Extra Benefits

Regular dental visits are important to your health and well-being. That’s why we have partnered with DentaQuest to provide your dental benefits. With preventive coverage included in the plan, your dentist will be able to find dental problems early, when they’re easier to fix. This can help you save money and avoid unwanted additional treatments.

Most plans cover preventive and comprehensive services.

Preventive Dental Coverage

These routine dental services are covered at low costs to you:

• Cleanings
• X-ray
• 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 a low copay and also give you an annual allowance to help pay for services. 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:

• Extractions
• Root canals
• Crowns
• 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:

1. Go to dentaquest.com/find-a-dentist.
2. Enter your zip code.
3. Type of Plan: Select “Medicare”
4. Choose Your Plan: 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.

PPO plan members: 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 cloverhealth.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.

Clover Health partners with EyeQuest to cover one routine 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.

HMO plan members: You must see an eye doctor who is contracted with EyeQuest to use your routine vision coverage. If you visit an eye doctor who is outside of the EyeQuest network, you will be responsible for the full cost of the service.

PPO plan members: 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 prefer to see a non-EyeQuest eye doctor you will have to first pay out of pocket. You can then submit a Reimbursement Form to EyeQuest. The form is located at cloverhealth.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.

Clover Health partners with TruHearing to provide hearing aid services. In 2026, you can now get hearing aids for as low as $499 per aid, along with other options at $699 or $999 per aid. Your plan offers one routine hearing exam and two hearing aids (one for each ear) per year.

We give you an allowance of at least $200 per year* to shop a selection of thousands of approved over-the-counter (OTC) items. Things like bandages, cough medicine, and vitamins are just a few of the OTC purchases you can make with your allowance. Plus, you have the convenience of getting your OTC items at leading retail locations like CVS, Walgreens, and Walmart, or by phone or online. Find an approved retailer to purchase OTC products at healthybenefitsplus.com/cloverhealth/stores/storefinder

*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 (see below)
• Find participating stores 

For a sample selection of covered items, view the 2026 LiveHealthy Item Catalog.

We want to help you to move and feel as strong as possible. That’s why we include a membership to One Pass® with your Clover Health plan at no cost to you. You will have access to a large nationwide premium network of gyms and fitness locations. Plus, you can join over 20,000 online fitness classes live, on-demand, in the comfort of your home. The program also offers personalized online brain training games to help you improve your memory and focus.

Follow the steps below to find a gym or fitness location near you.

4 Easy Steps to Sign Up 

1. Go to youronepass.com, click ‘Get Started,’ and follow the instructions.

2. Receive your One Pass member code.

3. Click ‘Fitness’ and ‘Find Gyms’ to find locations near you.

4. Bring your code from Step 2 to any participating location - you can go to as many as you’d like.

One Pass is a voluntary program. The One Pass program varies by plan/area. Information provided is not medical advice. Consult a health care professional before beginning any exercise program.

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.

Have a telehealth appointment booked? Learn how to get ready for your visit on our blog here.