LiveHealthy Visit
Visit a doctor or nurse practitioner, in person or online, to go over your health and medicines.
2026 Clover LiveHealthy Rewards Program
Earn up to $400 Reward Dollars Through Health-Related Activities
At Clover Health, we believe you should be rewarded for healthy activities. That’s why every Clover Medicare Advantage plan includes the LiveHealthy Rewards program, which gives Clover members up to $400 reward dollars a year. These reward dollars can be spent on almost anything, like groceries and clothes.†
Once activities are completed, we load the reward dollars onto a LiveHealthy Flex Visa card making it easy to spend. The card can be used at most places where Visa is accepted.†
2026 Clover LiveHealthy Rewards Program
Earn up to $400 Reward Dollars Through Health-Related Activities
At Clover Health, we believe you should be rewarded for healthy activities. That’s why every Clover Medicare Advantage plan includes the LiveHealthy Rewards program, which gives Clover members up to $400 reward dollars a year. These reward dollars can be spent on almost anything, like groceries and clothes.†
Once activities are completed, we load the reward dollars onto a LiveHealthy Flex Visa card making it easy to spend. The card can be used at most places where Visa is accepted.†
Information at your fingertips
Looking to become a Clover member:
You can find the plans in your area by visiting cloverhealth.com/plans. You can also call 1-800-607-2348 (TTY 711), 8am to 8pm local time, 7 days a week*
You can also learn more in our helpful LiveHealthy Rewards Frequently Asked Questions section.
The differences between the LiveHealthy Rewards and OTC benefit
LiveHealthy Rewards Program
OTC Benefit
What's the difference between the OTC benefit and LiveHealthy Rewards program?
Let's members earn reward dollars by completing activities that promote good health. You can even do some activities without leaving your home. And you can spend your reward dollars on just about any products or services! †
Gives members an allowance each quarter that allows you to purchase commonly used healthy items such as vitamins, band-aids, toothpaste, and aspirin.
How much money?
Up to $400 reward dollars per year.
$50–$170 per quarter
(Up to $200–$680 per year)
The amount varies by plan.
Are there any time limits to use the funds?
No quarterly restrictions
Must use within allocated quarter
(Jan.-March, April-June, July-Sept., Oct.-Dec.)
When are the funds loaded onto the card?
Earned reward dollars are loaded after completion of the reward requirement. (Load time may vary based on verification of reward completion.)
OTC dollars will be loaded onto the Flex Card at the beginning of each quarter.
Is there a limit on what I can use the card on?
No, you can use reward dollars on most items (grocery, transportation, etc.) except alcohol, tobacco and firearms.†
Yes, you must purchase OTC items from an approved list.
What if I spend more than what is on the card?
If you exceed your reward dollars on the card, you will be responsible for overage.
If you go over your quarterly amount and have reward dollars on the card, the overage will be covered by your Rewards dollars. If you do not have the reward dollars, you will be responsible for the overage.
Can the funds be converted to Cash?
No
No
What's the difference between the OTC benefit and LiveHealthy Rewards program?
LiveHealthy Rewards Program
Let's members earn reward dollars by completing activities that promote good health. You can even do some activities without leaving your home. And you can spend your reward dollars on just about any products or services! †
OTC Benefit
Gives members an allowance each quarter that allows you to purchase commonly used healthy items such as vitamins, band-aids, toothpaste, and aspirin.
How much money?
LiveHealthy Rewards Program
Up to $400 reward dollars per year.
OTC Benefit
$50–$170 per quarter
(Up to $200–$680 per year)
The amount varies by plan.
Are there any time limits to use the funds?
LiveHealthy Rewards Program
No quarterly restrictions
OTC Benefit
Must use within allocated quarter
(Jan.-March, April-June, July-Sept., Oct.-Dec.)
When are the funds loaded onto the card?
LiveHealthy Rewards Program
Earned reward dollars are loaded after completion of the reward requirement. (Load time may vary based on verification of reward completion.)
OTC Benefit
OTC dollars will be loaded onto the Flex Card at the beginning of each quarter.
Is there a limit on what I can use the card on?
LiveHealthy Rewards Program
No, you can use reward dollars on most items (grocery, transportation, etc.) except alcohol, tobacco and firearms.†
OTC Benefit
Yes, you must purchase OTC items from an approved list.
What if I spend more than what is on the card?
LiveHealthy Rewards Program
If you exceed your reward dollars on the card, you will be responsible for overage.
OTC Benefit
If you go over your quarterly amount and have reward dollars on the card, the overage will be covered by your Rewards dollars. If you do not have the reward dollars, you will be responsible for the overage.
Can the funds be converted to Cash?
LiveHealthy Rewards Program
No
OTC Benefit
No
†LiveHealthy Rewards dollars may not be used to purchase alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details.
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LiveHealthy Rewards
Clover Health rewards you for completing healthy activities. Members can participate and earn up to $400 Reward Dollars to spend on everyday essentials like groceries, clothes, and more.
Getting to Know You (GTKY) Survey
Tell us about your health needs for better, more personalized care.
Get Active
Earn reward dollars for going to a One Pass® gym, taking a One Pass® fitness class or attending a Clover member event.
Member Portal Registration
Log into the My Clover member portal and stay on top of your health coverage.
Your Vaccines
Stay up to date with select vaccines and earn reward dollars.
Clover Flex Plus Card
Your reward dollars land here. Use it at most places Mastercard is accepted.
View Plans Available in Your Area
Select a 2027 plan and earn reward dollars.
Spend Your Reward Dollars on What You Love
Groceries
Clothing
Utility bills
Restaurants
Reward dollars land on your LiveHealthy Flex Plus card automatically. Spend them at most places where Mastercard is accepted. Restrictions apply.**
†This reward can only be earned one-time only during your entire time as a member and will be earned on 1/1/2027 for activities completed in 2026.
**LiveHealthy Rewards dollars may not be used to purchase alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details.