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  <xs:element id="cnc_DeferredTaxAssetSoftwareDevelopmentCosts" abstract="false" name="DeferredTaxAssetSoftwareDevelopmentCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_DeferredTaxLiabilitiesInvestmentsInSubsidiariesAndJointVentures" abstract="false" name="DeferredTaxLiabilitiesInvestmentsInSubsidiariesAndJointVentures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_DeferredTaxLiabilitiesRightOfUseAssets" abstract="false" name="DeferredTaxLiabilitiesRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_DeferredTaxAssetsOperatingLossCarryforwardsAndTaxCreditCarryforwardsSubjectToExpiration" abstract="false" name="DeferredTaxAssetsOperatingLossCarryforwardsAndTaxCreditCarryforwardsSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_DeferredTaxAssetsOperatingLossCarryforwardsAndTaxCreditCarryforwardsNotSubjectToExpiration" abstract="false" name="DeferredTaxAssetsOperatingLossCarryforwardsAndTaxCreditCarryforwardsNotSubjectToExpiration" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_GrossIncreasesAbstract" abstract="true" name="GrossIncreasesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cnc_GrossDecreasesAbstract" abstract="true" name="GrossDecreasesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cnc_SharebasedCompensationArrangementbySharebasedPaymentAwardAwardAcceleratedVestingPeriod" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardAwardAcceleratedVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cnc_DefinedContributionPlanMinimumAgeForCoverage" abstract="false" name="DefinedContributionPlanMinimumAgeForCoverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cnc_TotalPremiumAndServiceMember" abstract="true" name="TotalPremiumAndServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cnc_NetIncomeLossIncludingPortionAttributableToNoncontrollingInterestBeforeEquityInEarningsFromSubsidiaries" abstract="false" name="NetIncomeLossIncludingPortionAttributableToNoncontrollingInterestBeforeEquityInEarningsFromSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_DividendsfromSubsidiariesOperatingActivities" abstract="false" name="DividendsfromSubsidiariesOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_CapitalContributionsToSubsidiaries" abstract="false" name="CapitalContributionsToSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cnc_ProceedsFromPaymentsForIntercompanyActivities" abstract="false" name="ProceedsFromPaymentsForIntercompanyActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
