Great healthcare benefits you can actually afford to use
Health plans that provide high-quality care and lower costs.
PLAN OVERVIEW
These plans focus on the relationship between you and your doctor so you can stay healthier and keep your costs lower.
Both plans give you access to quality care from in-person and virtual providers.
High-Performance Plan Plus (WI and TX) | High-Performance Plan Basic (TX only) | ||
|---|---|---|---|
Low upfront costs | |||
Know what you owe before you go | |||
FREE care at Kohl’s Wellness Center | |||
FREE Centivo Care virtual care | |||
High-quality doctors | |||
Coverage when traveling | |||
HSA-qualified |
Is a Centivo plan right for you?
If any of these apply to you, you should consider one of Centivo’s plans.
- I want to save $ on my healthcare.
- I see doctors in the Centivo Network and want to continue to see them.
- I’m willing to change to a doctor in the Centivo Network.
- I want to know what I owe before I go to the doctor.
High-Performance Plan Plus (WI)
View a high-level benefits summary of the High-Performance Plan Plus, available to associates in WI (click image).
View the 2026 plan overview flyer
High-Performance Plans (TX)
View a high-level benefits summary of the High-Performance Plan Plus and High-Performance Plan Basic, available to associates in TX (click image).
View plan overview flyer English
Ver folleto de descripción general del plan en español
how it works
Take these 3 steps to get the most from your plan
Step 1: Pick a Doctor
- Choose a primary care doctor, including one at the Kohl’s Wellness Center, a step Centivo calls activation.
- If this is a new doctor, schedule an appointment, so they can get to know you and your healthcare needs.
Step 2: See your doctor first for any healthcare needs
- Your doctor can help you stay as healthy as possible.
- When you get sick, your doctor can identify the issue and start treatment.
- If you have ongoing conditions, your doctor can help you manage them and make medication adjustments.
Step 3: Get referrals for specialty care
- Get a referral from your primary care doctor when you need specialist care.
- They’ll send the referral to Centivo for you, and it will be good for one year.
- All you need to do is make sure you see the referral in your Centivo app prior to seeing the specialist.
Understanding key insurance terms
The amount you pay out-of-pocket before your plan pays towards your healthcare costs. High-Performance Plan Plus has the lowest deductible of all your plan options.
A fixed dollar amount you pay for a healthcare service or visit.
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. There is no coinsurance with either plan.
The most you’ll pay for any covered healthcare expenses during the plan year.