Centivo puts primary care - and real, trusting relationships - at the center of your plan.
Finally, a health plan created to deliver the right care at the right cost.
Free primary care. No deductibles*. Low, predictable copays. So members get the care they deserve at a price they can afford.
Built around a strong primary care relationship to keep members healthier, reduce hospital and emergency room visits and lower the total cost of care. Plus, an integrated PCMH-recognized virtual primary care practice for care when you need it, where you want it.
Providers that meet stringent price and quality standards with a laser focus on primary care. Just what the doctor ordered.
Simple app. Predictable costs. Integrated virtual care. Finally, a plan that’s built to be used.
* Plan design may vary by client
Everyone benefits when employees can afford to actually use their health plan – and that plan is built around a committed, outcomes-driven primary care team. Plan usage goes up. Medical costs go down. And people feel valued and protected.
Compared to the industry average of $1650
Compared to widely recognized industry benchmarks
True. We’re also excited about what our clients, members and partners say.
Our team members love the predictable costs with copays instead of deductibles and coinsurance, and I love having a partner working right alongside us to improve outcomes.VP, Human Resources, regional grocery chain
For most of my adult life I have spent hours trying to balance out where I could afford to see the doctor and just pray that an emergency didn’t happen. I am no longer afraid to contact my PCP to be seen!Centivo member, healthcare start-up
Our client has gone from, ‘Why would we even consider this?’ to ‘Why wouldn’t we do this everywhere Centivo is available?Consultant, national benefits consulting firm
Centivo is a primary-care-centered health plan administrator for self-funded employers, sold through benefits brokers and consultants. Centivo serves employers with 50 or more employees across select U.S. markets, helping them reduce healthcare costs while improving employee health outcomes.
Centivo serves four audiences: self-funded employers looking to reduce healthcare costs, benefits brokers and consultants evaluating plan options for their clients, Centivo members seeking care and support, and providers in the Centivo network. Each group has a dedicated section of this website.
Centivo is available in California, Colorado, Connecticut, Florida, Iowa, Kansas, Missouri, New Jersey, New York, North Carolina, Pennsylvania, Texas, and Wisconsin. Contact us to confirm availability in your specific market.
Centivo employers typically save ~15-30% compared to traditional fully-insured plans. Savings come from a primary-care-first model that reduces unnecessary specialist visits, imaging, and ER use – plus the cost advantages of self-funding, where employers pay only for actual claims rather than a fixed premium built around risk margins.
Yes. Centivo operates as a self-funded health plan, which means employers pay for actual healthcare costs rather than a fixed premium. Stop-loss insurance protects against catastrophic claims, making self-funding accessible even for mid-market employers. Centivo handles plan administration, network, and care coordination.
Every Centivo member selects a primary care physician (PCP) who becomes their care coordinator. That PCP manages referrals, follows up after specialist visits, and ensures nothing falls through the cracks. This model reduces fragmented, expensive care and keeps members healthier – which directly lowers employer costs over time.
Start by contacting our team through the form on this page. We’ll connect you with a regional representative who can walk through whether Centivo is the right fit, provide a savings estimate, and explain implementation. Most employers work through their existing broker or consultant – Centivo works directly with your advisor team.
Member support is available through the resources on your insurance card. For plan questions, finding a doctor, or accessing your benefits, visit our member resources page or call the number on the back of your Centivo ID card.
Providers should use the Centivo provider portal for eligibility verification, claims submission, and claim status inquiries.
Ready to deliver better healthcare benefits? Let's connect!
Provider Relations
Press/Media
Careers