Clover Health Reviews - What Is It?
WARNING: DO NOT BUY Clover Health Until You Read This Review!
Is it a Scam? Does It Really Work?
Clover Health is Preferred Provider Organization (PPO) and a technology company that offers simple Medicare Advantage plans in combination with essentials, which are different from these provided by Original Medicare. This involves coverage for doctors' visits (out-of-network doctors, in-network doctors, and specialists without referrals), hospital stays, prescription drugs, low premiums and copays and an annual out-of-pocket maximum. Clover members have access to such additional services as scheduling appointments, assistance finding a pharmacy or doctor, and arranging transportation, 24/7 doctor visits by phone, video, or mobile app; medication reminders, and access to a pharmacy via mail-order (with 100-day refills). Is Clover Health the right plan for you? This question needs to be answered further but let's take a look at the fundamentals first.
Clover Health is a private company contracted with Medicare to provide their Advantage Plans to their clients. This open-network PPO has created a network of participating providers who can be used by ordinary people. These include hospitals, doctors, and providers. The specialists outside of the network can be used for an additional cost. The company has higher monthly premiums in addition to the chance that members can use in-network and out-of-network providers. At present, Clover offers their Medicare Advantage plans to people in eighteen counties across four states: Texas: Bexar County New Jersey: Bergen, Atlantic, Burlington, Essex, Cumberland, Gloucester, Mercer, Hudson, Middlesex, Morris, Monmouth, Ocean, Somerset, Passaic, and Union counties; Georgia: Chatham County; Pennsylvania: Bucks County. The annual enrollment period runs from October 15 to December 7, or the disenrollment period from January 7 until February 15. Let's take a look at what exactly Clover Health provides.
Customer Reviews - Does Clover Health Really Work?
There are many customer reviews about Clover Health on third-party websites, and the majority of them have a positive character. The members of the company are pleased with the variety of programs offered. The company offers insurance plans depending on such factors as your state of health, your age, and the services you need (as well as how often you need them). In some instances, you might be required to meet specific pre-authorization criteria before a prescription medication is covered. Dental benefits may include two annual oral examinations and teeth cleanings, as well as one dental x-ray. One routine vision examination is covered per year. The company offers its members access to two hearing aids, one Routine Hearing Exam per year, and three provider visits of receiving your aid. The prescription benefit plan is administered through CVS Caremark, offering you the ability to order refills by phone or online, and get orders through the mail. The company has partnered with Teladoc for telemedicine services. Silver Sneakers program offers free access to a network of gyms for nutritional counseling, different activities, and fitness programs. Hello to Healthy rewards program provides members with gift cards for them to be able to stay up-to-date on their health. You can find full information about each of these plans in the corresponding sections of their official website.
Clover Health was founded in 2012 by board members Kris Gale and Vivek Garipalli as a healthcare technology company that deals with collecting specific data and using it in the process known as ‘predictive analytics’. The company intends to improve the health of their members at lower costs. The company is headquartered in San Francisco, CA with offices in Jersey City, NJ. Due to being so long in business, though, Clover has direct online member feedback. Based on the customer reviews, the staff at this facility are helpful and friendly. If you have a question you can ask it in person by talk to the members of the staff. They do their best to help their clients. The facilities are clean. In addition, Clover provides a wide variety of activities for their residents including beano and bingo games. Their residents are often taken to and from movies and plays. Musicians also come into to play for them. The residents can get their hair styled and get manicures and pedicures once a week. The food is always tasty and everyone is provided with such a delicacy as lobster once in a while. The building consists of separate wards for various needs. There are regular living apartments full nursing ward, and a dementia and Alzheimer's ward. There is an ambulance service and a fire rescue station located not far from the building. Almost all residents speak highly of the staff members and the facility itself. Let us take a look at the actual customers' testimonials about Clover Health.
"I visited Clover Health when I needed to have an interview. I looked around the facility and found out that the place was alright. I was treated carefully and the rooms were good and clean. I appreciated the fact that they do the cooking and serve the meals three times a day. The people there do not have to do the cooking on their own. It would be a great idea to set up an appointment with an individual by inviting them for a meal. It would give the person more insight to what is offered for eating."
"I do recommend Clover Health to any senior. This agency is really a clean community. The staff very responsible and take care of each of their residents. My father has an actual apartment-type room which is of good size. It has a living room combined with a kitchen where he can coo some food, a large walk-in closet, a bedroom with a closet, and a bathroom. There is maintenance service in the agency, so they take care of whatever you may need to be done. The building is located in a nice place. They have plenty of activities for the residents. The services are reasonably priced."
"I am generally satisfied with Clover Health except for some minor things. I am in their rehab facility. There are such activities as bingo and diverse games for you to play. They also invite some entertaining musicians to come in. I like the food they cook. The rooms are well-sized. I like everyone from the staff. These are very responsive people who will always listen to you if you need help. The only thing that falls back about this facility is that they are short staffed there. I would recommend it to those who can afford getting good care. It is a nice place."
My Final Summary
Summing up everything, Clover Health seems to be a worthy health-care facility. At present, it does not have any competition but considering the fast growth of financial-related and insurance technology, it is likely to get some competition really soon. They offer great service, based on the customer feedback. The clients are satisfied with the location, rooms, services, entertainment, food, and the staff. The staff is well-trained and very caring for all of their patients. The Activities Department is responsible for including the Alzheimer's patients to the activities. If you are looking for a good Medicare Advantage PPO plan, you are advised to address Clover Health. I would recommend this facility to those whose family members need care and medical help.
Clover Health Pricing and Rates
As with any coverage, what you will pay for a Clover policy depends on different factors. The FAQ section on the official website explains that some plans are fully paid by Medicare, funded by the money you pay in your Part B premium directly to Medicare or are paid by the taxes you have paid while working. Some plans require paying a monthly premium beside the funds Medicare has prepared for you, in exchange for lower cost for services and better benefits. If you have any pricing or coverage questions, you can reach a member of Clover's Enrollment Team by calling at 888-781-3235 between 8 am and 8 pm ET, seven days a week.