# Centivo

**Canonical:** https://apis.io/providers/centivo/  
**Website:** https://centivo.com/  
**APIs profiled:** 0

Centivo is a primary-care-centered health plan administrator for self-funded employers, founded in 2017 and headquartered in New York City. Sold through benefits brokers and consultants, it serves mid-market employers (roughly 50 or more employees) and covers about 77,000 members across 160 businesses. Members get $0 primary care to encourage early intervention, and employers typically save 15-30% versus traditional fully-insured plans through a primary-care-first model, the cost advantages of self-funding, and directly negotiated health-system partnerships. Centivo operates member, employer, provider, and referral portals plus iOS/Android member apps; it does not publish a public developer API. Backed by Bain Capital Ventures and JPMorgan Chase's Morgan Health.

## Kin Score — 11.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Centivo Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Healthcare, Health Insurance, Health Plans, Employee Benefits, Self-Funded, Primary Care

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/centivo/). Scores are computed from the provider's own public artifacts under a published rubric.