Welcome to
Let’s Get Started
Let’s Get Started
Getting Started
Before your coverage starts, you’ll receive:
- Clover Member ID and DentaQuest/EyeQuest cards
- LiveHealthy Flex Plus Visa card
- Welcome Kit
- Over-the-Counter and LiveHealthy User Guide
Know Your Costs
- Summary of Benefits: Highlights of what your plan covers and costs
- Evidence of Coverage: Full details of what your plan covers and costs
- View your plan documents
First 30 Days
- Update your insurance information with health providers
- Activate your LiveHealthy Flex Plus Visa card
- Get your One Pass® member code, use your fitness benefits, earn $30 reward dollars*
- Shop using your first quarterly over-the-counter allowance
- Complete the Getting To Know You (Health Assessment) Survey and earn $80 reward dollars*
First 60 Days
- Complete a LiveHealthy Visit and collect $150 reward dollars*
- Call us first at 1-800-607-2348 (TTY 711)* for your required consult, and we will get you scheduled
- Sign up for prescription mail order. Your $0 copay may allow for a 100-day supply
- Shop using your first quarterly over-the-counter allowance
- Attend a Member Welcome Meeting
First 90 Days
- Schedule your dental, vision, and hearing exam
- Find a provider in the DentaQuest, EyeQuest, and TruHearing networks
- Shop using your first quarterly over-the-counter allowance
- Register for the My Clover Member Portal
Attend a Member Webinar
Register for a Clover webinar to learn more about different plan benefits.
Bonus: You can earn $30 reward dollars*† for attending.
*LiveHealthy rewards may not be used to purchase alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details.
†You can earn a maximum of $30 in reward dollars per quarter by completing "get active" activities.
** $30 LiveHealthy rewards per quarter for one of the following activities: Attend a One Pass® gym or class (virtual or in-person), attend a Clover member event (virtual or in-person), complete select poll(s) that are available on the Member Portal, register and log in to the LiveHealthy app (this reward can only be earned one time in 2026).
‡Payment will take up to 45 days for any rewards related to One Pass® activity.
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Frequently Asked Questions
You'll receive your:
- Member ID card
- DentaQuest/EyeQuest card
- LiveHealthy Flex Plus Visa card
- Welcome Kit
- Over-the-Counter and LiveHealthy User Guide
Follow these 4 easy steps.
- Go to ‘My Clover’
- Click the ‘Register’ button
- Or if you have already registered, you will log in with your username and password
- Enter your Member ID, birth date, and ZIP code
- Click ‘Next’ at the bottom of the page
- Create a username and password
- Add two security questions and answers
- View or print your ID cards
- Look up claims
- Check your OTC and LiveHealthy Rewards balance
- Chat with a customer service agent online
- And much more
- Go to My Clover Member Portal
- Click “Request an ID Card” located on the upper left
- Click “Print” to print your card
CVS Caremark (Prescriptions)
Phone: PPO plans: 1-855-479-3657 (TTY 711)
HMO plans: 1-844-232-2316 (TTY 711)
DentaQuest (Dental)
Phone: 1-855-343-7404
EyeQuest (Vision)
Phone: 1-855-343-7404
TruHearing
Phone: 1-855-205-5570
One Pass® (Fitness)
Phone: 1-877-504-6830
Have other questions?
Clover Health Member Services
Phone: 1-888-778-1478 (TTY 711)*
Your LiveHealthy Visa Flex Plus card is for both your Over-the-Counter (OTC) allowance and LiveHealthy Rewards. It’s a smart card that will first automatically deduct approved items from your OTC wallet if shopping at an approved retailer and then will take the balance from available LiveHealthy reward dollars.
The OTC allowance can only be used towards approved items with authorized retailers (see “How can I use my OTC allowance?” to find them).
LiveHealthy reward dollars are more flexible and can be used almost anywhere Visa is accepted* for almost anything, including groceries.
You can check your balance by logging into My Clover Member Portal and navigating to the Healthy Benefits+ site via “View My OTC Balance”.
Over-the-Counter (OTC) Allowance
Your OTC allowance balance resets every three months (January 1, April 1, July 1, October 1). Your quarterly allowance amount depends on your plan.
LiveHealthy Rewards
Members can earn up to $400 reward dollars* each year by completing healthy activities. See LiveHealthy page for more details.
You can shop with your OTC allowance in three easy ways.
- Shop in store. Log into My Clover Member Portal and navigate to the Healthy Benefits+ site via “View my OTC Balance” to find both participating stores and approved OTC items. There are over 40 national retailers available including popular chains, plus local stores.
- Order online. Shop with Healthy Benefits+ via My Clover Member Portal or add your LiveHealthy Card to your walmart.com account.
- Shop via Phone. Call 1-800-607-2348 (TTY 711) to place your order.
