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What to know about COVID-19

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COVID 19 Vaccine FAQs

Search for a vaccine to find appointments near you. All the major pharmacy chains and local communities have vaccines readily available. If you’re a Clover Health member and are having trouble finding an open appointment or have any vaccine questions, give our Member Services team a call at 1-888-778-1478 (TTY/TDD 711).*

Pfizer or Moderna (mRNA vaccines) are preferred. For two-dose vaccines, make sure you get both doses of the same vaccine (for example, two Pfizer or two Moderna doses).

For boosters, either Pfizer-BioNTech or Moderna is preferred—it does not matter which vaccine you first received. For example, if you got two doses of the Pfizer vaccine initially, you can get a Moderna booster. Or, if you receive the Johnson & Johnson vaccine, you can receive a Pfizer-BioNTech or Moderna booster.

You can get your COVID-19 vaccine and booster at no cost to you at any location where you can get an appointment—don’t wait.

At Clover Health, we strongly encourage you to get the COVID-19 vaccine. Getting vaccinated is the best way to protect yourself, your family, and your friends from severe disease. Unvaccinated people are much more likely to become seriously ill with COVID-19.

The COVID-19 vaccine and boosters are more important than ever with the variants, which spread much more quickly and are more contagious, particularly to those who are unvaccinated. Getting the COVID-19 vaccine is the best way to protect yourself and slow the spread of these variants.

Yes, the COVID-19 vaccines are safe and they work. Getting vaccinated protects you from COVID-19 disease, especially severe illness and death. Variants of the coronavirus may be more infectious and spread faster than earlier forms of the virus. Those who are fully vaccinated and boosted are better protected from developing serious disease.

You may have side effects after you receive your vaccine, such as a sore arm or flu-like symptoms. These are normal and should go away within 1-2 days. Over 220 million Americans have been vaccinated safely against COVID-19.

The COVID-19 vaccine has been tested and shown to be effective and safe for patients with conditions such as high blood pressure, diabetes, and heart disease. If you are receiving active treatments that suppress your immune system, such as medications for organ transplants, active cancer treatments, or management of autoimmune diseases, then COVID-19 vaccination is still recommended. Check with your doctor to get their recommendation for when and how you should get the vaccine as well as the number and frequency of boosters that may be recommended for you.

In general, people are considered vaccinated:

  • 2 weeks after their second dose of the Pfizer or Moderna (mRNA) vaccine 
  • 2 weeks after the single-dose Johnson & Johnson’s Janssen vaccine

All adults are eligible for a COVID-19 booster:

  • 5 months after their second dose of the Pfizer mRNA vaccine
  • 5 months after their second dose of the Moderna mRNA vaccine
  • 2 months after their single J&J vaccine dose

Booster doses of COVID-19 vaccines are recommended for all adults, because vaccination immune response naturally weakens over time and variants are circulating. The COVID-19 booster shot will help maximize protection and reduce the risk of serious illness. Please refer to the latest booster eligibility criteria from the Centers for Disease Control and Prevention to find out which booster is recommended for you and when you should get it.

If you live in a high-risk area, have a compromised immune system, or live with someone who does, we recommend wearing a mask in public settings. Newer variants may be more infectious than earlier forms of the coronavirus. If you are fully vaccinated and become infected, it is still possible for you to spread the virus to others. For added protection, wear a high-quality mask, such as a medical-grade mask, or better fitting N95, KN95 or KF94 mask– these masks are now more widely available.

Continue to be careful in public crowds and in poorly ventilated spaces, and continue to watch out for symptoms of COVID-19. If you have symptoms of COVID-19, get tested and stay home and away from others.

Even if you’ve already had COVID-19 infection, studies so far indicate that the immune response from the vaccine is stronger and longer lasting. The CDC recommends vaccination (including boosters) even for those who have already had COVID-19. It appears that immune protections from natural infection or a vaccine will last only several months, hence the recommendation for booster shots.

General COVID-19 FAQs

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. We now have very effective vaccines that protect us from becoming ill with COVID-19.

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.

Even those who are younger and in good health are at higher risk for serious illness if they are unvaccinated.

The most important way to protect yourself from COVID-19 infection is to get vaccinated. We strongly encourage you to get the COVID-19 vaccine as soon as possible.

If you haven't been vaccinated yet:

  • Wear a snuggly fitting mask that covers your nose and mouth to help protect yourself and others. Find mask guidelines from the CDC here.
  • Stay at least 6 feet apart from others, especially around people who don't live with you.
  • Avoid crowds and poorly ventilated indoor spaces, which can make you more likely to get or spread COVID-19.
  • Wash your hands often with soap and water, or use hand sanitizer if soap and water aren't available.
  • Get a COVID-19 vaccine as soon as you can.

COVID-19 infection occurs via respiratory droplets by breathing air shared with an infected person. Human coronaviruses are usually spread from an infected person to others through the air by talking, coughing, sneezing, or breathing the same air. We now know that significant rates of new COVID-19 infections are due to exposure to someone who did not have symptoms and did not know they were carrying and spreading infection.

