Self-Funded Health Plans for Brokers & Advisors | Centivo
We partner with innovative health benefits advisors to deliver the cost-effective.
Ready to deliver better healthcare benefits for your clients? We are, too
We partner with innovative brokers and consultants to deliver the cost-effective, high-quality solutions your clients have been waiting for.
Meet Centivo
Centivo delivers better health plans for your self-funded clients, their employees and their families through:
Optimized Network
A proprietary value-based network and the option to pair with a traditional open-access network.
Transparent, Affordable Pricing
Better unit costs and value-based contracts to help save your clients 15% or more.
Innovative Plan Design
Free primary care, no deductibles and low, predictable out-of-pocket costs.
Unparalleled Member Experience
Easy-to-use plan with an intuitive app and high-touch customer service.
Why Centivo?
Because we exist for the same reason you do…
To ensure your clients select the best possible plan for them and their employees.
For the benefit of employers
- Cost savings and reduced trend
- Full transparency
- A happier, more productive workforce
For the benefit of employees
- Affordable care with fewer out-of-pocket expenses
- A true partnership with their Primary Care Team
- A better overall health plan experience
Our Offerings
Give your clients what they need. A plan that’s built around choice, flexibility and most of all, savings.
Self-funding
The control your clients deserve with a plan design that rewards for good health outcomes.
Level funding
The predictability of a fully insured plan with the upsides of a self-funded one. Learn more about Centivo’s level funded offering.
Virtual care
Concierge-level virtual primary care embedded directly into the network. Learn more about Centivo Care.
SUPPORTING YOUR CLIENTS NATIONWIDE
Our tailored, proprietary network is built on quality and affordability to ensure your clients have the coverage they need at a price that makes sense. Pair with a traditional network to maintain flexibility and choice.
Our client has gone from, ‘Why would we even consider this?’ to ‘Why wouldn’t we do this everywhere Centivo is available?’
Benefits consultant
You’ve got questions, and we have answers
What size companies does Centivo work with?
Centivo clients range from smaller employers with more than 50 employees to many of the Fortune 500.
Do you only work with self-funded companies?
Centivo only serves employers who are self-funded or level funded. In many instances, clients turn to us to gain better control over their costs and data, while avoiding the significant rate increases they continue to see on their fully insured plans.
Do you offer virtual care?
Yes! In fact, Centivo Care is one of the first to receive Patient-Centered Medical Home Recognition by the National Committee for Quality Assurance (NCQA). Our practice is fully embedded into the Centivo Network for truly coordinated care between virtual and in-person care.
How should I evaluate a self-funded health plan vendor for my clients?
Look across four dimensions: network design (are providers directly contracted or rented from a third-party network?), plan design (does primary care have a structural role, or is it just a feature?), financial protection (how is stop-loss coordinated, and who manages that relationship?), and member experience (what does day-to-day look like for employees?). Centivo is built to answer all four, and we provide market-specific performance data to support your evaluation process.
What data and proof points can I share with my employer clients?
We provide market-specific case studies, plan performance data, and member experience metrics. Clients consistently show reduced ER utilization and inpatient admissions compared to benchmarks, and meaningful total cost of care savings versus the plans we replaced. We also offer broker-specific resources including implementation timelines, network maps, and side-by-side comparisons for your RFP process.
What support does Centivo provide during and after implementation?
Every client transition gets a dedicated implementation team covering network access setup, member communications, open enrollment readiness, claims infrastructure, and benefits administration coordination. Post-launch, your clients have a dedicated account team, member support resources, and ongoing plan performance reporting. Brokers stay in the loop throughout.
When is self-funding not the right fit for an employer client?
Self-funding works best for employers with stable cash flow, a consistent employee count, and a willingness to engage in plan design decisions. It is generally not the right fit for employers with fewer than 50 employees or those with significant cash flow variability. For clients who want the cost transparency and plan control of self-funding but need more financial predictability, Centivo also offers a level funding solution – a strong transitional option for groups not quite ready to go fully self-funded. If a client isn’t the right fit for either, we will tell you and help you identify the right path for them.
How long does it take to implement Centivo for a new client?
Most implementations take 60-90 days from contract to go-live, depending on employer size and complexity. The process is designed to align with standard renewal cycles and minimize disruption for HR teams and employees. Our implementation team manages coordination, and brokers are kept informed at every stage.