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. 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?
We use cookies to ensure that you have the best experience on our site. If you continue to browse the site, you are agreeing to our use of cookies. Review our Privacy Policy for more detail.
