Who should use the Centivo Savings Calculator?

This calculator is designed for employers with 50 or more employees who are self-funded or considering a move to self-funding. It is most useful when you are actively evaluating health plan options and want a data-informed estimate to bring into conversations with your benefits broker or consultant.

What information do I need to use the calculator?

You will need your current employee count and your current annual health plan spend or premium. The more accurate your inputs, the more useful your estimate will be.

How accurate are the calculator results?

Results are directional estimates based on Centivo’s average outcomes across comparable employer groups – typically ~15-30% savings vs. traditional fully-insured plans. Final savings depend on your specific workforce, claims history, and plan design. Your broker or Centivo account team can provide a more detailed projection through full underwriting.

What should I do with my results?

Share your estimate with your benefits broker or consultant as a starting point for evaluating Centivo. If the numbers look promising, the next step is a formal proposal – reach out through our contact page and we will connect you with the right person.

Savings Calculator

Calculate Your Health Plan Savings

Estimate potential savings based on workforce size and plan assumptions.

Want to explore these savings?

Talk with Centivo about plan options that prioritize affordability and access to care.

For questions about claims, pre-certification or member eligibility, please contact Centivo Member Care at providers@centivo.com.

For all other questions—including questions about joining the Centivo Network—please contact Provider Relations at providerrelations@centivo.com.

For all member and other inquiries, please contact Member Support at membersupport@centivo.com.

See how these real-world employers saved with Centivo

Cut 15% employer medical costs, saved employees 81%, and grew enrollment 86% with Centivo’s Partnership Plan.

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Achieved $294 PMPM employer savings, $86 PMPM member savings and 28% enrollment growth over four years.

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Cut 15% employer medical costs, saved employees 81%, and grew enrollment 86% with Centivo’s Partnership Plan.

Download now

Achieved $294 PMPM employer savings, $86 PMPM member savings and 28% enrollment growth over four years.

Download now

You’ve got questions, and we have answers

This calculator is designed for employers with 50 or more employees who are self-funded or considering a move to self-funding. It is most useful when you are actively evaluating health plan options and want a data-informed estimate to bring into conversations with your benefits broker or consultant.
You will need your current employee count and your current annual health plan spend or premium. The more accurate your inputs, the more useful your estimate will be.
Results are directional estimates based on Centivo’s average outcomes across comparable employer groups – typically ~15-30% savings vs. traditional fully-insured plans. Final savings depend on your specific workforce, claims history, and plan design. Your broker or Centivo account team can provide a more detailed projection through full underwriting.
Share your estimate with your benefits broker or consultant as a starting point for evaluating Centivo. If the numbers look promising, the next step is a formal proposal – reach out through our contact page and we will connect you with the right person.