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.
Partnership Plan
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, once you meet your deductible. See them as often as needed to stay as healthy as possible.
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.
Convenient virtual care
Select Centivo Care as an alternative to in-person primary care.
Medical coverage when traveling
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 Partnership Plan right for you?
If any of these apply to you, you should consider the Partnership Plan.
- 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 to an in-network doctor.
- I don’t have a doctor.
- 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
We’ve got you covered. View a high-level benefits summary or click to read the Summary of Benefits and Coverage (SBC) for even more plan details.
And remember, if you completed your B\Well healthy actions by September 19, 2025, you’ll receive Baird’s Deductible Contribution ($500 for associates, $1,000 for families) to drop your deductible to $0. That means you’ll immediately have FREE primary care and predictable copays.
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.
- If you activated last year, you don’t need to activate again.
Step 2: See your 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 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.
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 40%, you’ll owe 40% of the cost after you reach your deductible. There is no coinsurance for in-network care with the Partnership Plan.
The most you’ll pay for any covered healthcare expenses during the plan year.