Employee healthcare benefits you can actually afford to use.
The healthcare system can be frustrating and expensive. We’re here to change that.
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.
OverviewQuality care and lower costs
We make it easy to see a high-quality doctor before little things become bigger issues – keeping you healthier and saving you money.
First, we partner with doctors and hospitals who meet high standards for quality care.
Then, we make getting care affordable. We actually want you to see the doctor!
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No Deductibles
Without deductibles to meet, you don't have to pay excessive out-of-pocket costs before your coverage begins.
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Free Primary Care
Not just preventive visits, but ALL visits with your Primary Care Team — including Centivo Care — are FREE for you and your family.
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Predictable Copays
Save the surprises for birthdays. With our low, predictable copays, you'll know in advance what your healthcare visits will cost.
“I like the fact that I can visit my primary care doctor whenever and for whatever reason and not have to worry about how much the bill will be.”
Your employer may offer other Centivo options such as plans with:
- National networks and out-of-network care
- No network where you can see any doctor you choose
- Deductibles and higher costs when you get care
- Tax savings options for healthcare expenses
How a primary care-centered plan works
Our plans focus on a relationship with a primary care doctor to make sure you get the right care for your needs.
Pick a primary care doctor from the network – often one you already know and trust
See them first when you need care – they’ll refer you to specialists when needed
Stay in-network – get quality care while saving money
Doctors you can seeCentivo Network
Centivo works with local health systems and doctors who agree that
high-quality care must go hand in hand with value. This means doctors must meet high quality standards and affordable costs to be included in the Centivo Network.
The Centivo Network includes local, virtual and national healthcare providers, so you have access to all the services you may need.
Convenient virtual primary care
No commute. No waiting room. No sacrifice when it comes to personalized attention. When you pick a primary care doctor, consider one you visit virtually.*
Centivo Care is a dedicated primary care practice offering everything you’d expect from a primary care doctor – and more.
- Secure app for appointments and messaging your doctor
- Care for the whole you - wellness and sick visits, behavioral health, medication management and more
- Coordination for labs, specialty care, surgeries and any other in-person care needs
Learn More(this link opens in new window)Sound too good to be true?
Centivo's primary care-centered plans are created with quality and savings in mind.
The catch? You need to follow guidelines like choosing a primary care doctor, getting referrals for specialist care and staying in-network.
By simply following the plan and staying in network the cost savings by far exceeds any other plan I have been on”Centivo member
You’ve got questions, and we have answers
Centivo is a health plan administrator. This means Centivo has contracts with providers (e.g. doctors, hospitals, surgery centers, labs and others) and pays them when you get care. Centivo is a newer healthcare company, so you might not be familiar with the name. However, you are probably familiar with the doctors and hospital systems Centivo works with in your community.
Your monthly cost, known as a premium, will vary depending on your plan options and who is covered on your plan. Typically, your premium is taken out of each paycheck.
If you have a deductible, you’ll pay that amount out-of-pocket before the plan pays towards your healthcare costs. Most Partnership Plans have no deductible, so your plan starts to pay right away.
When you get care, you’ll pay a copay (a pre-set amount) or coinsurance (a percentage of cost), depending on your specific plan. No matter what, you won’t pay more than your annual out-of-pocket maximum for any covered healthcare and pharmacy expenses during the plan year. Premiums do not count toward your out-of-pocket maximum.
Contact your employer about the plan options available to you.
Centivo plans are offered through employers and are not available as individual plans.
Contact your employer about the plan options available to you and when you can enroll. They can tell you what plans are offered, what is covered, which doctors you can see, how much you’ll pay and more.
If you’re considering a Centivo plan but aren’t a member yet, please contact your employer.
If you’re already a member, you can call Centivo Member Care at the number on the back of your ID card, 8 am to 8 pm ET, Monday through Friday. Support is available in English and Spanish, as well as 150 other languages. You can also send a message through the Centivo app or my.centivo.com.