priced and patients are serviced. A health technology company daring to reimagine the pharmacy benefits industry, Capital Rx is executing that mission through its Single-Ledger Model - the first ethical framework for drug pricing. Capital Rx's enterprise pharmacy platform, JUDI®, connects every aspect of the pharmacy ecosystem in one platform, enabling patient engagement and increasing efficiency to achieve the highest standards of clinical care. The unique combination of JUDI, an award-winning call center/member service team, and an aligned business model make Capital Rx and Curative natural partners. For more information about Capital Rx, please visit

Media Contacts


Pasquale GiannI

Capital Rx

Michael Passanante, VP, Marketing

Justin Venneri, Marketing Manager


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