
Over-the-counter (OTC) and Grocery Plus
OTC
We understand that the cost of everyday items in your medicine cabinet can add up quickly. Most Clover Health plans include a quarterly allowance that can be used to pay for select over-the-counter medications and everyday health supplies, including allergy medication, digestive health treatments, first aid supplies, pain relievers, oral care items, and more, using their Healthy Benefits+ card.
Grocery Plus
Many of our members may qualify to use the same allowance they use to purchase their OTC items on groceries using the same Healthy Benefits+ card. The Grocery Plus benefit offers a wide range of healthy groceries, including
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Refer to your Evidence of Coverage to find your quarterly allowance amount. Please note: Quarterly allowances expire at the end of each quarter and the funds do not roll over to the next quarter.
Members can shop in-store to use their OTC and/or Grocery Plus benefit by simply presenting their Healthy Benefits+ card at the cash register.
OTC items can be purchased online at HealthyBenefitsPlus.com/cloverhealthotc or by calling 1-844-529-5869 from 8 am to 11 pm Eastern time, Monday through Friday.
Click here for the 2022 LiveHealthy Item Catalog
Comprehensive dental coverage
We know quality dental care is an essential part of your overall health, which is why many Clover plans offer an allowance for comprehensive dental services in addition to preventive routine dental.
This additional coverage provides a yearly allowance for most dental services that are not listed as preventive. The allowance amount depends on the policy. Plans with comprehensive dental require a $20 copay for each of the services listed below. Clover partners with DentaQuest to provide dental services.
Comprehensive dental benefits include:
- extractions
- crowns
- bridges
- dentures
- and more
IMPORTANT:
- When you call the dentist, please make sure to ask if they accept DentaQuest.
- Be sure to bring your DentaQuest/EyeQuest card with you to every appointment.
- HMO members must see a DentaQuest provider to use their Clover Health dental benefits. In most cases, the provider will simply bill DentaQuest.
PPO members can submit a reimbursement form when paying for out-of-network services out of pocket. In the event that you have to pay for out-of-network services, you can submit a reimbursement form. Please call Member Services to have the form sent to you.
For approved services, you may be reimbursed up to your annual benefit allowance minus applicable copay. You should receive payment within 30 days from the day Clover receives your completed reimbursement form.
To help you understand your financial responsibility for dental services, please refer to your Evidence of Coverage or call DentaQuest at 1-855-343-7404.
Find a DentaQuest near you.Vision
We know that your vision is important to your quality of life. Clover works with EyeQuest to offer routine vision exams and eyewear on all plans. Many Clover plans include an allowance for comprehensive vision services in addition to preventive services. Our comprehensive vision benefits include:
- A yearly allowance for one pair of eyeglasses or contact lenses
How much you pay for glasses or contacts depends on the eyewear you choose.
Your Clover Health plan also covers medical vision care, such as diabetic retinal exams, cataract surgeries, and other treatments that fall under your medical benefits. For more information, see your Evidence of Coverage or call Clover Member Services.
IMPORTANT:
- When you call an eye care provider, please make sure to ask if they accept EyeQuest.
- Be sure to bring your DentaQuest/EyeQuest card with you to every appointment.
- HMO members must see an EyeQuest provider to use their Clover vision benefits. In most cases, the provider will simply bill EyeQuest.
PPO members can submit a reimbursement form when paying for out-of-network services out of pocket. In the event that you have to pay for out-of-network services, you can submit a reimbursement form. Please call Member Services to have the form sent to you.
For approved services, you may be reimbursed up to your annual benefit allowance. You should receive payment within 30 days from the day Clover receives your completed reimbursement form.
To help you understand your financial responsibility for vision services, please refer to your Evidence of Coverage.
Find an Eyequest doctor near you.Hearing
At Clover we believe in treating hearing loss early. Clover works with TruHearing to provide hearing aid services at a low cost. Our TruHearing benefit includes:
- 1 hearing exam per year with a TruHearing provider, $0 copay
- 2 TruHearing branded hearing aids per year, one for each ear:
- Advanced aid, $699 copay for each hearing aid, or
- Premium aid, $999 copay for each hearing aid
- First year of follow-up provider visits from date of hearing aid purchase
- 60-day trial and
- 3-year warranty
- 80 free batteries per aid included with non-rechargeable hearing aid models
To learn more and schedule an appointment with a TruHearing provider, call 1-855-205-5570 (TTY/TDD 711) 7 am–6 pm Mountain time, Monday through Friday.
Call TruHearing at 1-855-205-5570Insulin Savings Program
In 2022, many plans include our new Insulin Savings Program, where members with diabetes will have predictable copays for insulin. Members in the program may pay as little as $25/month for select insulins with no deductible. This will help you save about $446 in out-of-pocket costs for the year.
SilverSneakers®
All Clover Health members receive access to SilverSneakers, a program that offers you access to a network of thousands of gyms as well as online fitness classes and on-demand videos on exercise, nutrition, and more—at no cost to you. SilverSneakers' gyms offer activities like recreational swimming, aerobics, weight management services, nutrition counseling, individualized fitness programs, and virtual group classes.
You can contact SilverSneakers at 1-888-502-0836 (TTY/TDD 711) 8 am–8 pm EST, Monday through Friday.
Learn more about SilverSneakers24/7 access to doctors
Need to see a doctor outside of normal business hours? We know how important this has become recently. All Clover members have the option to see a doctor for non-emergency health issues by video or on the phone. Appointments are available 24 hours a day, 365 days per year, with no referral or prior authorization required.
Evidence of CoverageTransportation
Some Clover Health plans cover medically necessary one-way trips within the plan service area to any health-related location. Each one-way trip must not exceed 50 miles. Arrangements must be made at least 1 business day in advance. Please contact Clover Member Services to arrange a ride. For emergencies, call 911.
Transportation
Are you a current member?
Log in to My Clover to get a full list of the specific supplemental benefits you have access to based on your current plan.
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Original Medicare
Traditional Medicare covers hospitals (Part A) and doctors (Part B), and you pay standard rates for services. You can go to any doctor, hospital or other provider that accepts Medicare patients anywhere in the country.
You can add drug coverage (Part D) by enrolling in a private "stand-alone" drug plan for an additional premium. You can buy separate Medigap insurance to cover some or most of the out-of-pocket costs of hospitals (Part A) and doctors (Part B).
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