Choose Centivo for a different type of health plan

The Local Copay with HRA Plan is a different type of health plan that focuses on the relationship between you and your doctor. When you see your doctor regularly, you can stay healthier and keep your healthcare costs lower.

FREE doctor visits

Primary care, behavioral health and more!

Low deductible

Among the lowest of all your plan options.

Pre-set copays

For specialists, urgent and emergency care.

Coverage while traveling

Urgent and emergency care covered when traveling

Are you eligible?

The Local Copay Plan with HRA is available in select ZIP codes.
When you go to enroll in Workday from Teamworks, look for Centivo in the plan name.

The Centivo Local Copay Plan with HRA – Northeast is for Wells Fargo employees living in CT, NY, NJ or PA. The Centivo Local Copay Plan with HRA – MercyOne is for employees living in Des Moines, Iowa.

Get FREE primary care from the comfort of your home

A convenient alternative to in-person primary care, you can see your Centivo Care doctor from wherever you are.

Testimonials

WHAT THEY’RE SAYING

I like the fact that I can visit my primary care doctor whenever and for whatever reason and not have to worry about how much the bill will be.

Centivo member
WHAT THEY’RE SAYING

By simply following the plan and staying in network, the cost savings as a member by far exceeds any other plan I have been on. I recently moved to Centivo and the savings are amazing.

Centivo member
WHAT THEY’RE SAYING

Great list of primary care doctors and specialists that are close to me. The amount I pay for my healthcare has decreased but the care I receive has increased. That’s a major win!

Centivo member
WHAT THEY’RE SAYING

I like the fact that I can visit my primary care doctor whenever and for whatever reason and not have to worry about how much the bill will be.

Centivo member
WHAT THEY’RE SAYING

By simply following the plan and staying in network, the cost savings as a member by far exceeds any other plan I have been on. I recently moved to Centivo and the savings are amazing.

Centivo member
WHAT THEY’RE SAYING

Great list of primary care doctors and specialists that are close to me. The amount I pay for my healthcare has decreased but the care I receive has increased. That’s a major win!

Centivo member

High-quality healthcare without the high price tag

Low, predictable costs

A high medical bill doesn’t necessarily reflect high quality care. Centivo proves you can have excellent care without sticker shock. The plan is built around a network of high-quality, cost-efficient healthcare providers – and the savings are passed on to you.

Young Asian mom serving vegetables to her smiling daughter while having meal.

A strong primary care connection

It’s well-proven that primary care doctors can help keep you healthier, reduce hospital and emergency room visits and lower the cost of care. So Centivo puts this important relationship between you and your doctor at the core of your plan.

Smiling White female pediatrician greets a toddler and her Black mother in an exam room.

A guide at your side

From routine medical appointments to specialist visits, your primary care doctor guides your care so you always know you’re getting the appropriate care in the right place at the right time. That means you won’t overpay for unnecessary tests or procedures.

Older Black male patient sits on an exam table as he talks to a middle age White male doctor.