Great healthcare benefits you can actually afford to use
$0 primary care, so you can build a trusting relationship with your doctor.
Plan comparisons
You have the choice of two plans that give you access to high-quality healthcare you can actually afford to use.
Plan Name | Centivo EPO | Centivo HDHP | |
Deductible (individual/family) | $0 / $0 | $2,250 / $4,500 | |
$0 annual preventive visit | |||
$0 primary care visits | $0 after deductible | ||
$0 mental health visits | $0 after deductible | ||
Access to Pella Corporation Wellness Center | |||
24/7 virtual care from My Premise Health | |||
Urgent care covered as in-network when outside the network area | |||
Emergency room covered as in-network nationwide | |||
Is a Centivo plan right for you?
If any of these apply to you, you should consider one of Centivo’s plans.
- 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.
- I visit urgent care or the emergency room whenever I need care.
- 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, click to see a plan overview flyer.
how it works
Take these 3 steps to get the most from your plan
Step 1: Pick a doctor
- Once your plan starts, choose a primary care doctor, a step Centivo calls activation.
- If this is a new doctor, schedule an appointment so they can get to know you and your healthcare needs.
Step 2: See your doctor first for any healthcare needs
- Your doctor can help you stay as healthy as possible.
- When you 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.
Step 3: Get referrals for specialty care
- Get a referral from your primary care doctor when you need specialist care.
- They’ll send the referral to Centivo for you, 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.
A health plan you can actually afford to use.
Industry average
Industry average annual out-of-pocket costs for traditional health plans.*
Centivo average
Average annual out-of-pocket costs for a Centivo member.**
Savings with Centivo
Centivo member average annual out-of-pocket savings.
**Based on Centivo 2022 book of business data.
Understanding key insurance terms
The amount you pay out-of-pocket before the plan pays towards your healthcare costs. There is no deductible with Centivo EPO, but there is a deductible with Centivo HDHP.
A fixed dollar amount you pay for a healthcare service or visit. Centivo EPO has set copays for care.
The percentage of costs you’re responsible for after you meet your deductible. Centivo HDHP coinsurance is 20%, so you’ll owe 20% of the cost after you reach your deductible (except for $0 primary care visits once you’ve hit your deductible).
The most you’ll pay for any covered healthcare expenses during the plan year.