Great healthcare benefits you can actually afford to use
A Medical Option that helps provide high-quality care and lower costs by working directly with local healthcare providers.
This Option has no deductible, so there are no upfront costs you must pay before your benefits kick in.
Pre-set copays mean you’ll know what you owe – if anything – before you go to the doctor, with no surprise bills.
FREE visits with your personally selected primary care doctor, for well or sick visits. See them as often as needed to stay as healthy as possible.
Your primary care doctor will refer you to the right in-network specialists if you need them.
Our tailored network includes trusted local and virtual healthcare providers for quality care when and where you need it.
Urgent care and emergency care covered at in-network rates no matter where you are.
Is the Partnership Option right for you?
If any of these apply to you, you should consider the Partnership Option.
- I want to save $ on my healthcare.
- I see doctors in the Centivo Network today.
- I’m willing to change doctors.
- I don’t have a doctor I see regularly.
- I visit urgent care or the emergency room whenever I need care.
See the details
Need more information to help decide if the Partnership Option is right for you? We’ve got you covered. View a high-level benefits summary (to the left) or click to see the Summary of Benefits and Coverage (below) for even more plan details.
Comparing costs of care
Cost of a knee surgery
In this example, you could save $2,225 in out-of-pocket costs with the Partnership Option.
Cost for pregnancy and delivery
In this example, you could save $2,880 in out-of-pocket costs with the Partnership Option.
Take these 3 steps to get the most from the Partnership Option
- Activate your coverage by choosing a primary care doctor from the Centivo Network. To activate, simply let Centivo know which doctor you have chosen by calling Centivo Member Care or via the Centivo member app. If you activated last year, you don’t need to activate again.
- If this is a new doctor to you, schedule an appointment, so they can get to know you and your healthcare needs.
- Your doctor can help you stay as healthy as possible.
- When you do 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.
- Get a referral from your primary care doctor when you need specialist care.
- They’ll send the referral to Centivo, 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.
Annual out-of-pocket costs for traditional health plans.*
Average annual out-of-pocket costs for a Centivo member.**
Centivo member average annual out-of-pocket savings.
**Based on Centivo 2022 book of business data.
Understanding key insurance terms
A fixed dollar amount you pay for a healthcare service or visit.
The percentage of prescription drug costs you’re responsible for.
The most you’ll pay for any covered healthcare expenses during the plan year.