Member Frequently Asked Questions
- When will a COVID-19 vaccine be available to me?
- Will I be charged when I get the COVID-19 vaccine?
- What can I do to stay safe until a vaccine is in widespread use?
- What is COVID-19?
- Am I at risk?
- How does it spread?
- How do I protect myself and others?
- What kind of face mask should I be using?
- What are the signs and symptoms of COVID-19?
- What should I do if I suspect I have COVID-19?
- What should I do if I have been exposed to someone with COVID-19 infection?
- If my doctor thinks I need to be tested, do I have to pay for it?
- If I need to see my doctor, what should I do?
- I am worried about running out of my prescriptions. What should I do?
- What kind of healthcare appointments should I expect to be cancelled?
- If I contract COVID-19 is there a cure?
- What about younger adults and children?
- How does my Worldwide Coverage Policy apply during the COVID pandemic?
1. When will a COVID-19 vaccine be available to me?
The CDC has issued guidelines to help states, localities, and territories develop their vaccine programs and establish who has priority for COVID-19 vaccines as they become available. The CDC recommends checking your state's health department website, which can be found on our COVID-19 vaccine page. You can find out when it's your turn to get the vaccine, register to get vaccinated, and find vaccine locations for your area on these state websites. From there, you can look for available appointments at vaccine sites in your area. We encourage you to keep trying until you are able to book a vaccine appointment.
We recommend also checking with your local pharmacy to find out if they have appointments available. You can find out which pharmacies are receiving increased vaccine supplies through the Federal Retail Pharmacy Program website. If you need help looking for appointments or have any vaccine questions, please call our COVID-19 vaccine help line at 1-877-770-4610 (TTY 711).*
If 2 doses are necessary for a complete vaccination, make sure you get both doses of the same vaccine. Until a vaccine is widely available, it's important to follow the recommended safety guidelines described below.
2. Will I be charged when I get the COVID-19 vaccine?
You can get your COVID vaccine free of charge at any location where you can get an appointment—don’t wait. For Clover Health members, there is no copay to receive the COVID-19 vaccine.
3. What can I do to stay safe until a vaccine is in widespread use?
Continue to follow the CDC guidelines, including the following.
- Wear a mask that has at least 3 layers.
- Keep physical distance between yourself and anyone outside your household.
- Wash your hands often.
- Cover your nose and mouth with a tissue when you cough or sneeze into your elbow if a tissue is not available.
- Regularly clean and disinfect surfaces and hands.
- Monitor your health daily.
- Keep those who live in your household safe from COVID-19 exposure.
4. What is COVID-19?
COVID-19 is the infectious disease caused by a coronavirus, which can cause severe pneumonia and even death. It is the source of the current worldwide pandemic and can be easily spread. This is why many governments in the U.S. have ordered people to stay at home and maintain social distancing.
5. Am I at risk?
Older adults (over the age of 60), as well as people with underlying chronic medical conditions like heart disease, diabetes, lung disease, and cancer, are at higher risk for developing serious complications with COVID-19.
6. How does it spread?
Human coronaviruses are usually spread from an infected person to others through the air by talking, coughing, and sneezing through close personal contact, such as touching or shaking hands. We now know that up to 50% of new COVID-19 infections were due to exposure to someone who did not have symptoms and did not know they were carrying and spreading infection.
It may be possible for a person can get COVID-19 by breathing in close proximity with an infected person and/or touching a surface or object that has the virus on it and then touching their own mouth, nose, or possibly eyes. For more information about the transmission of COVID-19, please see the US Centers for Disease Control (CDC) website.
7. How do I protect myself and others?
Centers for Disease Control and Prevention (CDC) and Clover Health recommend that you stay at home as much as possible to reduce your risk and avoid exposure to other households. It’s important to not be a part of the potential spread of this illness. Even if you don’t have any symptoms, staying at home can be your contribution to help stop the pandemic and protect yourself and your loved ones. Many local governments have “stay at home” and social distancing orders in place.
If you do need to go into the community or have contact with members of other households, wear a face mask. Be sure your mask has at least 3 layers. Please click to read the new CDC mask guidelines, which call for wearing a more snugly fitting mask and/or more mask layers. A mask worn with gaps on the sides means air is getting in, which means droplets containing the virus can too.
Also continue to practice social distancing (keeping physical distance between yourself and other people). In addition:
- Clean your hands with soap and water often, for at least 20 seconds, and avoid touching your face. If water and soap aren’t available, use a hand sanitizer that contains at least 60% alcohol.
