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Learning about Your Plan

How can I learn what's covered by my plan?

You can read information about all covered benefits in your Evidence of Coverage document. The Summary of Benefits for your plan describes the most commonly used benefits and offers more information about how to access the care you need. You can also call Member Services at 1-888-778-1478 (TTY 711) 8 am–8 pm local time, 7 days a week* to ask any questions you may have about what's covered, to estimate how much something might cost, or to help locate or access care.
 

What is the Evidence of Coverage (EOC)?

The Evidence of Coverage document is your source of truth for understanding what's covered by your plan. It describes in detail what services and items can be paid for by Clover, including how much you'll pay for each. You can view the Evidence of Coverage document on our website. If you need a copy of your plan's Evidence of Coverage document, call Member Services.
 

What is the Annual Notice of Change (ANOC) document?

The Annual Notice of Change is a document Clover uses to describe changes to your plan. We adjust our benefits from time to time. We send the Annual Notice of Change to your home by September 30th each year to describe changes to your plan.
 

What is the Summary of Benefits document and how is it different from the Evidence of Coverage?

The Summary of Benefits is a guide to using your Clover benefits. It's a great source for information about how to get the care you need, about the structure of your plan, and about Medicare and Medicare Advantage. To understand your plan and what's covered, start with the Summary of Benefits, and then refer to the more detailed description of each benefit in the Evidence of Coverage as necessary.