For many people who have COVID-19 infection, it can seem like a mild cold. But for a small percentage, COVID-19 infection can develop 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 be vaccinated and wear a mask when local rates or risk of infection are high. Symptoms of COVID-19 may be mild to severe and include:

Fever or chills


Shortness of breath or difficulty breathing


Muscle or body aches


New loss of taste or smell

Sore throat

Congestion or runny nose

Nausea or vomiting

If you develop emergency warning signs for COVID-19, call 911 immediately or call ahead to your local emergency facility. Emergency warning signs include:

Trouble breathing

Persistent pain or pressure in the chest

New confusion

Inability to wake or stay awake

Pale, gray, or blue-colored skin, lips, or nail beds, depending on skin tone

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.

It's very important to avoid spreading the virus by isolating at home and taking the following precautions:

  • Get tested for COVID-19 infection. You should isolate at home until you are tested and should test 3 to 5 days after a known exposure. You can find a local test site (here) or self-administer a rapid COVID-19 test at home. Note that some home tests require you to test two separate times spaced apart by at least 36 hours to confirm that you are negative.
  • Don't go to any public places, stay at home, and don’t have any visitors.
  • Don’t share personal items like dishes, utensils, or towels and wash your hands often.
  • Monitor your symptoms closely, regularly take and record your temperature, and if your symptoms worsen, please contact your healthcare professional as soon as possible.
  • For more specific recommendations on the length of time to isolate, based on your vaccination status, please see the latest CDC recommendations.

If you have been exposed to COVID-19, follow the quarantine recommendations from the Centers for Disease Control, monitor your symptoms closely, and get tested immediately if you develop symptoms. Those who have been fully vaccinated and boosted will be able to return to activities more easily than those who are not vaccinated. With newer more infectious virus variants, the use of masks while around others is still recommended.

We want you to have the best care possible, so as a Clover Health member during this national COVID-19 pandemic emergency, phone and video visits with your regular doctors are available at no cost to you.

  • 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 via video and/or phone. If your doctor recommends an in-person visit, be sure to follow any and all rules for masking and testing.
  • If you’re a Clover Health member and 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.

COVID-19 tests received from a laboratory, pharmacy, doctor, or hospital are covered by your Clover Health plan at no cost to you. Self-administered tests can be purchased at your local pharmacy and your over-the-counter benefit can be used to purchase home tests. (See questions 10 and 11 below for more information.) If you are admitted to a hospital for COVID-19 care, inpatient hospital cost-shares will apply.

Note that home self-administered tests are generally not as accurate or reliable as laboratory tests. If there is any question about your result, it is best to have laboratory PCR test confirmation, especially if you have symptoms and your home test is negative, or if your home test is positive and you have no symptoms or any likely exposure to COVID-19.

There are a few ways you can get rapid home COVID tests.

  • Right now every U.S. household is eligible to order a limited number of free COVID home tests through a federal program. To order your free tests, go to
  • Your local health department may also be providing home tests in your community as well. You can check your state and county websites for updates. In New Jersey, free tests are being sent out on request. Go to
  • Pharmacy chains are selling home tests (both online and in stores), but they may be in short supply.
  • You can use your over-the-counter (OTC) allowance† to purchase certain brands of COVID home tests. Right now your OTC benefit covers these home test brands, which you can get through participating retailers:
    • BinaxNOW
    • On/Go
    • iHealth
    • InteliSwab

† The over-the-counter benefit does not apply to New Jersey plan H5141-055.

You can use your LiveHealthy OTC card to purchase certain brands of COVID home tests and other approved items in stores, online, or by phone as long as you have funds in your quarterly allowance.† You should have received a Healthy Benefits+ welcome kit with a LiveHealthy OTC card in the mail. There are three ways to use it: in store, online, or by phone.

  • If you want to use your allowance to purchase home tests at a participating store or pharmacy, the cashier will scan the barcode on the back of your card at checkout or you can scan it yourself if you use self-checkout.
  • If you want to use your allowance to purchase home tests online or by phone, or to find participating stores, go to We recommend you register on that site to check the balance on your OTC allowance or see the approved OTC selection on the Walmart website. Just so you know, if a COVID test or any OTC item is out of stock, it may not show up when you search the OTC selection online. You may have to keep checking back or try to find home tests in participating stores.
  • For more information on using your OTC allowance without going to the website, you can call Healthy Benefits Plus at 1-844-529-5869 (TTY 711) 8 am–8 pm local time, 7 days a week.

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 get prescriptions for 100-day supplies of medication.
  • Having your regular prescription drugs delivered by mail is the best way to ensure you 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 lowered the cost of a 100-day supply of Tier 1 and Tier 2 prescription drugs via mail order.

Yes, it is generally safe to go to healthcare settings in person. There may be additional precautions, such as mask use, in place to protect you.

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, some 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.

While older adults are more likely to develop severe COVID-19 infection, 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. Some children can develop serious illness and life-threatening complications from COVID-19 as well. Visit the CDC’s website to learn more about COVID-19 vaccines for children and teens.