- Have supplies on hand—especially your necessary medications and medical supplies.
- Take everyday precautions—avoid contact with people who are sick and avoid touching high-touch surfaces in public places.
- Clean and disinfect your home to remove germs.
If you live in a high-risk area, have a compromised immune system, or live with someone who does, we also recommend wearing disposable sterile gloves, such as latex gloves, when leaving the house or caring for a loved one. Wash your hands with soap and dry them before putting on the gloves. After use, safely remove the gloves and throw them away. Here are the CDC’s recommendations on how to safely remove gloves.
Just as importantly, anyone who lives with you should be taking the same precautions so that they do not become infected and pass the virus to you. The highest infection rates come from other household members or those who are in close proximity (within 6 feet) and not wearing a mask.
8. What kind of face mask should I be using?
Be sure your mask has at least 3 layers. Click to see the updated CDC mask guidelines, which call for wearing a more snugly fitting mask and/or more mask layers.
Face masks should:
- Have at least 3 layers
- Fit snugly and comfortably against the side of the face
- Not allow air to pass from gaps on the sides, top, or bottom
- Cover both your nose and mouth
- Be secured with ties or ear loops
- Allow for breathing without restriction
- Be washable (hot water is recommended), without damage or change to shape, or disposable
The CDC recommends wearing face masks in public settings or at home if members of your household may have been exposed to COVID-19, and some state and local governments are making this a requirement. The CDC advises the use of face masks to slow the spread of COVID-19 and help people who may have the virus and don’t know it from transmitting it to others.
9. What are the signs and symptoms of COVID-19?
For many people who have COVID-19 infection, it can seem like a mild cold. But for a small percentage of those with the virus it develops into a severe pneumonia. Recent studies show that even people with no symptoms can carry and spread the virus. That's why it is so important to stay at home, keep your household safe, and not be exposed to other households. Symptoms of COVID-19 include fever, cough, and shortness of breath. If you have these symptoms, isolate yourself from others, and call your doctor.
If you develop emergency warning signs for COVID-19, call 911 immediately. Emergency warning signs include:
- Extreme difficulty breathing
- Severe pain or pressure in the chest
- Severe constant dizziness or lightheadedness
- Blue-colored lips or face
- New confusion or slurred speech
This is not a complete list. Please consult your doctor for any other symptoms that are severe or concerning. New Jersey members can also check their symptoms with the New Jersey COVID-19 Symptom Checker. Members in our other states can use the CDC’s Coronavirus Self-Checker.
10. What should I do if I suspect I have COVID-19?
If you have any serious difficulty with breathing or other life-threatening symptoms, immediately call 911. If you have less severe symptoms and think you might have COVID-19, stay at home, contact your doctor, and start home isolation immediately (see below). Many Clover Health’s doctors are now talking with their patients by video or telephone. These telehealth visits are at no cost to our members.
- Don't go to any public places, stay at home, and don’t have any visitors.
- Regularly take and record your temperature.
- Please do not visit a hospital, physician’s office, lab, or healthcare facility without calling first.
- Don’t share personal items like dishes, utensils, or towels and wash your hands often.
- If your symptoms worsen, please contact your healthcare professional as soon as possible.
- The CDC recommends you remain in home isolation for at least 10 days after symptoms first appear AND that at least 24 hours have passed without having a fever (without fever reducing medicines) AND your symptoms have gotten much better. Please consult your doctor, as local health department recommendations are changing often.
- If you are living with others, wear a mask in your home to protect those around you. Be sure your mask has at least 3 layers.
11. What should I do if I have been exposed to someone with COVID-19 infection?
Although the 14-day quarantine period after exposure to COVID-19 is still ideal, the CDC recommends two other acceptable quarantine periods: 10 days without a test if you have no symptoms and 7 days if you have no symptoms and a negative test. In both instances, the CDC urges you to continue to monitor your symptoms for the full 14 days following exposure. You do not have to be in isolation if you have been fully vaccinated against COVID-19 or have fully recovered from COVID-19 in the last 3 months AND have no symptoms of COVID-19.
