NEWSROOM

We’re excited to announce a Word & Brown exclusive.

We have been selected as the first General Agent (GA) in California for Centivo, a third-party administrator (TPA) and innovative health plan for self-funded employers.

Centivo is a fully integrated national health plan solution. All of your clients’ employees have access to Cigna’s network with PPO, OAP, and LocalPlus^® network options. Adding the Centivo proprietary network (operating in 13 states) opens the door to outstanding savings.

Through your partnership with W&B, you can offer Centivo services to your Small Group and Large Group clients in California.

Centivo plans work for groups of every size and type. The primary focus is groups of 50+, but smaller groups can be considered on a case-by-case basis. Centivo’s “sweet spot” is groups of 50-300 employees.

Target businesses include:

• Manufacturing
• Non-profit
• Retail
• Restaurants
• Education
• Hospitality
• Auto
• Real estate
• Family- and employee-owned businesses
• Margin-sensitive companies with an affordability-sensitive workforce

For the Centivo Partnership Plan, ideal target firms are those where at least 40% of employees – in one or multiple locations – live within the Centivo network service area. Right now, the California focus is on Los Angeles County, Orange County, and San Diego County employers.
 
Firms based in Northern and Central California have current access only to the Cigna provider network, not the Partnership Plan and Centivo network. If your clients have employees throughout California, a combination of plans and networks may be available. Ask us for a quote.
 
Understanding Centivo Level Funded Plans
Affordability and sustainability are what is at stake. Centivo’s goal is simple: create a no loss, all upside scenario for employers, and enjoy these five advantages:

• Carve-out to transparent Pharmacy Benefit Manager (PBM) – big savings!
• Access to both Cigna and Centivo networks. (Centivo network is available exclusively from Centivo.)
• Carve out stop loss – more big savings!
• Comprehensive claim reporting,
• 100% surplus return (money goes back to client).

Broker commissions on Centivo are negotiable – per employee per month. Tell us what you’re looking for in your RFP submission.
 
What’s Needed to Quote
 
Share the following and Centivo can get started on your quote:

• Census (DOB, home ZIP Code, gender, enrollment tier, plan selection) – member level info
• Last two renewals
• Current/renewal rates
• Plan designs
• Employer contribution levels
• HSA contribution (if applicable)

 
If available, the following is also requested:

• Monthly claims data with large claim report (24 months is ideal, if possible). This information can help Centivo measure risk. Without it, underwriters may assume the worst.

 
Frequently Asked Questions – and Answers
 
Can Centivo be quoted alongside Kaiser Permanente?
Yes.
 
How can a broker confirm a network match of at least 40% for a client?
Send your group census and we’ll get back to you promptly.
 
What is different about the Centivo Partnership Plan?
Centivo is centered around a partnership between members and their Primary Care Teams. Instead of seeing a doctor only when sick, the Primary Care Teams focuses on members’ overall well-being. FREE primary care all year long.
 
Is Virtual Primary Care available to all members?
Yes. There’s no cost to the employee. All enrollees (Cigna or Partnership Plan) will have access to Virtual Primary Care.
 
How many plans options can I offer clients?
The standard is three plans. Your strategy discussions with W&B and Centivo will help you determine what’s right for you and your clients.
 
How to Get Started
 
Connect with your W&B regional sales team to discover Centivo, an innovative health plan committed to lowering costs and delivering a better experience for employers and employees.
 
Ask about the Centivo case studies and how different groups can benefit by making the move to Centivo.
 
We’ll work with you to schedule broker training and taking the next steps toward your first RFP.