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Employee healthcare benefits you can actually afford to use.

The healthcare system can be frustrating and expensive. We’re here to change that.

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Already a Centivo Member?

Visit the Member portal to view your ID card, search for providers, see details about your coverage and explanations of benefits and connect with Centivo Member Care.

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Affordable CareWe make getting care more affordable, so you don’t pay the price of going without it

Even with insurance, too many people avoid care for fear of costs or surprise bills they simply can’t afford. We're removing barriers to better health. Starting with costs.

  • No Deductibles

    Without deductibles to meet, you don't have to pay excessive out-of-pocket costs before your coverage begins.

  • Free Primary Care

    Not just preventive visits, but ALL visits with your Primary Care Team — including Centivo Virtual Primary Care — are FREE for you and your family.

  • Predictable Copays

    Save the surprises for birthdays. With our low, predictable copays, you'll know in advance what your healthcare visits will cost.

High-quality providersOur provider partners meet rigorous cost and quality standards

Centivo works exclusively with local health systems and providers who share our philosophy that high-quality care must go hand in hand with value.

A dedicated primary care teamWe put primary care front and center

As a member, you’ll choose an in-network doctor to guide your Primary Care Team. And all visits with your Team are free! Your dedicated Team will:

  • Get to know you and your healthcare needs to identify any issues early on
  • Help you navigate the healthcare system so you can find the right care
  • Refer you to contracted specialists when necessary
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Want your primary care…from anywhere?

Centivo’s Virtual Primary Care practice offers a convenient alternative to in-person primary care, so you can see a doctor in your plan whenever — and wherever — you need care.

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UNPARALLELED EXPERIENCEYour health plan should treat headaches, not create them

Navigating the healthcare system can be overwhelming. We've built a user-friendly experience so you can focus on your health, not your plan.

  • A dedicated Primary Care Team
  • Plain-language materials
  • Intuitive technology and mobile app
  • Free virtual primary care
  • High-touch (and human!) member support
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You’ve got questions, and we have answers

  • The majority of our Member Care team is based out of our Buffalo, New York headquarters, though we do have employees across the United States.

  • As a member of our Partnership Plan, you’ll have a Primary Care Team that includes your primary care doctor, nurse practitioners, physician assistants and other medical providers that work in their practice. Your Team coordinates your day-to-day health and wellness needs and can help keep your medical costs low by referring you to other contracted providers as needed.

  • There are several ways in which a member’s experience will be different for a member of the Partnership Plan including:

    • Primary care relationship: The Partnership Plan is anchored on primary care, which means all members must designate a primary care doctor to coordinate their healthcare needs and help guide them to specialist care.
    • Substantial savings: Centivo members generally pay less for their provider visits. Free primary care and simple copays make billing clear and simple. Our members typically pay about $400 annually for their health care costs in comparison to the national average of over $1600.
    • Partnering with our providers: The leadership from our contracted providers are very invested in our partnership and in supporting our members to ensure they are getting the best care possible. As such, they will make themselves available as a resource for any specialized needs.