12. If my doctor thinks I need to be tested, do I have to pay for it?
The COVID-19 test and visit to conduct the test, will be at no cost to Clover Health members. If admitted, inpatient hospital cost-shares will apply. Testing recommendations and availability continues to vary across our U.S. communities. This includes direct viral tests for COVID-19 (also known as PCR tests) as well as COVID-19 antibody tests. Clover Health only covers the costs for COVID-19 tests that have been authorized by the Food and Drug Administration (both PCR and antibody tests).
Please note that we are still learning how to use antibody test results. Currently, it is not known if a person who tests positive for COVID-19 antibodies is protected from developing serious COVID-19 disease, nor whether it means they are unable to infect others. This means that use of masks, distancing, and hand washing remain important steps to help avoid the spread of COVID-19.
13. If I need to see my doctor, what should I do?
We want you to have the best care possible, so we pay for you to have doctor visits by phone or video. During this national COVID-19 pandemic emergency, these “virtual visits” with your regular doctors are at no cost to you as a Clover Health member.
- If you are feeling sick, especially if you have fever and cough, contact your doctor for further care. Your doctor may be able to see/speak with you remotely via phone and/or video. In most areas, healthcare settings are taking great precautions to keep patients safe. If your doctor feels you should have a visit in-person, be sure to follow any and all rules for masking and testing.
- If you had an existing appointment with a healthcare professional, please contact them about a potential visit over the phone or video.
- If you are unable to reach your doctor, you can talk to a doctor remotely by calling our partner Teladoc at 1-800-835-2362, 24 hours a day, 7 days a week. Due to the concern about coronavirus, hold times may be longer than usual.
14. I am worried about running out of my prescriptions, what should I do?
We provide medications and refills delivered to you at no cost.
- Our pharmacy benefit allows your doctor to order up to 100-day supplies of medications. You can request your doctor call in new prescriptions to your pharmacy or have your pharmacy contact your doctor to obtain prescriptions for 100-day supplies of medication.
- Having your regular prescription drugs delivered by mail is the best way to ensure you will alway have access to your medications. There is no charge for delivery by CVS Caremark Mail Service Pharmacy. Click here sign up for mail service or call the CVS Caremark member services number on the back of your Clover Health member ID card.
- We have temporarily relaxed refill restrictions and you are able to refill your maintenance prescriptions earlier. Talk to your pharmacist about this option if your doctor thinks it is important to have extra medication on hand.
- We have lowered the cost of a 90- to 100-day supply of Tier 1 and Tier 2 prescription drugs via mail order.
- Most neighborhood pharmacies already offer free home delivery (not by mail). If your pharmacy does not and you would like delivery of your medications, consider going through our partner CVS Pharmacy. Your local CVS Pharmacy is temporarily waiving charges for home delivery of all prescription medications. Contact your local CVS pharmacy for more information (Certain restrictions may apply.)
15. What kind of healthcare appointments should I expect to be cancelled?
As localities loosen their shelter-in-place restrictions, some medical providers have restarted in-person visits, procedures, and treatments. Patients should discuss the risks and benefits for these visits and treatments with their providers.
16. If I contract COVID-19, is there a cure?
There is currently no specific medical cure for COVID-19. However, we now have several FDA-approved medications for the management of early, moderate, and severe COVID infections, which require an infusion center or hospitalization. If you are not sick enough to be hospitalized, you can recover at home. If your symptoms are severe enough that you require hospitalization, your standard Clover Health inpatient coverage will apply.
17. What about younger adults and children?
While older adults are more likely to develop severe COVID-19 infection, recent U.S. reports have also noted severe disease in otherwise young and healthy adults. Adults, and especially children, can carry the virus without symptoms and pass it on to others. We are learning some children can develop life-threatening complications from COVID-19 as well.
It is important to wear a mask and practice social distancing (keeping physical distance between yourself and other people) and stay at home without visitor contact to avoid becoming ill or infecting others during this time. And please remember to regularly wash your hands thoroughly and try not to touch your face.
18. How does my Worldwide Coverage Policy apply during the COVID pandemic?
Many Clover Health members also have a Worldwide Coverage Policy for urgent and emergency care while abroad. If a member is unable to return to the United States due to travel restrictions, and has an urgent medical need, including a need for prescription refills for chronic conditions, Clover Health will consider the costs of meeting that need, including the costs of the prescription medications, as urgent care under the policy, and will waive urgent care copays.
We continue to closely monitor news about coronavirus. If you have additional questions about how Clover Health can help during this time, please call Member Services at 1-888-778-1478 (TTY 711).* We appreciate your patience as wait times may be longer than usual.
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