FAQ

Centivo plans are designed to offer high-quality care at prices that don’t break the bank. By focusing on a relationship between you and your primary care doctor – which can help keep you healthier, improve your healthcare experience and reduce emergency room visits – your costs stay lower without sacrificing quality of care.

Your primary care doctor focuses on your overall well-being, and visits are free* whether you’re sick, taking care of an ongoing issue, or getting an annual wellness exam. They get to know you and your healthcare needs, help you navigate the healthcare system, and refer you to trusted, in-network specialists and services when needed.

*Free after deductible on the HDHP plan.

When you choose a Centivo plan, you’ll get:

• FREE primary care and behavioral health visits (after the deductible with the HDHP plan) including pediatricians, for sick and routine care
• FREE virtual primary care, for convenient access to your dedicated Centivo Care doctor
• FREE virtual urgent care and behavioral health visits
• Urgent care covered as in-network no matter where you are
• Emergency care covered as in-network no matter where you are

Plus, the lowest paycheck deduction of your plan options.

The Centivo Network was built exclusively with providers who offer quality care. The network includes trusted local doctors and hospitals, virtual doctors and national providers so you have access to all the specialists and services you need. If you ever have trouble finding a provider, contact Centivo Member Care for help.

You can view the online directory or contact Centivo Member Care if you need help finding a provider.

Once you enroll in the plan, you’ll be able to view the Centivo Network through the Centivo app.

Out-of-network care is available with the Centivo Silver Plan and Centivo HDHP Plan, but it will cost you more.

Your plans use the Centivo Network, which is available in several cities across the U.S. If you have a dependent away at college or living outside of the Centivo Network area for part of the year, they may still be able to benefit from these plans.

• Search the online directory to see if there are providers available near where they live
• They can see a Centivo Care primary care doctor if they are 18 or older and live in a state where it’s available. View the map here.
• They  have access to MDLIVE for telemedicine, no matter where they are.
• They can go to urgent care and it will be covered as in-network.
• Emergency care is always covered no matter where they are.
• They can consider using their school’s student health services for care if they are away at college.

Centivo Care is a convenient primary care practice that takes the place of an in-person primary care doctor. You can visit with your Centivo Care doctor online using a secure app, as well as schedule appointments, ask questions, refill your prescriptions and more. Centivo Care is available for members 18 and older in many states. Click here to learn more.

If you’re currently pregnant (and will be in your second or third trimester once the plan year begins) or actively being treated for a medical condition by a provider who isn’t in the Centivo Network, you may be eligible to continue care with your current provider at the in-network rate until your current treatment is completed. However, you must submit your request and determination must be made prior to receiving additional care. For more information on how to submit this request, please contact Centivo Member Care.

Yes. You can use any money you’ve already put into your HSA to pay for qualified medical expenses with any Centivo plan.

You can only add tax-free dollars into a health savings account (HSA) if you enroll in the Centivo HDHP Plan.

As Centivo continues to grow and expand, this sometimes happens. Simply ask your doctor’s office to call Centivo at the number on your member ID card, or you can call Centivo directly to confirm whether your provider is in the network.

Centivo Member Care is available Monday through Friday from 8 am to 8 pm ET at 800-789-6445. Support is available in English and Spanish, as well as 150 other languages.

For any other questions, please contact us.