Great healthcare benefits you can actually afford to use
The Virtual First PPO is a different type of health plan that focuses on the relationship between you and your doctor. When you see your Centivo Care doctor regularly, you can stay healthier and keep your healthcare costs lower. You also have access to a broad network of providers through the Cigna OAP Network.
Virtual First PPO
FREE Centivo Care
FREE visits with your Centivo Care virtual primary care doctor, so you can see them as often as you need. Same- and next-day appointments are available.
Broad network of providers
The plan uses the Cigna OAP Network, which gives you access to doctors, specialists and hospitals across the U.S.
Medical coverage when traveling
Away from home? With the Cigna OAP Network, you have nationwide coverage and access to in-network providers when traveling.
Free virtual urgent care and mental health care
Virtual urgent care and virtual mental health care through MD Live is always free, no matter where you are.
Affordable costs
In-network deductible starting at $1,500 for individual coverage, $25 in-person primary care visits and $40 specialist visits. Many services, including imaging and hospital care, are covered with just 20% coinsurance after you meet your deductible.
Is the Virtual First PPO right for you?
If any of these apply to you, you should consider the Virtual First PPO.
- I want to save $ on my healthcare
- I am open to seeing a virtual primary care doctor
- I visit urgent care or the emergency room whenever I need care
View your benefits summary
Need more information to help decide which plan is right for you? We’ve got you covered. View a high-level benefits summary (click image) or read the Virtual First PPO flyer.
how it works
Take these 2 steps to get the most from your plan
Step 1: Download the Centivo Care app to get started with your care
- Visit Centivo.me/centivocare from your mobile device to get started
- Create your account and book your first FREE visit directly in the app
Step 2: Download the Centivo app to track your claims
- Visit centivo.me/app from your mobile device to get started with the health plan app.
- In the Centivo app, you can view your claims history, message securely with Centivo Member Care and view your digital ID card.
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 most you’ll pay for any covered healthcare expenses during the plan year.
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.