Centivo

Centivo, headquartered in Buffalo, NY with an additional office in New York, NY, specializes in providing health plans tailored for self-funded employers. The company’s health plans are distinguished by offering free primary care, no deductibles, and low, predictable copays, aiming to make healthcare more affordable. Centivo employs a curated network of providers that adhere to strict price and quality standards, ensuring that members receive high-quality care. A key component of their service is a virtual primary care practice, which is integrated within the health plan to enhance accessibility and convenience for members. Centivo focuses on strengthening primary care to minimize the need for hospital and emergency room visits, claiming to save employers about 15-30% on medical costs compared to industry benchmarks. Additionally, the company enhances the member experience through an easy-to-use app and integrated virtual care options. In compliance with the Transparency in Coverage rule, Centivo ensures transparency by providing Machine-Readable Files on their website, making cost and coverage information readily accessible.