Clover LiveHealthy Flex Plus Card
1 Card = OTC + rewards
Use at most places where Visa is accepted, restrictions apply.†
Clover LiveHealthy
Rewards Program
My Clover
LiveHealthy Rewards FAQ
Over the Counter (OTC)
Register or login to your My Clover account. You can check rewards status, watch Live Healthy learning videos, and more!
LiveHealthy Rewards FAQ
Find answers to frequently asked questions.
Over the Counter (OTC)
Learn more about your OTC benefit.
You do healthy things,
we give you rewards.
Lots of them.
Find out how much you could earn!
Introduction to My Clover
Earn Reward Dollars Through Health-Related Activities
When you enroll in a Clover Medicare Advantage plan, you get a LiveHealthy Flex Plus Visa card. We add reward dollars to your card as you complete each activity.
Get $100 in reward dollars by completing our survey.
By responding to simple questions in our "Getting to Know You" (Health Assessment) Survey, you can help us provide you with the best possible healthcare.
Head to cloverhealth.com/you to complete the survey today.
Get up to $100 in reward dollars just for watching videos.
We’ve created short LiveHealthy Learning videos about accessing your benefits and managing your health.
Log in to your My Clover account to begin watching!
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.
Call Member Services at 1-800-607-2348 (TTY 711)* to schedule your LiveHealthy Visit.
Get up to $60 in reward dollars for receiving certain vaccines.
We’ll put reward dollars on your card for getting the flu shot or a COVID vaccine or booster (up to 2 vaccines total) in 2023.
Log in to your My Clover account or call Member Services at 1-800-607-2348 (TTY 711)* to get started today!
Call Member Services at 1-800-607-2348 (TTY 711)* today for more information.
Get up to $120–$180 a year for OTC items!
Every quarter, we automatically add $30–$45 to your LiveHealthy Flex Plus Visa card for you to buy over-the-counter items, such as pain relievers, vitamins, cold and flu medications, and more.
Head to My Clover to check your balance, shop online, or find a participating store!
What's the difference?
OTC Benefit
LiveHealthy Rewards Program
What's the difference between the OTC benefit and LiveHealthy Rewards program?
Is a benefit given to members each quarter that allows you to purchase commonly used healthy items such as vitamins, band-aids, toothpaste, aspirin, etc.
Is a program where members can 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?
$30 - $45 per quarter
(Up to $120 - $180 per year; amounts may vary by plan)
Up to $410 per year
(amounts may vary by plan)
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.
Reward dollars will be 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
Is a benefit given to members each quarter that allows you to purchase commonly used healthy items such as vitamins, band-aids, toothpaste, aspirin, etc.
LiveHealthy Rewards Program
Is a program where members can 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
$30 - $45 per quarter
(Up to $120 - $180 per year; amounts may vary by plan)
LiveHealthy Rewards Program
Up to $410 per year
(amounts may vary by plan)
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
Reward dollars will be 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
Looking for more information?
Give us a call to discuss the specific plan benefits in your area! 8am to 8pm, 7 days a week*
†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.