Great healthcare benefits
Innovative health plans that help provide high-quality care and lower costs by working directly with local healthcare providers.
Centivo Basic PPO Plan
Low upfront costs
The plan has a low deductible. That means you have low upfront costs you must pay before your benefits kick in.
FREE doctor visits
Preventive primary care is always free. You also get FREE visits with your personally selected primary care doctor, including pediatricians, for any other primary care – even before you meet your deductible. You also have access to FREE behavioral health office visits.
Right care, right time
Your primary care doctor will refer you to in-network specialists for high-quality care to meet your needs.
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 care is covered as in-network when outside the Centivo Network area, and emergency care is covered as in-network no matter where you are.
Centivo PPO Plan + HSA - Available only in Milwaukee/Waukesha
FREE primary care visits
Preventive primary care is always free. Once you meet your deductible, you’ll also have FREE visits with your personally selected primary care doctor, including pediatricians, for any other reason, and FREE behavioral health office visits.
Right care, right time
Your primary care doctor will refer you to in-network specialists for high-quality care to meet your needs.
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 care is covered as in-network when outside the Centivo Network area, and emergency care is covered as in-network no matter where you are.
Tax savings with an HSA
Contribute pre-tax dollars from your paycheck into a health savings account (HSA) and use that money to pay for qualified medical expenses now or in the future. Plus, you may be eligible for GE HealthCare contributions to your HSA.
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 a primary care doctor to get to know me and my needs, and help direct my care with referrals to specialists.
View your benefit highlights
Need more information to help decide which plan is right for you? We’ve got you covered. View high-level benefits summary for:
- Benefit highlights: Union plans
- Benefit highlights: Non-Union plans
how it works
Take these 3 steps to get the most from your plan
Step 1: Pick a doctor
- 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 primary care doctor first for any healthcare needs
- Your primary care doctor can help you stay as healthy as possible.
- When you get sick, they can identify the issue and start treatment.
- If you have ongoing conditions, your primary care 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.
Understanding key insurance terms
The amount you pay out-of-pocket before the plan pays towards your healthcare costs. There is a lower deductible with the Basic PPO Plan and a higher deductible with the PPO Plan with HSA.
The percentage of costs you’re responsible for after you meet your deductible. If coinsurance is 10%, you’ll owe 10% of the cost after you reach your deductible. The coinsurance is the same on both plans.
The most you’ll pay for any covered healthcare expenses during the plan year.