Clover Health OTC catalog 2024
The Clover Health OTC catalog 2024 provides members with numerous choices to help them get the most out of their OTC benefit. Members of Clover Health MAPD plans have the added benefit of the LiveHealthy Rewards Program.
To get started with your Clover benefits, just go to the clover member site and register for your My Clover account. From there, you can check your reward status as well as your OTC benefit balance, shop online or find a local, participating store and much more. Clover plan members can access both their OTC and LiveHealthy rewards benefits with their LiveHealthy Flex Plus card.
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OTC catalog benefits:
Clover provides all MAPD plan members with a quarterly OTC benefit allowance of between $30 and $75 (amount depends on the plan benefit). At the beginning of each quarter, OTC and LiveHealthy rewards dollars are loaded onto the Live Healthy Flex Plus card automatically.
OTC Benefit amounts do not roll over to the next quarter. Plan members must use the benefits before the end of each quarter. Cards are only valid at participating merchants for approved items.
To download o copy of the OTC catalog and how to use this benefit, Click here
Download the Clover OTC benefit and live healthy rewards guide
Existing Clover members:
Existing plan members will not receive a new LiveHealthy Visa Flex Plus card. Their current card will have OTC as well as LiveHealthy rewards loaded onto it. Any unused Livehealthy dollars roll over from 2023 to 2024.
If you need a replacement card, you can either order one online at cloverhealth.com/livehealthy or call 1-800-607-2348 (TTY711) 8:00 AM – 8:00PM, local time 7 days a week.
LiveHealthy Rewards:
Members who complete the following activities earn rewards.
1. Earn $100 per year to complete the “Getting to Know You Survey”. This survey is a modified health risk assessment. Each member can complete the survey online, over the phone with member services or by filling out the paper form included in your welcome kit. Rewards are loaded onto the card 3-5 business days after survey is complete. Rewards are not available to spend until after the plan start date. Member may complete a survey each year to earn rewards.
Brokers please note; if you help a new member fill out the online survey within 72 hours of submitting the application earn $50.
To learn more about HRAs, click here.
2. Members earn up to $50 annually for preventative care. This includes $10 for receiving a flu vaccine, $20 for an A1C test and $20 for a retinal eye exam. Clover validates completion through claim or by self-attestation for flu vaccine. Clover loads reward dollars 3-5 business days after they receive the claim.
3. Complete a LiveHealthy visit to earn $150 annually. Members call the phone number on the back of the LiveHealthy Flex Plus Visa card to set up the appointment. The appointment takes place either in the office of a provider, in-home or via telehealth visit. members are eligible to complete a Livehealthy visit each year. Benefits are loaded onto the card within 3-5 business days after claim is received. Please note: providers have up to 90 days to submit the claim.
4. Get Active rewards are worth $25 per quarter ($100 per year). Member must participate in one of the following to earn rewards: SilverSneakers gym or class, either virtual or in-person. Attend a Clover sponsored event or Clover poll. Log into the Clover member portal at least 1 time per year. Clover confirms member participation and rewards dollars are loaded 3-5 business days.
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The difference between the OTC benefit and LiveHealthy Rewards:
OTC benefits provide plan members a monthly allowance to purchase common health care items while members earn Live Healthy rewards by completing activities that promote good health.
The annual OTC benefit amount is between $120 and $300 per year while members can earn up to $400 in Healthy rewards benefits annually.
While there are restrictions on what members can purchase with the OTC card, members can use Rewards dollars to purchase of most items with the exception of alcohol, tobacco and firearms. Members who go over the OTC limit, can use rewards dollars to complete the purchase if they are available. Any purchase in excess of the Rewards dollar is the responsibility of the member.
Important: Members may not use LiveHealthy Rewards dollars to purchase alcohol, tobacco products, or firearms. Rewards are not redeemable for cash. Some other limitations apply, members should check with Clover member services for more information.