Benefits for 2026
Medical – The Centivo Advantage plan provides access to great medical care, $0 deductible and our lowest payroll deductions.
SUMMARY OF COVERAGE
Plan Features
Centivo Advantage
IN NETWORK
Deductibles (Indiv / Family)
$0 / $0
Out-of-Pocket Max (Indiv / Family)
$3,000 / $6,000
Preventive Care
No Charge
PCP & Referrals Required
Yes
Primary Care Visit
No Charge
Specialist Visit
$40 Copay
Diagnostic Exam
$0 / $100 Copay
Basic Lab, X-Rays
$0 Copay
Advanced Imaging (MRI, CAT)
$100 Copay
Outpatient Procedure
$500 Copay
Inpatient Hospital
$800 Copay
Emergency Room
$150 Copay
Urgent Care
$75 Copay
Pharmacy / RX
Retail (30 Day Supply)
$10 / $40 / $70 / $150
Mail Order (90 Day Supply)
2.5x Retail
Key Characteristics of the Centivo Plan - Cost containment : Zero-dollar deductible, lower monthly premiums - Selective Network : High-Quality, Narrower Provider Network
- Primary Care Centric Approach : PCP as the Gateway. Referrals required for specialists and outpatient procedures. Less flexible that other plans, but members are encouraged to establish strong relationships with their primary care physicians, who act as the central point of care and guide them through the healthcare system. - Coordinated Care : The emphasis on primary care ensures better coordination across specialties and treatments, improving outcomes and reducing costs. - Digital Tools & Support : Online resources, Free Virtual Primary Care, and Health Advocacy
* Member may be responsible for any amount over the allowed amount
This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2026 Employee Benefit Guide
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