Centivo vs Howard

With the Centivo app, members can easily access and manage your health benefits and find the care you need. When you log into the app for the first time, we’ll verify your membership and help you setup your account. Then you’ll be ready to get the most out of your benefits.

Your body keeps score. Howard helps you stay ahead of it. Whether you're a first responder grinding through back-to-back shifts, an athlete pushing through a training block, or someone who simply refuses to settle for "fine," Howard gives you a complete, real-time picture of your wellness and the tools to act on it. Most wellness apps count steps and call it a day. Howard connects the dots between your sleep, stress, nutrition, fitness, recovery, and the demands of your actual life to deliver coaching that's personal, timely, and grounded in real data. Built by SWORN.ai and shaped by years of work with law enforcement leaders, elite trainers, and behavioral scientists. What Howard does that others don't: --> Works with the wearable you already own. Direct integrations with Oura, WHOOP, Garmin, and Fitbit, plus Apple Health and Health Connect. Connect once and Howard reads your sleep, HRV, resting heart rate, and workouts automatically. --> The SWORN Band. Our own wearable, built for people who can't wear a watch on duty. Continuous heart rate, HRV, SpO2, skin temperature, sleep staging, and a single-lead ECG you can take in 30 seconds. Workouts you start on the band import on their own, no phone required. --> Real-time biometric dashboard. Live stress, recovery, sleep, and training load, synthesized into a single readiness score you can act on before the shift, not after it. --> AI coaching that adapts to your day. Personalized micro-coaching (hydration cues, recovery prompts, mindful breaks) delivered based on what's actually happening in your schedule, not a generic reminder. --> Shift and training-aware intelligence. Howard doesn't just log your workouts. It correlates sleep, HRV, nutrition, and workload against your duty patterns or training cycles to surface the insights that matter. --> Holistic by design. Sleep, nutrition, fitness, stress, workload intensity, and the personal factors that affect performance. Readiness isn't one-dimensional and Howard doesn't treat it that way. --> Nutrition without the data entry. Scan a Nutrition Facts label with your camera, scan a barcode, snap a photo of your plate, or just describe what you ate. Log the same breakfast in one tap. --> Voice stress check-ins. Quick voice samples before, during, and after high-demand periods to objectively measure your stress levels against your personal baseline. --> Resources where you are. Wellness support curated by your agency (mental health providers, recovery centers, health clinics) on a map, so you can find them when you need them. Your data stays yours. Encrypted in transit and at rest. Never sold, never shared with advertisers. We use anonymous product analytics, identified only by an account number and never your name or email, to see which features get used. That's it. Built for people who perform under pressure. First responders. Competitive athletes. Tactical professionals. Weekend warriors training for their first ultra. Anyone whose life or livelihood depends on showing up ready. For teams and organizations: Howard gives leadership quantifiable wellness metrics to improve retention, reduce risk, and support their people before burnout hits, all without compromising individual privacy. Agency dashboards surface aggregated, anonymized trends across a unit or shift, so leaders can see where recovery needs attention without ever seeing an individual's data. Howard isn't another wellness tracker. It's a readiness platform for people who take performance seriously.