Great healthcare benefits you can actually afford to use
An innovative health plan that helps provide quality care and lower costs by working directly with local healthcare providers.
Centivo Select Plan
No upfront costs
The plan has no deductible. That means it pays right away – there are 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.
$0 doctor visits
There’s no cost for visits with your personally selected primary care doctor (including pediatricians), mental health providers and OB/GYNs, so you can see them as often as you need.
Right care, right time
Your primary care doctor will refer you to in-network specialists for quality care to meet your needs.
Quality healthcare providers
Access to a tailored network of local, virtual and national healthcare providers for quality care when and where you need it.
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 Select Plan right for you?
If any of these apply to you, you should consider this 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 Select Plan is right for you? We’ve got you covered. Click the image for a high-level benefits chart, or click below for plan highlights or a full summary of benefits and coverage.
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.
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 Select 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 Select Plan.
The most you’ll pay for any covered healthcare expenses during the plan year.