Great benefits you can actually afford to use
A health plan that works directly with local doctors and health systems to provide high-quality care at lower costs.
Centivo Partnership plan
A partner in your care
A primary care doctor who gets to know you and your needs. They’ll refer you to in-network specialists so you get the right care at the right time.
High-quality healthcare providers
Access a curated network of local, virtual and national healthcare providers for quality care when and where you need it.
FREE doctor visits
FREE visits with your personally selected primary care doctor (including pediatricians) and behavioral health providers. See them as often as needed to stay as healthy as possible.
No upfront costs
No deductible means this plan pays right away – no upfront costs you must pay before your benefits kick in.
Know what you owe before you go
Set copays mean you’ll know what you owe – if anything – before you go to the doctor, with no surprise bills.
Medical coverage when traveling
Away from home? Urgent care is covered as in-network when outside the Centivo Network area, and emergency care is covered as in-network no matter where you are.
Is the Centivo Partnership Plan right for you?
If any of these apply to you, you should consider the Centivo Partnership Plan.
- I want a dedicated doctor to help manage my care.
- I want to save $ on my healthcare expenses without giving up quality.
- 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
View Centivo Partnership Plan highlights (click image) or review your Summary of Benefits and Coverage (SBC) for more details.
how it works
Take these 3 steps to get the most from your plan
Step 1: Pick a doctor
- Choose a primary care doctor, a step Centivo calls activation.
- If this is a new doctor, schedule an appointment so they can get to know you and your healthcare needs.
Step 2: See your doctor first for any 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.
Step 3: Get referrals for specialty care
- Get a referral from your primary care doctor when you need specialist care.
- They’ll 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.
A health plan you can actually afford to use.
Industry average
Industry average annual out-of-pocket costs for traditional health plans.*
Centivo average
Average annual out-of-pocket costs for a Centivo member.**
Savings with Centivo
Centivo member average annual out-of-pocket savings.
**Based on 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 is no deductible with the Centivo Partnership Plan.
A fixed dollar amount you pay for a healthcare service or visit.
The percentage of costs you’re responsible for after you meet your deductible. If coinsurance is 20%, you’ll owe 20% of the cost after you reach your deductible. There is no coinsurance with the Centivo Partnership Plan.
The most you’ll pay for any covered healthcare expenses during the plan year.