Designed for employers of 50-3,000 employees working with brokers; savings come from primary-care-centered design, curated networks, and aligned incentives that reduce total healthcare costs.
Centivo is doing what other health plans can’t…or won’t
Delivering top-quality care at a cost employers and employees can actually afford.
Designed for employers of 50-3,000 employees working with brokers; savings come from primary-care-centered design, curated networks, and aligned incentives that reduce total healthcare costs.
Direct Provider ContractsTackling healthcare costs where it counts
By contracting directly with high-value providers, Centivo prioritizes excellence while negotiating rates at a significant discount over other health plans. And with the option to offer the Centivo Network alongside traditional PPO options and/or reimbursement models such as reference-based pricing, as well as the inclusion of our own virtual providers, care becomes even more accessible across markets.
Traditional Network
Centivo Network
Integrated, virtual care practice
For employees who prefer the convenience and access of virtual providers, Centivo goes beyond traditional telehealth with an online primary care practice that prioritizes a personal physician relationship and expert guidance to top specialists.
“I was tired of giving my employees bad news every year when it came to their health insurance. With Centivo, we’ve given our employees good news three years in a row!”
Owner, regional automotive dealership
“When we saw a plan design that was focused on the member relationship with our primary care physician, that was really important to us because I believe good healthcare starts with a good relationship with a PCP.”
“We do see a significant reduction in actual spend when you're moving to a plan like Centivo. And it's not because we are short-changing people on services. We're actually paying attention to the services they need and ensuring that they're getting the right treatment at the right time.”
“I was tired of giving my employees bad news every year when it came to their health insurance. With Centivo, we’ve given our employees good news three years in a row!”
Owner, regional automotive dealership
“When we saw a plan design that was focused on the member relationship with our primary care physician, that was really important to us because I believe good healthcare starts with a good relationship with a PCP.”
“We do see a significant reduction in actual spend when you're moving to a plan like Centivo. And it's not because we are short-changing people on services. We're actually paying attention to the services they need and ensuring that they're getting the right treatment at the right time.”
Yes. For mid-sized employers, the key to self-funding successfully is having the right infrastructure in place – and that’s exactly what Centivo provides. We build curated, high-quality networks in your local market so your employees have access to care that’s actually good. We handle full plan administration so your team isn’t managing a patchwork of vendors. And we coordinate integrated stop-loss protection – covering individual claims above a set threshold and aggregate claims that exceed your annual cap – so your financial exposure is defined and manageable from day one.
Employers using Centivo save 15-30% on total healthcare costs compared to traditional plans. Savings come from our primary-care-centered design, curated provider networks, and elimination of carrier profit margins. Check out our Savings Calculator for customized estimates.
We build curated networks with high-value health systems and provider groups in each of our active markets – including Wisconsin, Texas, Florida, New York, Missouri, Connecticut, Pennsylvania, Washington, North Carolina, and more. Network composition varies by region and focuses on value and access over breadth.
Primary care reduces expensive downstream spending before it happens. Centivo members get $0 primary care, so they actually use it (40% more than with traditional plans) – catching problems early, avoiding costly ER visits, specialist overuse and procedures that wouldn’t have been necessary with earlier intervention.
Yes. Centivo serves employers from 50 to 3,000+ employees. Cost transparency, customized network options, and dedicated account management are available across employer sizes – larger groups often use these features at greater depth and complexity, but the core advantages are consistent: $0 primary care, a curated local network, and a self-funded cost structure that eliminates carrier margins.
Centivo is a full replacement for traditional health plans – not just a plan administrator. We build our own curated networks around high-performing health systems, center every plan on $0 primary care access, include behavioral health and virtual care, and provide transparent cost data – all without carrier profit margins. Employers get better outcomes and lower costs. Employees get a plan they can actually use.
Yes – and this is where the plan design matters most. The $0 primary care model means cost is never a barrier to care, for anyone on the plan. Virtual care removes access friction for shift workers and hourly employees who can’t take time off for an appointment. Extended hours accommodate non-traditional schedules. And year-round member education means every employee knows how to use the plan from day one – regardless of health literacy or prior insurance experience.
Stop-loss insurance protects self-funded employers from catastrophic claims. Centivo partners with leading stop-loss carriers and manages the coordination, so you get financial protection without managing multiple vendor relationships.
Brokers typically evaluate four areas: network access (does the plan give members a clear path to high-quality, convenient care in their market?), cost savings potential (what’s the projected savings vs. their current fully-insured plan?), member experience design (how do members find a doctor, get support, and navigate the plan?), and implementation complexity (what does the transition look like and what support does Centivo provide?). We offer decision frameworks, market-specific case studies, and broker-focused resources to support every stage of evaluation. Ready to work with your benefits advisor? Visit our advisor resources.
Now – regardless of where you are in your plan year. Employers who wait until renewal to start the conversation often run out of time to make a real decision. The earlier you start, the more options you have. Most transitions happen at renewal, but the evaluation process should start well before that. Contact us to discuss timing for your organization.
Centivo believes the key to lowering health costs isn’t less care. It’s the right care. Ready to rethink your plan?
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