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 Copay Plan
No upfront costs
The plan has no deductible. That means it pays right away – there are no upfront costs you must pay before your benefits kick in.
FREE doctor visits
FREE visits with your primary care doctor, pediatricians, and mental health providers, as well as FREE virtual urgent care visits.
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 refer you to in-network specialists for high-quality care to meet your needs. (Referrals not applicable in WA.)
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 Copay Plan right for you?
If any of these apply to you, you should consider the Copay 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 to ones in the Centivo Network.
- I don’t have a doctor today.
- 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 which plan is right for you? We’ve got you covered. View a high-level benefits summary (click image). Or, read the Summary of Benefits and Coverage (SBC) for even more detail.
How it works
Understanding key benefit terms
A set amount that you are responsible for paying each year before the plan begins to pay for covered services. There is NO DEDUCTIBLE with the Centivo Copay Plan.
A fixed dollar amount that you pay for a covered service.
Your share of the cost for a covered service. There is NO COINSURANCE with the Centivo Copay Plan.
The most you will pay for covered medical services in a plan year. There is no out-of-pocket max for prescription drugs.