Your One Pass® benefit gives you free access to gyms and fitness classes through the Premium Network. You can access as many gyms as you’d like that are in the network. Go to youronepass.com to get your One Pass® member code and find gyms in the Premium Network.
You’ll complete and submit a consent for PHI sharing form. This allows Clover to share your Protected Health Information (PHI) with them.
Welcome to
Clover Health
Let’s Get Started
Let’s Get Started
Getting Started
Before your coverage starts, you’ll receive:
- Clover Member ID card
- Clover Flex Plus card
- Welcome Kit
- Over-the-Counter and Extras User Guide
Know Your Costs
- Summary of Benefits: Highlights of what your plan covers and costs
- Evidence of Coverage: Full details of what your plan covers and costs
- View your plan documents
First 30 Days
- Update your insurance information with health providers
- Activate your Clover Flex Plus card
Get your One Pass® member code, use your fitness benefits, earn $30 reward dollars* - Shop using your first quarterly over-the-counter allowance
- Complete the 2027 Getting To Know You (Health Assessment) Survey and earn $80 reward dollars*
First 60 Days
- Complete a LiveHealthy Visit and collect $150 reward dollars*
- Call us first at 1-800-607-2348 (TTY 711)* for your required consult, and we will get you scheduled
- Sign up for prescription mail order. Your $0 copay may allow for a 100-day supply
- Shop using your first quarterly over-the-counter allowance
- Attend a Member Event
First 90 Days
- Schedule your dental, vision, and hearing exam
- Register for the My Clover Member Portal
Attend a Member Webinar
Sign up for a webinar to learn more about your benefits. We also hold in-person events.
Bonus: You can earn $30 reward dollars*† for attending.
*LiveHealthy rewards may not be used to purchase alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details.
†You can earn a maximum of $30 in reward dollars per quarter by completing "get active" activities.
$30 LiveHealthy rewards per quarter for one of the following activities: Attend a One Pass® gym or class, or a Clover member event – either virtually or in-person.
‡Payment will take up to 45 days for any rewards related to One Pass® activity.
Frequently Asked Questions
You'll receive your:
- Member ID card
- Clover Flex Plus card
- Welcome Kit
- Extras User Guide
Follow these 4 easy steps.
- Go to ‘My Clover’
- Click the ‘Register’ button
- Or if you have already registered, you will log in with your username and password
- Enter your Member ID, birth date, and ZIP code
- Click ‘Next’ at the bottom of the page
- Create a username and password
- Add two security questions and answers
- View or print your ID cards
- Look up claims
- Check your OTC and LiveHealthy Rewards balance
- Chat with a customer service agent online
- And much more
- Go to My Clover Member Portal
- Click “Request an ID Card” located on the upper left
- Click “Print” to print your card
Clover Health Member Services
Phone: 1-888-778-1478 (TTY 711)*
Email: membersupport@cloverhealth.com
Optum Rx (Prescriptions
Phone: 1-877-601-7163 (TTY 711)
7 days a week, 24 hours a day
NationsBenefits (Dental and Vision
Phone: 1-844-994-9561
TruHearing
Phone: 1-855-205-5570
One Pass® (Fitness)
Phone: 1-877-504-6830
Use your Clover Flex Plus card when shopping for OTC items, spending rewards, or accessing covered dental and vision care. Simply show it at checkout. It also serves as your Dental and Vision ID card.
The OTC allowance can only be used towards approved items with authorized retailers. LiveHealthy reward dollars are more flexible and can be used almost anywhere Mastercard is accepted* for almost anything, including groceries.
You can check your balance by logging into My Clover Member Portal and navigating to the Healthy Benefits+ site via “View My OTC Balance”.
Over-the-Counter (OTC) Allowance
Your OTC allowance balance resets every three months (January 1, April 1, July 1, October 1). Your quarterly allowance amount depends on your plan.
LiveHealthy Rewards
Members can earn up to $400 reward dollars* each year by completing healthy activities. See LiveHealthy page for more details.
Dental Allowance
Your dental allowance is loaded onto the card at the start of each year.
You can shop with your OTC allowance in three easy ways.
- Shop in store. Log into My Clover Member Portal or download the Benefits Pro app to find both participating stores and approved OTC items. There are over 40 national retailers available including popular chains, plus local stores.
- Order online. Shop with the Benefits Pro app, via My Clover Member Portal, or add your Clover Flex Plus card to your walmart.com account.
- Shop via Phone. Call 1-800-607-2348 (TTY 711) to place your order.
Your One Pass® benefit gives you free access to gyms and fitness classes through the Premium Network. You can access as many gyms as you’d like that are in the network. Go to youronepass.com to get your One Pass® member code and find gyms in the Premium Network.
You’ll complete and submit a consent for PHI sharing form. This allows Clover to share your Protected Health Information (PHI) with them.