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Northwestern Mutual Primary and Urgent Care Access

Two Centivo Plans at Z-2-H™ Texas ClinicsUploaded Image

When you or a family member needs medical attention, understanding your health benefits can help make the experience less stressful. Z-2-H™ Family Med & Urgent Care Clinic provides compassionate primary care, family medicine, and urgent care at eligible Texas clinic locations.

Northwestern Mutual employees may be enrolled in the High Performance Copay Plan or HSA Plan administered by Centivo. Member costs differ between the two plans, and new specialty care generally requires a provider referral. Verify your benefits and the clinic’s network participation before receiving care.

What Northwestern Mutual Medical Plans Are Available?

Northwestern Mutual employees may be enrolled in one of two medical plans:

  • High Performance Copay Plan

  • HSA Plan

The available plan information lists the following costs:

High Performance Copay Plan

  • $0 copay for a primary care visit

  • $50 copay for a specialist visit

HSA Plan

  • Members must first meet the applicable deductible

  • Copays or coinsurance may vary after the deductible is met

  • Medical cost-sharing information is available on the insurance card

These amounts may not apply to every service received during an appointment. Laboratory testing, imaging, medications, procedures, medical supplies, and other services may be processed separately.

An insurance card does not guarantee coverage or payment. Your final responsibility may depend on eligibility, medical necessity, network participation, deductible status, referral requirements, prior authorization, and the services provided.

For scheduling assistance, call Z-2-H at (469) 283-0076.

Can Northwestern Mutual Employees Visit Z-2-H?

Eligible Northwestern Mutual employees and their covered family members may visit Z-2-H for primary care, urgent care, preventive services, and many everyday health concerns.

The medical team can evaluate and treat concerns such as:

  • Cold and flu symptoms

  • Cough, congestion, or sore throat

  • Fever and body aches

  • Ear pain or ear infections

  • Headaches and migraines

  • Nausea, vomiting, or diarrhea

  • Urinary symptoms

  • Minor infections

  • Mild allergic reactions

  • Rashes and skin concerns

  • Minor injuries

  • Routine primary care concerns

  • Chronic condition follow-ups

  • Preventive care and physical examinations

Coverage depends on the member’s plan, current eligibility, medical needs, provider-network participation, clinic location, and the services provided.

Call 911 or visit the nearest emergency room for chest pain, severe breathing difficulty, signs of a stroke, fainting, confusion, uncontrolled bleeding, major trauma, or another life-threatening emergency.

Who Administers the Northwestern Mutual Plans?

Centivo administers the Northwestern Mutual High Performance Copay and HSA plans.

Centivo can assist members and providers with:

  • Eligibility verification

  • Medical benefit questions

  • Copays, deductibles, and coinsurance

  • Prior-authorization requirements

  • Specialist referral requirements

  • Claim-status questions

  • Provider-network participation

Call Centivo Customer Service at (833) 452-2888 or visit the Centivo Member Website.

Have the member identification number from your insurance card and the name of your Northwestern Mutual plan available when requesting assistance.

How Do I Verify My Benefits?

Before scheduling an appointment, contact Centivo at (833) 452-2888 and ask:

  • Does my preferred Z-2-H location participate with my Northwestern Mutual plan?

  • Is the requested primary or urgent care service covered?

  • Does the High Performance Copay Plan’s $0 primary care copay apply?

  • Has my HSA Plan deductible been met?

  • What copay, deductible, or coinsurance applies?

  • Are laboratory tests, imaging, medications, or procedures billed separately?

  • Is prior authorization required?

  • Is a provider referral required?

  • Will I have a time-of-service responsibility?

  • Are there clinic or network restrictions?

Write down the representative’s name, the date of the call, and the reference number provided.

Z-2-H can collect your insurance information before the appointment, but Centivo provides the official explanation of plan benefits. Final coverage is determined when the claim is processed.

Is Prior Authorization Required?

Prior authorization depends on the medical service being requested.

Members and providers should contact Centivo at (833) 452-2888 before receiving a service that may require approval. Providers may also use the Centivo Provider Portal to verify benefits, review authorization requirements, and check claim status.

Prior authorization does not guarantee claim payment. Current eligibility, medical necessity, network participation, deductible requirements, referral requirements, plan exclusions, and other rules may affect how the claim is processed.

How Do I Find an In-Network Provider?

Not every healthcare professional participates with every Northwestern Mutual plan. Members should confirm that their preferred Z-2-H clinic location and treating medical professional participate with their exact plan before receiving care.

To locate or verify an in-network provider:

Provide the employer name, plan name, member identification number, preferred clinic location, and requested service when confirming participation.

Are Specialist Referrals Required?

The Northwestern Mutual plans require a provider referral before beginning new specialty care.

Referral exceptions include:

  • OB/GYN care

  • Behavioral health services

  • Chiropractic care

  • Rehabilitation services

  • Laboratory testing

  • X-rays

  • Occupational therapy

  • Physical therapy

  • Speech therapy

The exception list does not necessarily mean every service is covered without prior authorization. Members should confirm current requirements with Centivo before receiving care.

Without a required referral, the member may be responsible for the full cost of specialty services. Providers can submit referrals through the Centivo Referral Portal.

What Should I Bring to My Appointment?

Please bring or prepare:

  • Your Northwestern Mutual Centivo insurance card

  • A photo identification card

  • A current medication list

  • Known medication or food allergies

  • Relevant medical records

  • Recent laboratory or imaging results

  • Any referral or authorization documents

  • A description of your symptoms

  • The date your symptoms began

  • Your preferred pharmacy information

  • Your benefit-verification reference number

Providing complete and accurate information can help prevent delays with eligibility verification and claim processing.

Claims Information for Providers

Northwestern Mutual claims are administered through Centivo.

Electronic claims: Payor ID 45564

Mailed claims:

Centivo
P.O. Box 211681
Eagan, MN 55121

Providers should verify the member’s eligibility, plan name, deductible status, network participation, referral requirements, authorization requirements, and current claim-submission instructions before sending a claim.

Compassionate Primary and Urgent Care at Z-2-H

Z-2-H works to make primary and urgent care easier to access and understand. Whether you need help with a sudden illness, minor injury, preventive visit, or ongoing health concern, the medical team will listen and help you understand the appropriate next step.

When you are ready, Book an Appointment or call (469) 283-0076. Please have your Northwestern Mutual Centivo insurance card available so your eligibility, benefits, referral requirements, and network participation can be reviewed before the visit.