Great healthcare benefits you can actually afford to use
An innovative health plan that helps provide high-quality care and lower costs by working directly with local healthcare providers.
The plan has no deductible, so there are no upfront costs you must pay before your benefits kick in.
Visits with your personally selected primary care doctor, including pediatricians, and behavioral health specialist are covered at 100%. See them as often as needed to stay as healthy as possible.
When you follow the plan rules, most of your care is covered at 100%. For urgent and emergency room care, you’ll have set copays. That means you’ll know what you owe – if anything – before you go to the doctor.
Your primary care doctor will refer you to in-network specialists for high-quality care to meet your needs.
Access to a tailored network of local, virtual and national healthcare providers for quality care when and where you need it.
Away from home? Urgent care and emergency care covered at in-network rates no matter where you are.
Is the Centivo Coordinated Care Plan right for you?
If any of these apply to you, you should consider Centivo’s plan.
- I want to save $ on my healthcare.
- I see doctors in the Centivo Network and want to continue to see them.
- I’m willing to change doctors.
- I visit urgent care or the emergency room whenever I need care.
- I want to know what I owe – if anything – before I go to the doctor.
View your benefits summary
Need more information to help decide if the Centivo Coordinated Care Plan is right for you? We’ve got you covered. View a high-level benefits summary, the overview flyer or click to read the Summary of Benefits and Coverage (SBC) for even more plan details.
Comparing costs of care
Cost of a knee surgery
In this example, you could save $2,945 in out-of-pocket costs with the Centivo Coordinated Care Plan.
Cost for pregnancy and delivery
In this example, you could save $3,100 in out-of-pocket costs with the Local Copay Plan with HRA by Centivo.
Take these 3 steps to have most of your care covered at 100%
- Choose a primary care doctor, a step Centivo calls activation. If you activated last year, you don’t need to activate again.
- If this is a new doctor, schedule an appointment, so they can get to know you and your healthcare needs.
- Your doctor can help you stay as healthy as possible.
- When you get sick, your doctor can identify the issue and start treatment.
- If you have ongoing conditions, your doctor can help you manage them and make medication adjustments.
- Get a referral from your primary care doctor when you need specialist care. Make sure the specialist is in-network.
- Your doctor will send the referral to Centivo for you, and it will be good for one year.
- All you need to do is make sure you see the referral in your Centivo app prior to seeing the specialist.
Annual out-of-pocket costs for traditional health plans.*
Average annual out-of-pocket costs for a Centivo member.**
Centivo member average annual out-of-pocket savings.
**Average spend by a Centivo member per year is $409. Source: Centivo 2022 book of business data.
Understanding key insurance terms
The amount you pay out-of-pocket before the plan pays towards your healthcare costs. There’s no deductible with the Centivo Coordinated Care Plan.
A fixed dollar amount you pay for a healthcare service or visit. For this plan, most are $0 copay.
The percentage of costs you’re responsible for after you meet your deductible. When you to go an out-of-network provider, you’ll pay 50% coinsurance for all services, except for urgent and emergency care.
The most you’ll pay for any covered healthcare expenses during the plan year.