What to know about Clover Health Medicare plans

How Clover Health approaches Medicare

Clover Health presents a unique approach to Medicare coverage. This company offers private health plans for people who already have Medicare.

Understanding Original Medicare basics

Under Traditional Medicare, Part A handles hospital care while Part B covers doctors. Standard rates apply to services within this structure. Wherever you live in the country, you can see a doctor, hospital or other provider as long as they take Medicare patients. To get Part D drug coverage, you need to enroll in a separate private plan and pay an additional premium.

Medigap insurance is available to help cover some or most out-of-pocket costs for hospital services (Part A) and doctor visits (Part B). This option allows you to keep your Original Medicare while adding extra financial protection. It is a different path from joining a private health plan.

What are Medicare Advantage plans

Medicare health plans provide an alternative to Original Medicare for receiving Part A and Part B benefits. People who hold Part A and Part B can sign up for a Medicare Advantage Plan. Part C or an MA plan are other names for this type of coverage. Private companies that are Medicare-approved offer these plans and must adhere to rules set by Medicare.

Part D drug coverage is included in most Medicare Advantage Plans. This means you might get medical and prescription drug benefits in one package. You have several plan types to select from, such as Medicare Advantage Plans. Not all Medicare health plans are Medicare Advantage Plans, yet they remain part of Medicare.

Checking availability in your area

The Clover plans displayed depend on your ZIP code. Input your ZIP code to view plans offered in your county. Insurance companies choose whether a plan is open to all Medicare holders in a state or limited to specific counties. In a single area, insurance companies might provide multiple plans featuring varied benefits and costs.

Let's determine whether Clover fits your needs. You should check the specific options in your location. Plans and benefits vary by area, so local details matter. If you did not mean to leave their site, select Cancel upon redirection.

Key checks before choosing

Discuss their rules with your employer, union, or other benefits administrator before signing up for a Medicare Advantage Plan. Signing up for a Medicare Advantage Plan could result in losing employer or union coverage in certain situations. Losing employer or union coverage for yourself might also mean losing coverage for your spouse and dependents.

Getting this coverage back may be impossible. Reviewing your options now is crucial to ensure you keep the Medicare health and drug coverage you prefer.

Common questions

Last reviewed October 2026. Rules and prices can change; check the sources below for the official details.