Great healthcare benefits
An innovative health plan that helps provide high-quality care and lower costs by working directly with local healthcare providers.
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 Centivo Virtual Primary Care and pediatricians (members 18 and under)– even before you meet your deductible. You also have FREE behavioral health office visits.
High-quality healthcare providers
Access to a network of local, virtual and national healthcare providers for quality care when and where you need it.
Medical coverage when traveling
Away from home? With the Cigna PPO Network you have nationwide coverage and access to in-network providers when traveling. Urgent care and emergency care is covered no matter where you are.
Is a Centivo plan right for you?
If any of these apply to you, you should consider the Centivo Basic PPO Plan.
- I want to save $ on my healthcare.
- I want a virtual primary care doctor to help guide my care.
- I visit urgent care or the emergency room whenever I need care.
View your benefit highlights
Need more information to help decide which plan is right for you? We’ve got you covered. To view a high-level benefits summary, click the image to the left.
how it works
Get the most from your plan
Work with your primary care doctor. They 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.
- If you’re over 18, you’ll automatically be assigned to Centivo Virtual Primary Care – with FREE visits.
- Members under 18 can see their primary care doctor, including pediatricians – with FREE visits.
Understanding key insurance terms
The amount you pay out-of-pocket before the plan pays towards your healthcare costs.
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 most you’ll pay for any covered healthcare expenses during the plan year.