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Health plans designed for self-funded employers that offer what the others don’t.

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.

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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 primary 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


    Above benchmark

  • ER Visits


    Below benchmark

  • Inpatient Admits


    Below benchmark

  • Average total cost of care savings


    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

  • Centivo clients range from smaller employers with more than 50 employees to the Fortune 500.

  • Centivo has reimagined and rebuilt three core elements of a health plan that influence cost including:

    1. High-quality network. Centivo builds its own network of hospitals and providers so employees can access quality care focused on their health and wellbeing. And because our partners are dedicated to value-based care models that put primary care at the center, members engage more with preventive measures, typically saving money but, more importantly, seeing improved health outcomes.
    2. Unit cost savings. Because Centivo partners with health systems with aligned interests, we can negotiate favorable rates, typically well below many of the local and national carriers.
    3. Plan designs built to be used. We want patients to get the right care at the right time, with prevention at the core. So we make primary care visits free – not just checkups, but ALL primary care – even virtual. And we’ve completely eliminated the deductible, while assigning predictable copays for our plan options to allow our members to access the care they need with no surprises.
  • We are pleased to be able to offer traditional plan options using a national network, which gives our members access to over one million providers across the country. Additionally, any of our members have access to emergency and urgent care nationwide if needed.

    1. Smart plan design. A plan design with features such as no deductibles and free primary care can ease some of the financial barriers that affect low-income families, many of whom are racial or ethnic minorities.
    2. Primary care coordination. Navigating the healthcare system is incredibly complex, especially for those who are disadvantaged or disenfranchised, which means community health suffers, costs increase and the divide widens. Having a primary care doctor to know and trust can make care more accessible and increase engagement with proper preventive care.
    3. Virtual care access. Virtual care offers promise in terms of closing inequity gaps and increasing access to underserved communities, especially for primary care. It removes travel and time-off limitations and opens up access to providers who share culture and traditions regardless of zip code.
  • We offer monthly webinars, publish regular education and can provide a proposal on our network and cost savings model upon request. You can reach out anytime and we’d be happy to help you avoid yet another year of steady increases.

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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