Centivo is a health insurance startup that aims to provide affordable, quality healthcare to its members. The company operates in the health insurance market, serving clients from various industries including regional grocery chains, healthcare startups, and national benefits consulting firms.

The business model of Centivo is centered around primary care, with the goal of keeping members healthier, reducing hospital and emergency room visits, and lowering the total cost of care. The company offers free primary care, no deductibles, and low, predictable copays, making healthcare more accessible and affordable for its members.

Centivo makes money by charging clients for the health plans they provide to their employees. The company claims that its model results in lower medical costs and increased plan usage, which benefits both the employer and the employee.

The company also offers an integrated virtual care service, allowing members to receive care when they need it, where they want it. This service is part of Centivo's commitment to providing an unmatched member experience, which also includes a simple app and predictable costs.

In terms of quality, Centivo curates its providers to meet stringent price and quality standards, with a particular focus on primary care. This focus on quality and affordability has earned the company praise from Bloomberg for its "uncommon devotion to lowering costs."

Keywords: Health Insurance, Affordable Care, Primary Care, Low Copays, No Deductibles, Virtual Care, Quality Providers, Predictable Costs, Employer Savings, Member Experience.