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.
High Performance Plan
No upfront costs
The plan has no deductible, so there are no upfront costs you must pay before your benefits kick in.
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.
FREE doctor visits
FREE visits with your personally selected primary care doctor, including pediatricians. See them as often as needed to stay as healthy as possible.
Guided care
Your primary care doctor is your partner in care, and will refer you to the right in-network specialists 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.
Is the High Performance Plan right for you?
If any of these apply to you, you should consider the High Performance Plan.
- I want to save $ on my healthcare.
- I see doctors in the Centivo Network (including the Prevea Kohler Health Center) 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 if the High Performance 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 more plan details.
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. You can even choose a provider at the Prevea Kohler Health Center.
- If this is a new doctor, schedule an appointment, so they can get to know you and your healthcare needs.
- If you activated last year, you don’t need to activate again.
Step 2: See your primary care doctor first for any healthcare needs
- Your doctor can help you stay as healthy as possible.
- When you do 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 guided 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
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 terms
With the High Performance Plan you’ll pay less for care when you choose a primary care doctor and they guide you to other care or services through a referral process. If your care is unguided, you’ll have a deductible and coinsurance, so your costs will be much higher.
The amount you pay out-of-pocket before the plan pays towards your healthcare costs. There is no deductible with the High Performance Plan unless your care is unguided or you go out of network.
A fixed dollar amount you pay for a healthcare service or visit.
The percentage of costs you’re responsible for after you meet your deductible. If coinsurance is 20%, you’ll owe 20% of the cost after you reach your deductible.
The most you’ll pay for any covered healthcare expenses during the plan year.