Clover LiveHealthy Flex Plus Card
1 Card = OTC + Rewards
Use at most places where Visa is accepted, restrictions apply.†
2025 Clover LiveHealthy
Rewards Program
Earn up to $400 Reward Dollars Through Health-Related Activities
At Clover Health, we believe you should be rewarded for healthy activities. That’s why every Clover Medicare Advantage plan includes the LiveHealthy Rewards program giving you up to $400 reward dollars a year to spend on things like groceries, clothes, and more.† When you complete the activities, we load the reward dollars onto your LiveHealthy Flex Visa card making it easy to spend. The card can be used at most places where Visa is accepted, restrictions apply.†
Get $80 in reward dollars by completing our survey.
By completing our 2025 "Getting to Know You" (Health Assessment) Survey, you’ll receive $80 reward dollars. The survey helps us understand your needs better to provide you with the best possible healthcare.
Head to cloverhealth.com/you sto complete the survey if you haven’t already filled it out this year.
Get $150 in reward dollars for completing a LiveHealthy Visit.
Have one of our preferred doctors or nurse practitioners assess your health, review your medications, and answer any questions you may have. It'll be good for your health—and your rewards balance.
Take the first step and call 1-800-607-2348 (TTY 711)* to complete your required consultation and schedule your LiveHealthy Visit.
Get up to $50 in reward dollars for preventive care.
We’ll reward you for completing certain preventive care services:
- Flu shot ($10 in reward dollars)
- A1C test ($20 in reward dollars)
- Retinal eye exam with an EyeQuest provider ($20 in reward dollars)
Each of these rewards can only be earned once in 2025.
Get up to $120 in reward dollars just for getting active.
We’ll reward you $30 in reward dollars per quarter for completing one of the following activities:
- Attend a One Pass® gym or class (virtual or in-person)
- Attend a Clover member event (virtual or in-person)
- Complete select poll(s) that are available on the Member Portal
- Register and log in to the LiveHealthy app (please note: this reward can only be earned one time in 2025)
Information at your fingertips.
Current Clover members:
- To check your reward status and more–sign-up or log in to your My Clover account. You can also call 1-800-607-2348 (TTY 711), 8 am to 8 pm local time, 7 days a week*
- For more details on the program, download the LiveHealthy/OTC User Guide.
Still have questions?
Answers to many questions can be found in our LiveHealthy Rewards FAQ or in the chart below.
The differences between the LiveHealthy Rewards and OTC benefit
OTC Benefit
LiveHealthy Rewards Program
What's the difference between the OTC benefit and LiveHealthy Rewards program?
Gives members an allowance each quarter that allows you to purchase commonly used healthy items such as vitamins, band-aids, toothpaste, and aspirin.
Lets members earn reward dollars by completing activities that promote good health. You can even do some activities without leaving your home. And you can spend your reward dollars on just about any products or services! †
How much money?
$50–$170 per quarter
(Up to $200–$680 per year)
The amount varies by plan.
Up to $400 per year
Are there any time limits to use the funds?
Must use within allocated quarter
(Jan.-March, April-June, July-Sept., Oct.-Dec.)
No quarterly restrictions
When are the funds loaded onto the card?
OTC dollars will be loaded onto the Flex Card at the beginning of each quarter.
Earned reward dollars are loaded after completion of the reward requirement. (Load time may vary based on verification of reward completion.)
Is there a limit on what I can use the card on?
Yes, you must purchase OTC items from an approved list.
No, you can use Reward dollars on most items (grocery, transportation, etc.) except alcohol, tobacco and firearms.†
What if I spend more than what is on the card?
If you go over your quarterly amount and have Rewards dollars on the card, the overage will be covered by your Rewards dollars. If you do not have the Reward dollars, you will be responsible for the overage.
If you exceed your Rewards dollars on the card, you will be responsible for overage.
Can the funds be converted to Cash?
No
No
What's the difference between the OTC benefit and LiveHealthy Rewards program?
OTC Benefit
Gives members an allowance each quarter that allows you to purchase commonly used healthy items such as vitamins, band-aids, toothpaste, and aspirin.
LiveHealthy Rewards Program
Lets members earn reward dollars by completing activities that promote good health. You can even do some activities without leaving your home. And you can spend your reward dollars on just about any products or services! †
How much money?
OTC Benefit
$50–$170 per quarter
(Up to $200–$680 per year)
The amount varies by plan.
LiveHealthy Rewards Program
Up to $400 per year
Are there any time limits to use the funds?
OTC Benefit
Must use within allocated quarter
(Jan.-March, April-June, July-Sept., Oct.-Dec.)
LiveHealthy Rewards Program
No quarterly restrictions
When are the funds loaded onto the card?
OTC Benefit
OTC dollars will be loaded onto the Flex Card at the beginning of each quarter.
LiveHealthy Rewards Program
Earned reward dollars are loaded after completion of the reward requirement. (Load time may vary based on verification of reward completion.)
Is there a limit on what I can use the card on?
OTC Benefit
Yes, you must purchase OTC items from an approved list.
LiveHealthy Rewards Program
No, you can use Reward dollars on most items (grocery, transportation, etc.) except alcohol, tobacco and firearms.†
What if I spend more than what is on the card?
OTC Benefit
If you go over your quarterly amount and have Rewards dollars on the card, the overage will be covered by your Rewards dollars. If you do not have the Reward dollars, you will be responsible for the overage.
LiveHealthy Rewards Program
If you exceed your Rewards dollars on the card, you will be responsible for overage.
Can the funds be converted to Cash?
OTC Benefit
No
LiveHealthy Rewards Program
No
†LiveHealthy Rewards dollars may not be used to purchase, alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details.