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Clover Health Medicare Advantage Plans in Tennessee

Tennessee Medicare plans shouldn’t be a strain on your budget. Medicare Advantage plans offered by Clover Health are designed to give you the benefits you need while being friendly to your budget.

Enter your zip code to see Clover Health plans available in Tennessee.

Clover Health Medicare in Tennessee

At Clover Health, our approach to Medicare is simple. Our Medicare Advantage plans can lower your out-of-pocket healthcare costs, stretch your retirement dollars, give you the freedom to choose the doctor you want, and even give you yearly allowances for dental care, eyewear, and over-the-counter items.

In Tennessee, Clover Health offers PPO Medicare Advantage plans in Davidson, Rutherford, and Williamson counties.

Our Medicare Advantage plans vs. Original Medicare in Tennessee

Original Medicare helps to cover the big stuff in Part A, like hospitalization, and in Part B, like doctor appointments. However, it only covers 80% of your Part B expenses. You are responsible for the remaining 20%, which can add up.

Our Tennessee PPO Medicare Advantage plans have many advantages over Original Medicare, such as:

  • Prescription drug coverage.
  • Lower out-of-pocket expenses which is great for managing your retirement budget.
  • $0/low premiums and copays, so you know how much it will cost to see a doctor or be admitted to a hospital. Original Medicare has coinsurance, which means you pay a portion of the total cost.
  • Allowances for dental care, eyewear, and over-the-counter items, which means you keep more money in your pocket.
  • The SilverSneakers® fitness program, which includes a gym membership and on-demand video classes.
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Peace of mind with a Clover Health Medicare Advantage plan

With a Clover Health Medicare Advantage plan, you can have peace of mind knowing…

  • You are still enrolled in Medicare.
  • Clover Health has a contract with the Centers for Medicare & Medicaid Services (CMS)
  • Every Clover Health Medicare Advantage plan must include all Part A and Part B covered services
  • Every Clover Health plan is reviewed and approved by CMS each year

Core Medicare benefits of our Tennessee Medicare plans

The Clover Health Choice PPO Medicare Advantage plan with prescription drug coverage gives Davidson, Rutherford, and Williamson County residents some of the best benefits in the area, including a $0 monthly plan premium, as low as $0 copays for unlimited primary care visits, unlimited specialist visits, diabetic monitoring supplies and lab services. Plus, a $0 copay for many generic drugs and preventive services, rides to medical appointments, and the SilverSneakers® fitness membership.

When you’re a Clover Health member, your copays for urgent care, emergency care, inpatient hospital stays, outpatient surgery, ambulance services, and prescription costs are reasonable and affordable.

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Clover Health Medicare plans give you the freedom to choose your doctor

Clover Health puts members’ needs first. Our PPO networks are broad and open, enabling our members to see any doctor participating in Medicare who is willing to accept them.

If you’d like to see a list of providers in your area who are in the Clover Health network, please use Find a Provider.

Find a Provider

What’s new for 2022

For 2022, Clover Health will be offering 2 new benefits designed to keep you healthy and save you money.

Eat better with our new Grocery Plus benefit!

Members who qualify** will be able to use their combined OTC/Grocery allowance to purchase both groceries and OTC items at CVS, Walgreens and Walmart and at supermarket locations including Kroger and Food Lion. Online and home delivery will also be available.

There are thousands of approved foods you can purchase with your allowance, including:

• Fresh fruits & vegetables

• Canned fruits & vegetables

• Frozen produce & meals

• Fresh salad kits

• Dairy products

• Meat & seafood

• Beans & legumes

• Pantry staples – flour, sugar, spices, etc.

• Healthy grains – breads, cereals, pastas, etc.

• Nutritional shakes & bars

• Soups

• Water & vitamin water

Items that do not qualify include non-food and pet items, alcohol, baby formula, candy, chips, coffee shop items, desserts, fresh baked goods, soda, and tobacco.

Save money with the Insulin Savings Program

Our Choice PPO plan includes our new Insulin Savings Program, where members with diabetes will have predictable copays for insulin. Members in the program will pay as low as $25/month for select insulins with no deductible. This will help you save about $446 in out-of-pocket costs for the year.

**For the grocery portion of the benefit, you must qualify. To qualify, members must have certain health condition(s), such as hypertension, diabetes, congestive heart failure, or chronic kidney disease. A list of qualifying conditions is available at

Supplemental benefits and services in Tennessee

Another advantage of Clover Health PPO Medicare Advantage plan in Tennessee is the supplemental benefits not offered with Original Medicare.

Dental, vision, and hearing benefits

Dental, vision, and hearing benefits

Clover Health plans cover important dental, vision, and hearing services to support your wellness. Tennessee Medicare plan members get routine dental exams, cleanings, and an annual x-ray. Most plans include comprehensive dental coverage with plans starting at $1,000 yearly allowance for dentures, crowns, fillings, and other dental services.

With Clover Health, you also get one routine vision exam per year, plus some of our plans offer a $100 yearly allowance for routine contacts or glasses. One annual routine hearing exam is also included with a $0 copay in our Tennessee Medicare Advantage plan when you visit a TruHearing audiologist, along with hearing aids with affordable copays.

Over-the-counter items

Over-the-counter items

Our Tennessee Medicare Advantage plans also include an allowance for frequently used over-the-counter products like aspirin, cold and flu medicines, digestive aids, and much more.

In Tennessee our members receive a Healthy Benefits+ debit card, funded with a minimum of $75 every quarter, or $300 a year, to spend on these items, which helps keep more in your pocket.

Easy access to a doctor

Easy access to a doctor

In addition to visiting your doctor’s office, you can now see your doctor from the comfort of your home. Clover Health Medicare Advantage plans provide a telehealth solution to all doctors so they can offer video or phone appointments. If your personal doctor isn’t available, Clover Health can connect you with a doctor or nurse practitioner via video or phone.

Fitness memberships

Fitness memberships

Staying fit and active is much easier when you have the Clover Health Medicare Advantage plan, which includes a SilverSneakers® membership. Sign up for a Clover Health plan and you’ll have access to over 16,000 fitness centers nationwide as well as on-demand video fitness and nutrition classes through SilverSneakers®.

Convenient prescriptions

Convenient prescriptions

Unlike Original Medicare, we cover many prescription drugs and can save you money with a convenient 100-day supply delivered to you. With our Tennessee Medicare Advantage plan, Tier 1 prescriptions from a preferred pharmacy have a $0 copay. Preferred pharmacies include CVS as well as many Walmart and Costco pharmacies and other locations nationwide. Check this pharmacy locator for a preferred pharmacy near you. Copays and the percentage of medication costs covered vary by plan and Medicare phase of coverage, so check our formulary to see if your medications are covered.

Why Clover Health Choice PPO Medicare Advantage for Tennessee?

Most residents of Davidson, Rutherford, and Williamson counties are looking to lower their out-of-pocket healthcare costs, stretch their retirement dollars, have the freedom to choose the doctor they want, and even have yearly allowances for dental care, eyewear, and over-the-counter items. The Clover Health Choice PPO Medicare Advantage plan can help you get all that and more.

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