Self-Funded Health Plans for Employers | Centivo

You wouldn’t trust a random stranger with your hair. Why should your healthcare be any different?

Centivo puts primary care - and real, trusting relationships - at the center of your plan.

The way health plans should be

Finally, a health plan created to deliver the right care at the right cost.

Affordable by design

Free primary care. No deductibles*. Low, predictable copays. So members get the care they deserve at a price they can afford.

Centered on primary care

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.

Curated for quality

Providers that meet stringent price and quality standards with a laser focus on primary care. Just what the doctor ordered.

Unmatched member experience

Simple app. Predictable costs. Integrated virtual care. Finally, a plan that’s built to be used.

* Plan design may vary by client

When you focus on the right incentives, good things happen

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.

$0 Compared to the industry average of $1650

Bloomberg says, “Centivo offers an uncommon devotion to lowering costs”

True. We’re also excited about what our clients, members and partners say.

What they’re saying

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

What they’re saying

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

What they’re saying

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

You’ve got questions, and we have answers

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 for their organization and workforce.

Centivo is built for self-funded employers who want better healthcare outcomes at lower cost – and for the benefits advisors who serve them. We work best with mid-market and large employers (50 or more employees) who are ready to move beyond the fully-insured status quo and want a health plan that actually works for their whole workforce.

Centivo is available in California, Colorado, Connecticut, Florida, Iowa, Kansas, Missouri, New Jersey, New York, North Carolina, Pennsylvania, Texas, Washington and Wisconsin.

Centivo employers typically save ~15-30% compared to traditional fully-insured plans. Savings come from three sources: a primary-care-first model that reduces unnecessary specialist visits, imaging, and ER use; the cost advantages of self-funding, where employers pay for actual claims rather than a fixed premium built around risk margins; and lower unit costs we negotiate directly through our health system partnerships. Employees save too – $0 primary care and low-cost generics mean the plan actually works for your workforce, not just your finance team.

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.

To reach Member Care, you can log into your Centivo account and contact them directly, or call the Member Care number on the back of your ID card. For plan questions, finding a doctor, or accessing your benefits, visit our member resources page.

Providers should use the Centivo provider portal for eligibility verification, claims submission, and claim status inquiries.