Choose Centivo for a different type of health plan

An innovative health plan that helps provide high-quality care and lower costs by working directly with local healthcare providers.

Local Copay Plan with HRA

This plan gives you access to high-quality healthcare with features you won’t find in traditional health plans.

Here are some highlights:

Low upfront costs

The plan has a low deductible, so you only have to pay $500 (for an individual) before your benefits kick in.

Know what you owe before you go

Set copays for specialist visits and urgent care and emergency care mean you’ll know what you owe before you go to the doctor, with no surprise bills.

FREE doctor visits

FREE visits with your personally selected primary care doctor, including pediatricians, behavioral health specialists and more.

Right care, right time

Your primary care doctor will refer you to in-network specialists for high-quality care to meet your needs.

High-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

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 Local Copay Plan with HRA right for you?

If any of these apply to you, you should consider the Centivo 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 see doctors in the Centivo Network.
• 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 Local Copay Plan with HRA is right for you? We’ve got you covered. Click on the image for a high-level benefits summary. For more details, click on the Summary of Benefits and Coverage button.

Summary of Benefits and Coverage

how it works

Take these 3 steps to get the most from your plan

Step 1: Pick a primary care doctor

• Choose a primary care doctor and let Centivo know who you’ve chosen, 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’ll be automatically approved and 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

Deductible
The amount you pay out-of-pocket before the plan pays towards your healthcare costs.

Copay
A fixed dollar amount you pay for a healthcare service or visit.

Coinsurance
The percentage of costs you’re responsible for after you meet your deductible. If coinsurance is 10%, you’ll owe 10% of the cost after you reach your deductible.

Out-of-pocket max
The most you’ll pay for any covered healthcare expenses during the plan year.