Great healthcare benefits you can actually afford to use
An innovative health plan that helps provide high-quality care and lower costs by working directly with local healthcare providers.
Centivo PCP Plan
No upfront costs
The plan has no deductible, so there are no upfront costs you must pay before your benefits kick in.
FREE doctor visits
FREE visits with your personally selected primary care doctor, including pediatricians. See them as often as needed to stay as healthy as possible.
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.
Right care, right time
Your primary care doctor will guide 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
Away from home? Urgent and emergency care is covered as in-network no matter where you are.
Is the Centivo PCP Plan right for you?
If any of these apply to you, you should consider the Centivo PCP 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 don’t have a doctor today.
- 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 PCP Plan is right for you? We’ve got you covered. Click the image to view a high-level benefits summary or click to read the Summary of Benefits and Coverage (SBC) for even more plan details.
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: Use your doctor as your guide for specialty care
- Your primary care doctor will guide you to the right provider when you need specialist care.
- Always be sure to doublecheck that the provider is in-network before your visit.
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 PCP 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 PCP Plan.
The most you’ll pay for any covered healthcare expenses during the plan year.