We give you an allowance of at least $120 per year* to shop a selection of thousands of approved over-the-counter (OTC) items, including things like bandages, cough medicine, and vitamins. Plus, you have the convenience of purchasing your OTC items at leading retail locations like CVS, Walgreens, and Walmart, or by phone or online.
*The allowance is distributed quarterly and expires at the end of each quarter (March 31, June 30, September 30, and December 31). Refer to your Evidence of Coverage to find your quarterly allowance amount.
Check your balance, find a store, and more!
Head to my.cloverhealth.com or download the Healthy Benefits+ mobile app—or both!
Use the website or app to:
- Get more details on using your OTC benefit
- Check your account balance for both your OTC allowance and rewards earned through our new program (see below)
- Find participating stores
For a sample selection of covered items, view the 2023 LiveHealthy Item Catalog.Order OTC items online
Clover Health has partnered with DentaQuest to provide your dental benefits. We can answer any questions you may have about your dental plan.
Regular dental visits are important to your health and well-being. Your dentist will be able to find dental problems early when they’re easier to fix. That will usually help save you money.
Most plans cover preventive and comprehensive services.
Preventive Dental Coverage
These routine dental services are covered at low costs to you:
- Fluoride treatments
- Oral exam
For Medicare-covered dental services, like diseases or injuries that are treated in a hospital, refer to your Evidence of Coverage.
If you call to ask if a dentist accepts your insurance, please refer to your dental plan as “DentaQuest,” not “Clover Health,” to avoid confusion.
Comprehensive Dental Coverage
Comprehensive dental includes most services that are not listed as preventive services.
Plans that include comprehensive dental coverage have an annual allowance. These plans also have a low copay for each comprehensive service. The allowance can be used to cover the dental services listed below. (Limitations may apply.) Once your allowance is used, you will be responsible to pay for any additional dental costs for the rest of the year.
Comprehensive dental services include:
- Root canals
- Bridges and fillings
- And more
How to find an In-Network Dentist:
Use our online Find a Dentist tool to find an in-network dentist that is close to you. Here’s a step-by-step guide:
- Go to dentaquest.com/find-a-provider/cloverdental.
- Select your state.
- Select “Choose a location and plan.”
- Enter your address, city, or zip code.
- Confirm your location by selecting “Yes, this is correct.”
- Type or scroll through the listings in your state.
- Select Clover Medicare. You have the option to search for dentists by name, specialty, or location. You can also perform an advanced search to further filter your search results, or search for all.
HMO plan members: You must see a dentist who is contracted with DentaQuest to use your dental coverage. If you visit a dentist who is outside of the DentaQuest network, you will be responsible for the full cost of the service.
Reimbursement for Services We encourage you to see a dentist who accepts DentaQuest. In most cases, the provider will simply bill DentaQuest. Just present your DentaQuest/EyeQuest ID card at the time of service.
In the event that you prefer to see a non-DentaQuest dentist you will have to first pay out of pocket. You can then submit a Reimbursement Form to DentaQuest. The form is located at cloverheatlh.com/dmr.
For covered and approved services, you should receive payment up to your annual benefit allowance minus applicable copay. To help you understand your financial responsibility for dental services, please refer to your Evidence of Coverage.Find a DentaQuest provider near you
Clover Health partners with EyeQuest to cover one eye exam and an annual allowance for one pair of eyeglasses or contact lenses per year.
To find an in-network vision provider, click here.
Reimbursement for Services
We encourage you to see an eye doctor who accepts EyeQuest. In most cases, the provider will simply bill EyeQuest. Just present your DentaQuest/EyeQuest ID card at the time of service.
In the event that you have to pay out of pocket, you can submit a Reimbursement Form to EyeQuest. The form is located at cloverheatlh.com/dmr.
For covered and approved services, you should receive payment up to your annual benefit allowance minus applicable copay. 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.Find an Eyequest doctor near you.
Hearing aids can cost up to $2,400 or more per aid, but Clover Health partners with TruHearing to provide hearing aid services at a low cost ($699 or $999 per aid). Your plan offers one routine hearing exam and two hearing aids (one for each ear) per year.
Find a TruHearing provider
Medicare Part D Insulin Coverage
Important Message About What You Pay for Insulin
You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan, no matter what cost-sharing tier it’s on.
In 2023, many plans include the Insulin Savings Program, where members with diabetes will have predictable copays for insulin. Members in the program will pay $35/month for select insulins with no deductible.
Fitness with SilverSneakers®
We want to help you to move and feel as strong as possible. The free SilverSneakers® membership included in your Clover plan offers live and on-demand video classes for times when you can’t go to a class in person. Try the online classes if you enjoy learning at home, or choose from over 17,000 fitness locations if you prefer to take classes in-person.
Access a broad selection of healthy lifestyle offerings. Some in-person classes even meet outside at local parks and include group walks so you can enjoy that fresh air and sunshine! Just go to silversneakers.com to access classes and the many other benefits available on the site.
SilverSneakers Tuition Rewards As a SilverSneakers member, you can save thousands on tuition for your loved ones. The program is easy to use and it’s free. Imagine helping your grandkids or other students in your life pay for school while you’re staying fit. Your workouts can add up to big savings. (Note: This program is not managed by Clover)
For more information, visit silversneakers.tuitionrewards.com.Learn more about SilverSneakers
24/7 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.
For more information, see your Evidence of Coverage.
Clover LiveHealthy Rewards Program®
Healthy activities should be rewarded! With our new rewards program, we give you the opportunity to earn up to $410† a year while taking a path to your best health.
- Get $100 for answering simple questions as we get to know you.
- Answering these questions will help us to personalize your healthcare experience.
- Get up to $60 for receiving certain vaccines.
- Getting recommended vaccines is key to preventive health.
- Get $150 for completing a LiveHealthy Visit.
- In this visit, a preferred doctor takes a comprehensive look at your health, your lifestyle, and your meds.
- Get up to $100 for watching LiveHealthy learning videos.†
- The videos will give you proactive tips on how to manage your health.
†For Choice (PPO) (032) and Choice Value (PPO) (042), the total reward amount is up to $310 as it does not include the reward for watching educational videos mentioned above.
LiveHealthy Flex Plus Card—1 Card for 2 Great Programs
The Flex Plus card is used for both your OTC benefit and your rewards earned through the LiveHealthy Rewards program.
Spending your OTC allowance and reward dollars is easy.
- Your LiveHealthy Flex Plus card will arrive in the mail activated and ready to use. The card can be used almost anywhere Visa is accepted.
- Use your Flex Plus card to spend your OTC allowance on qualifying items and your reward dollars on just about any product—except for alcohol, tobacco products, and firearms.
- Your HealthyBenefits+ welcome kit will include instructions on how and where to shop.
- To check your rewards balance, visit cloverhealth.com/livehealthy.
Note: These funds cannot be converted to cash. Other limitations may apply. Please contact Clover Health for details.
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.