Benefits for 2026
Medical - The Centivo Advantage plan
Referral Process
How the Referral Process Works
• Referral may sound like a scary word, but they are actually good! ✓ When care is coordinated by your doctor, you receive better care ✓ Your primary care doctor can connect you with in-network providers, keeping your costs low ✓ You can avoid unnecessary tests or procedures, which saves you time and money • All you need to do is ensure you see the referral in the Centivo app prior to going to the specialist • Any referral made by your primary care doctor is automatically approved and good for one year • Referrals are needed for most care outside of your primary care doctor’s office. You do not need a referral for the following: ✓ Urgent care ✓ Emergency care ✓ OB/GYN care ✓ Behavioral health care ✓ Chiropractic care ✓ Rehabilitation services such as physical, occupational and speech therapy ✓ Labs, x-rays and other covered tests*
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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