Ir al contenido principal
Para obtener ayuda, llame a Clover al 1-888-778-1478 (TTY 711)

Encuentre una vacuna contra el COVID-19

Medicare Advantage Plans in Alabama from Clover Health

Clover Health’s Alabama Medicare Advantage plans take Medicare coverage to the next level with low or $0 premiums and a cap on yearly out-of-pocket costs to protect your finances.

Enter your zip code to see Clover Health plans available in Alabama.

Clover Health Medicare Advantage Plans in Alabama

At Clover Health, our approach to Medicare is simple. We’re a Medicare Advantage provider focused on lowering your out-of-pocket healthcare costs, stretching your retirement dollars, giving you the freedom to choose the doctor you want, and even giving you yearly allowances for dental care, eyewear, and over-the-counter items.

In Alabama, Clover Health offers PPO Medicare Advantage plans in Chambers, Cherokee, Clay, Cleburne, Macon, Randolph, and Russell counties.

Our Medicare Advantage plans vs. Original Medicare in Alabama

Original Medicare covers the big stuff in Part A, like hospitalization, and in Part B, like doctor appointments. However, it only covers 80% of your Part B expenses. You are responsible for the remaining 20%, which can add up.

Our Alabama Medicare Advantage plans have many advantages over Original Medicare, such as:

  • Prescription drug coverage
  • Lower out-of-pocket expenses, which is great for managing your retirement budget
  • $0/low premiums and copays, so you know how much it will cost to see a doctor or be admitted to a hospital.
  • Original Medicare has coinsurance, which means you pay a portion of the total cost.
  • Allowances for dental care, eyewear, and over-the-counter items, groceries**, and, which means you keep more money in your pocket.
  • Rides to medical appointments and the SilverSneakers® fitness program, which includes a gym membership and on-demand video classes.
Two women sitting on a countertop top laughing together

Peace of mind with the Clover Health Medicare Advantage plan

With the Clover Health Medicare Advantage plan, you can have peace of mind knowing…

  • You are still enrolled in Medicare.
  • Clover Health has a contract with the Centers for Medicare & Medicaid Services (CMS).
  • Every Clover Health Medicare Advantage plan must include all Part A and Part B covered services.
  • Every Clover Health plan is reviewed and approved by CMS each year.

Core Medicare benefits

The Clover Health Medicare Advantage plans with prescription drug coverage gives Alabama County residents some of the best benefits in the area, including:

  • $0 to low monthly plan premium
  • $0 copay for unlimited primary care visits
  • $0 to $15 for unlimited specialist visits
  • $0 copay for many generic drugs
  • $0 copay for outpatient lab services
  • $0 copay for preventive services
  • $0 copay for rides to medical appointments
  • $0 copay for SilverSneakers® fitness membership

When you’re a Clover Health member, your copays for urgent care, emergency care, inpatient hospital stays, outpatient surgery, ambulance services, and prescription costs are reasonable and affordable.

Doctor in an exam room smiling

Our plans give you the freedom to choose your doctor

Clover Health also focuses on keeping your out-of-pocket costs as low as possible. Our Alabama PPO Medicare plans allow members to pay the same low cost-shares whether the doctor is in-network or out-of-network.

If you’d like to see a list of providers in your area who are in the Clover Health network, please use Find a Provider.

Find a Provider

Grocery/Over-the-counter items

Our Alabama plans also include an allowance for frequently used over-the-counter products like aspirin, cold and flu medicines, digestive aids, and much more. This allowance can include groceries**, produce, and even prepared foods that are important to good health.

Alabama LiveHealthy PPO plan members receive a Healthy Benefits+ debit card, funded with $75 every quarter, or $300 a year, to spend on these items which helps keep more money in your pocket. Benefits vary by plan.

Members who qualify** will be able to use their combined OTC/Grocery allowance to purchase both groceries and OTC items at CVS, Walgreens and Walmart and at supermarket locations including Kroger. Online and home delivery will also be available.

There are thousands of approved foods you can purchase with your allowance, including:

• Fresh fruits & vegetables

• Canned fruits & vegetables • Frozen produce & meals

• Fresh salad kits

• Dairy products

• Meat & seafood

• Beans & legumes

• Pantry staples – flour, sugar, spices, etc.

• Healthy grains – breads, cereals, pastas, etc.

• Nutritional shakes & bars

• Soups

• Water & vitamin water

Items that do not qualify include non-food and pet items, alcohol, baby formula, candy, chips, coffee shop items, desserts, fresh baked goods, soda, and tobacco.

**For the grocery portion of the benefit, you must qualify. To qualify, members must have certain health condition(s), such as hypertension, diabetes, congestive heart failure, or chronic kidney disease. A list of qualifying conditions is available at

Supplemental benefits and services in Alabama

Another advantage of the Clover Health plans in Alabama is that we offer supplemental benefits not offered with Original Medicare.

Dental, vision, and hearing

Dental, vision, and hearing

Clover Health plans cover important dental, vision, and hearing services to support your wellness. Alabama members get routine dental exams, cleanings, an annual x-ray, and comprehensive dental coverage with up to a $2,000 yearly allowance for dentures, crowns, fillings, and other dental services.

With Clover Health, you also get one routine vision exam per year, plus up to $250 yearly allowance for routine contacts or glasses. One annual routine hearing exam is also included with a $0 copay in our Alabama Medicare Advantage plan when you visit a TruHearing audiologist, along with hearing aids with affordable copays.

Save money with the Insulin Savings Program

Save money with the Insulin Savings Program

Our LiveHealthy PPO plan includes our new Insulin Savings Program, where members with diabetes will have predictable copays for insulin. Members in the program will pay as low as $25/month for select insulins with no deductible. This will help you save about $446 in out-of-pocket costs for the year.

Easy access to a doctor

Easy access to a doctor

In addition to visiting your doctor’s office, you can now see your doctor from the comfort of your home. Clover Health Medicare Advantage plans provide a telehealth solution to all doctors so they can offer video or phone appointments. If your personal doctor isn’t available, Clover Health can connect you with a doctor or nurse practitioner via video or phone.

Fitness memberships

Fitness memberships

Staying fit and active is much easier when you have the Clover Health Medicare Advantage plan, which includes a SilverSneakers® membership. Sign up for the Clover Health plan and you’ll have access to over 16,000 fitness centers nationwide as well as on-demand video fitness and nutrition classes through SilverSneakers®.

Convenient prescriptions

Convenient prescriptions

Unlike Original Medicare, we cover many prescription drugs and can save you money with a convenient 100-day supply delivered to you. With our Alabama plans, Tier 1 prescriptions from a preferred pharmacy have a $0 copay. Preferred pharmacies include CVS as well as many Walmart and Costco pharmacies and other locations nationwide. Check this pharmacy locator for a preferred pharmacy near you. Copays and the percentage of medication costs covered vary by plan and Medicare phase of coverage, so check our formulary to see if your medications are covered.

Why Clover Health Medicare Advantage for Alabama?

Most Alabama residents are looking to lower their out-of-pocket healthcare costs, stretch their retirement dollars, have the freedom to choose their doctor, and even have yearly allowances for dental care, eyewear, and groceries**/over-the-counter items. Clover Health’s Medicare Advantage plans can help you get all that and more.

Grandmother and grandson walking on a beach

Let's find out if Clover is right for you.

We're available to talk 8am to 8pm, 7 days a week.*