Are you eligible?
The Centivo Copay Plan is available in select ZIP codes.
View the network providers in your area here.
Need your ID card?
Download a copy in the Centivo app or at my.centivo.com. Create your account using the last 4 digits of your SSN to access your digital ID card and other features. Physical ID cards are being mailed to new members and should arrive soon.
Get startedChoose Centivo for a different type of health plan
Centivo Copay Plan
The Centivo Copay Plan offers high-quality care from local providers you know and trust, at prices that don’t break the bank.
You’ll choose a primary care doctor, who will be your partner and guide your care, keeping you healthier and your healthcare costs lower.
FREE doctor visits
Always see your primary care doctor for free.No deductible
Your plan starts paying right away.Pre-set copays
Costs you know up front.High-quality providers
Curated network of local healthcare providers.FREE Centivo Care
A virtual primary care practice with a dedicated doctor and care team, including mental health. Centivo Care offers virtual appointments that aren’t rushed, coordination with in-person doctors and more.
Testimonials
High-quality healthcare without the high price tag
Low, predictable costs
A high medical bill doesn’t necessarily reflect high quality care. Centivo proves you can have excellent care without sticker shock. The plans are built around a network of high-quality, cost-efficient healthcare providers – and the savings are passed on to you.
A strong primary care connection
It’s well-proven that primary care doctors can help keep you healthier, reduce hospital and emergency room visits and lower the cost of care. So, Centivo puts this important relationship between you and your doctor at the core of your plan.
A guide at your side
From routine medical appointments to specialist visits, your primary care doctor guides your care so you always know you’re getting the appropriate care in the right place at the right time. That means you won’t overpay for unnecessary tests or procedures.
Learn more about your Guardian benefits
Guardian Home Office Colleagues: Visit Inside Guardian > Programs & Benefits > Total Well-Being Benefits
Field Associates: Visit Guardian Online > Managing My Practice > Benefits & Compensation > Your Financial Representative Benefits