Are you eligible?

The Low and High Deductible Care plans are available in select ZIP codes in New York Metro / Westchester, NY; Long Island, NY; Central / Northern New Jersey; Western Connecticut; Philadelphia, PA; Orlando, FL; or Dallas, TX service areas.

Must be a benefits-eligible AT&T employee, dependent or retiree and live in an eligible service area. See official plan documents for more information.

Choose Centivo for a different type of health plan

The Low Deductible Care Plan offers a high-quality network and focuses on the relationship between you and your doctor.  This plan has a lower deductible and out-of-pocket maximum and features primary and behavioral health care covered at 100%, even before you meet your deductible.

The High Deductible Care Plan offers a high-quality network and focuses on the relationship between you and your doctor. This plan has a higher deductible and out-of-pocket maximum but can be paired with a health savings account (HSA) for pre-tax contributions.

FREE doctor visits

Always see your primary care doctor for free.

Paycheck contribution

Lower than the Low Deductible Select plan.

Pre-set specialist copay

Cost you know up front.

High-quality providers

Curated network of quality healthcare providers.

Paycheck contribution

Among the lowest of all medical plan options.

Free doctor visits

After you reach your deductible.

High-quality providers

Curated network of quality healthcare providers.

HSA-qualified

Contribute pre-tax to a health savings account.

Get FREE primary care from the comfort of your home

A convenient alternative to in-person primary care, you can see your Centivo Virtual Primary 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

I chose the Centivo plan and selected a primary care doctor. To my surprise I was diagnosed with diabetes, high cholesterol and high blood pressure. My doctor helped me lose 20 pounds and lower my cholesterol, A1C and blood pressure to healthy levels. I am so thankful.

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

I chose the Centivo plan and selected a primary care doctor. To my surprise I was diagnosed with diabetes, high cholesterol and high blood pressure. My doctor helped me lose 20 pounds and lower my cholesterol, A1C and blood pressure to healthy levels. I am so thankful.

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 plans are 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.