Clover Health Medicare Review (2026)
Comprehensive review of Clover Health Medicare plans including coverage options, ratings, pros and cons, and how they compare to other carriers.
CMS Star Rating
3.5
States Served
8
MA Members
85K
Founded
2014
InsureRocket Rating
Clover Health Overview
Clover Health is a technology company using its proprietary Clover Assistant platform to improve clinical decision-making for Medicare Advantage members. Founded in 2014 and publicly traded since 2021, Clover takes a unique approach by focusing on empowering physicians with AI-driven clinical insights rather than building traditional insurance infrastructure.
Clover Health Medicare Plans
Clover Health offers Medicare Advantage HMO and PPO plans with integrated Part D prescription drug coverage. Plans commonly include $0 premiums, dental and vision benefits, hearing coverage, over-the-counter allowances, fitness programs, and telehealth access. Their PPO plans provide flexibility to see out-of-network providers at higher cost-sharing.
Plans Offered:
Coverage Areas
Clover Health Medicare Advantage plans are available in select counties across 8 states including New Jersey, Georgia, Arizona, South Carolina, Mississippi, Tennessee, Texas, and Pennsylvania.
Official Resources
- Clover Health — Medicare Advantage— Official carrier site
- Medicare.gov — Plan Finder Tool— Compare Clover Health plans in your zip code
- CMS.gov — 2026 Medicare Star Ratings— Verify Clover Health's contract-level ratings
- SHIP — Free Medicare Counseling— Unbiased help comparing Clover Health to local alternatives
Pros and Cons
Strengths
- AI-powered Clover Assistant for physicians
- Focus on primary care improvement
- Technology-driven approach
- PPO plan options
Weaknesses
- Limited to 8 states
- Publicly traded with financial scrutiny
- Smaller provider networks
- Still proving profitability
Compare Other Insurance Companies
Related Guides
Frequently Asked Questions
Is Clover Health a good Medicare insurance company?
Clover Health has a CMS star rating of 3.5 out of 5. Key strengths include AI-powered Clover Assistant for physicians, Focus on primary care improvement, Technology-driven approach. However, some limitations include Limited to 8 states and Publicly traded with financial scrutiny. The best plan depends on your specific healthcare needs and location.
What Medicare plans does Clover Health offer?
Clover Health offers the following Medicare products: Medicare Advantage HMO, Medicare Advantage PPO. Plan availability varies by county, so check Clover Health's website or Medicare.gov to see what is available in your area.
How many states does Clover Health serve?
Clover Health Medicare plans are available in approximately 8 states. Coverage areas and plan options vary by county within each state.
How do I enroll in a Clover Health Medicare plan?
You can enroll in Clover Health Medicare plans during the Initial Enrollment Period (around your 65th birthday), the Annual Enrollment Period (October 15 - December 7), or during a Special Enrollment Period. Enroll through Medicare.gov, by contacting Clover Health directly, or through a licensed insurance agent.
Disclaimer: Plan availability, benefits, and premiums vary by location. Contact Medicare.gov or 1-800-MEDICARE for complete information. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.