Clover Health Medicare Advantage 2024-2025 Review: Pros & Cons

Clover Health Medicare Advantage pros and cons

Our full review

Clover Health Medicare star ratings

Average star rating, weighted by enrollment: 3.98

Clover Health Medicare Advantage plans are rated on par with the industry average, receiving an average rating of 3.98 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment^[0]

For comparison, the average weighted star rating for plans from all providers is 3.92^[0]

Of Clover Health members who are in Medicare Advantage plans with a star rating, 96% are in plans that have been rated 4 stars or above for 2025.

CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does Clover Health Medicare Advantage cost?

In 2025, slightly more than half (56%) of Clover Health Medicare Advantage plans with prescription drug coverage have a $0 premium^[0]

You'll also be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 ($185 in 2025). (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

• Whether the plan covers any part of your monthly Medicare Part B premium.

• The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

• Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

• The plan’s in-network and out-of-network out-of-pocket maximums.

• Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

• Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Clover Health plans or compare across carriers.

Available Medicare Advantage plans

Clover Health offers mostly PPO Medicare Advantage plans, but also offers some HMO plans. About two thirds (68%) of Clover Health Medicare Advantage plans include prescription drug coverage.

Plan offerings include the following types:

Clover Health Medicare Advantage service area

Clover Health offers Medicare Advantage plans in five states: Georgia, New Jersey, Pennsylvania, South Carolina and Texas.

Clover Health covers just over 80,000 Medicare Advantage beneficiaries^[0]