Clover Health 2026 Plan
Classic HMO (002)
Medical & Rx drug coverage
An all-in-one plan that includes prescription drug coverage, no Part D deductible and $0 to low copays. Plus, allowances for dental, eyewear and OTC items.
Monthly Premium
$0
Primary Care Visit
$0
Maximum Out-of-Pocket
$6,000
General Costs
Monthly premium
$0
Medical deductible
$0
Maximum out-of-pocket
$6,000 in-network
Cost to See Your Doctor
In-Network
Out-of-Network
Primary Care visits
$0
Specialist visits
$10
Hospital Costs
In-Network
Out-of-Network
Inpatient hospital (days 1-6)
$300
Emergency care
$130
Urgent care
$25
Outpatient labs (Labcorp or Quest)
$0
Prescription Costs
Prices are for a 30-day supply from an in-network pharmacy.
Part D deductible
$0 All Drugs
Tier 1
$0
Tier 2
$0
Tier 3
$45
Tier 4
$100
Tier 5
33%
Extra Benefits and Services
Clover plans include these important benefits and services. Original Medicare doesn't.
Part B Giveback (monthly)
Not included
Fitness benefit
Included
OTC allowance (quarterly)
$100
Routine dental, vision, & hearing exams
$0 in-network
Worldwide Coverage
Included
LiveHealthy Rewards
$400
Dental allowance (yearly)
$1,250
Eyewear allowance (yearly)
$200
General Costs
Monthly premium
$0
Medical deductible
$0
Maximum out-of-pocket
$6,000 in-network
Cost to See Your Doctor
In-Network
Out-of-Network
Primary Care visits
$0
Specialist visits
$10
Hospital Costs
In-Network
Out-of-Network
Inpatient hospital (days 1-6)
$300
Emergency care
$130
Urgent care
$25
Outpatient labs (Labcorp or Quest)
$0
Prescription Costs
Prices are for a 30-day supply from an in-network pharmacy.
Part D deductible
$0 All Drugs
Tier 1
$0
Tier 2
$0
Tier 3
$45
Tier 4
$100
Tier 5
33%
Extra Benefits and Services
Clover plans include these important benefits and services. Original Medicare doesn't.
Part B Giveback (monthly)
Not included
Fitness benefit
Included
OTC allowance (quarterly)
$100
Routine dental, vision, & hearing exams
$0 in-network
Worldwide Coverage
Included
LiveHealthy Rewards
$400
Dental allowance (yearly)
$1,250
Eyewear allowance (yearly)
$200
Ready to become a Clover member?
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