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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.

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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.

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One of the first to receive Patient-Centered Medical Home (PCMH) Recognition by the National Committee for Quality Assurance

AFFORDABLE Plan DesignCentivo’s primary care-centered plan design incentivizes the right care while keeping costs in check

Our straightforward plan design ensures true coordination across all care while eliminating the cost barriers that otherwise inhibit plan engagement.

  • No Deductibles

    We remove barriers to care so your team can afford to actually use their coverage.

  • Free Primary Care

    No-cost in-person and virtual primary care visits encourage prevention and strong PCP relationships for your employees and their families.

  • Predictable Copays

    Low, transparent copays mean members know how much their care will cost before they get it.

  • Integrated, Transparent PBM

    Reduce prescription costs through best-price sourcing and utilization management.

Reduce unnecessary care, ultimately lowering costs

  • PCP Visits

    34%

    Above benchmark

  • ER Visits

    32%

    Below benchmark

  • Inpatient Admits

    10%

    Below benchmark

  • Average total cost of care savings

    ~16-36%

    Versus the health plans we replaced

Seamless plan AdministrationWe handle everything you’d expect from a health plan

As well as things you don’t. So you can focus on employees instead of paperwork.

  • Claims payments
  • High-cost claims coverage (through partner reinsurance)
  • Account administration (FSA, HSA) and COBRA
  • Member support
  • PBM integration
  • Seamless implementation
A modern Office Space With Employees Working At Desks

Unparalleled Member ExperienceYour employees are your most valuable asset - we’ll treat them that way

We’re here to ensure your employees feel confident and cared for while engaging with their health plan.

  • Clear communications
  • Simple and cutting-edge mobile app
  • High-touch customer support
  • A primary care team that acts as a true partner
  • Free virtual primary care for convenience and flexibility
Affordability White Paper cover

Check out our latest report, Power to the Employers: Unlocking Healthcare Affordability

Employers may feel powerless to rein in ever-escalating healthcare costs, but they actually hold the key to effecting meaningful change.

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You’ve got questions, and we have answers

  • Yes. Centivo specializes in self-funded plans for mid-sized employers starting at 50 employees. We handle stop-loss protection, network curation, and plan administration so you get cost control and transparency without the complexity of traditional self-funding.

  • Employers using Centivo save 21-33% 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. Our Savings Calculator provides customized estimates.

  • We build curated networks with high-quality regional providers in markets including Wisconsin, Texas, Florida, New York, and Missouri. Partners include SSM Health, Mercy, and other leading health systems. Network composition varies by region and focuses on value over breadth.

  • Primary care prevents expensive downstream spending. Centivo members get $0 copay primary care, which increases preventive visits by 40%+ and catches conditions early. This reduces ER overuse, avoidable specialist visits, and costly procedures.

  • Yes. Centivo serves employers from 50 to 3,000+ employees depending on market. Larger groups benefit from enhanced cost transparency, customized network options, and dedicated account management.

  • Centivo is a self-funded plan administrator, not a traditional insurance carrier. We eliminate carrier profit margins, use curated (not broad) networks, center plans on primary care access, and provide transparent cost data. Employers control their healthcare spend.

  • Our $0 primary care design removes cost barriers for employees earning under $60K annually. Virtual care access eliminates transportation challenges, and extended hours accommodate shift workers. No deductibles mean employees can afford to use their benefits.

  • 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 assess network quality in the employer’s region, potential cost savings (typically 21-33%), member experience design, and implementation complexity. We provide decision frameworks, market-specific case studies, and broker-focused resources to support evaluation.

  • Most employers implement Centivo at annual renewal to align with plan year cycles. However, mid-year transitions are possible in specific circumstances. Contact us to discuss timing and implementation options 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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