Clover Health OTC 2027: Flex Plus Card, Allowance and Balance
Reviewed October 23, 2026. Clover Health’s 2027 OTC benefit is a quarterly allowance for over-the-counter health items, loaded on the Clover Flex Plus card along with LiveHealthy Rewards. For 2027 the allowance runs from $25 to $145 per quarter depending on the plan, unused money expires at the end of each quarter, and the OTC vendor changes from Healthy Benefits to NationsBenefits, with a new website (Clover.NationsBenefits.com) that opens January 1, 2027.
Quick answer: Spend your Clover OTC allowance at participating stores such as CVS, Walgreens and Walmart, or order from the OTC catalog. Check your balance by signing in to the My Clover member portal and choosing “View My OTC Balance,” which takes you to the Healthy Benefits+ site. Balances reset January 1, April 1, July 1 and October 1.
How the Clover Health OTC allowance works
| Feature | 2026 | 2027 |
|---|---|---|
| Card name | LiveHealthy Flex Plus card (Visa) | Clover Flex Plus card |
| OTC allowance | $50 to $180 per quarter, depending on plan | $25 to $145 per quarter, depending on plan |
| How often it loads | Quarterly: January 1, April 1, July 1, October 1 | Quarterly |
| Rollover | None; use your balance by the end of each quarter | None stated; use it by the end of the quarter |
| App | Healthy Benefits+ app (store finder and item scanner) | Benefits Pro app (item scanner) |
| OTC vendor and phone | Healthy Benefits, 1-800-607-2348 | NationsBenefits, 1-844-994-9561 |
| Balance | My Clover portal, “View My OTC Balance” | My Clover portal or Clover.NationsBenefits.com (from January 1, 2027) |
The same card also holds LiveHealthy Rewards. Clover says approved OTC purchases come out of your OTC balance first, then from your reward dollars. Source: Clover Health: Supplemental benefits.
Plan example: how much is the Clover OTC allowance?
Amounts depend on your plan. One example from Clover’s own plan pages:
- Clover Health Choice Value PPO (H5141-007), 2026: $170 per quarter OTC allowance, plus a $2,500 yearly dental allowance, a $200 yearly eyewear allowance and $0 in-network routine dental, vision and hearing exams.
- Clover Health Choice Value PPO (007), 2027: $145 per quarter OTC allowance, $2,500 dental and $300 eyewear.
- Clover Health Choice (PPO) (004), New Jersey: $110 per quarter OTC allowance in 2026, falling to $75 per quarter in 2027, according to the plan’s 2027 Annual Notice of Change.
Your exact amount is in your plan’s Summary of Benefits and Evidence of Coverage. Clover’s 2027 plans cover 203 counties in five states, and Clover says every plan includes dental, vision, OTC and gym benefits.
Clover Health OTC login and balance check
To see your balance:
- Sign in to the My Clover member portal at my.cloverhealth.com.
- Click “View My OTC Balance.” You’ll be taken to the Healthy Benefits+ site, where you can see what’s left this quarter.
- Or use the app: Healthy Benefits+ in 2026, Benefits Pro for 2027. Both let you find stores and scan items to see if they’re covered.
For general questions, call Clover Member Services at 1-888-778-1478 (TTY 711), 8 a.m. to 8 p.m., 7 days a week. For OTC orders by phone, Clover lists 1-800-607-2348 (TTY 711). Our guides to checking any OTC card balance and OTC benefits login cover other plans.
New for 2027: NationsBenefits runs Clover OTC, dental and vision
Clover’s 2027 Annual Notice of Change documents list NationsBenefits as the 2027 vendor for OTC (replacing Healthy Benefits), and also for dental and vision (replacing DentaQuest and EyeQuest). For 2027 OTC questions, the ANOC lists NationsBenefits at 1-844-994-9561 and the website Clover.NationsBenefits.com, with website access beginning January 1, 2027. Until then, keep using your 2026 card and the Healthy Benefits+ site for your current balance. Source: 2027 ANOC, Clover Health Choice (PPO) 004.
Where to use your Clover OTC card
You can buy approved OTC items at participating retail locations. Clover names CVS, Walgreens and Walmart, and suggests store brands to stretch your allowance. Walmart also has an online OTC benefits shopping page. At checkout, pay with your card; eligible items are paid from your allowance and anything else needs another payment method. See our guide to using OTC benefits at Walmart.
The Clover Health OTC catalog (2026)
Clover publishes a 2026 Over the Counter Item Catalog and a LiveHealthy Catalog listing approved items. You can order by mail or online through Clover’s partner company; Clover says orders take 7 to 10 business days to arrive. Typical OTC categories include:
- Pain relievers, cold and allergy medicine
- Vitamins and supplements
- Dental care and denture products
- First-aid supplies
- Incontinence products
The catalog for your plan year is the final word on what’s eligible, so check it before you shop.
What happened to Healthy Benefits Plus and Grocery Plus?
Older Clover materials called the card the “Healthy Benefits Plus” card and described a Grocery Plus benefit. For 2026, Clover’s member pages describe the LiveHealthy Flex Plus card, with the Healthy Benefits+ site and app used to check balances. Food benefits in Medicare Advantage are usually limited to members who meet chronic-illness rules, so check your Evidence of Coverage before assuming your card covers groceries. Our guide to the Medicare food allowance explains who qualifies.
Comparing plans for 2027
Clover’s OTC range drops to $25 to $145 per quarter in 2027, and the Choice Value PPO example falls from $170 to $145 per quarter. During Medicare Open Enrollment (October 15 to December 7, 2026), check your Annual Notice of Change and compare doctors, drugs and the out-of-pocket maximum first. See how to find Medicare Advantage plans with OTC benefits and Medicare OTC cards explained.
Frequently asked questions
How much is the Clover Health OTC allowance?
$25 to $145 per quarter in 2027 and $50 to $180 per quarter in 2026, depending on your plan. For example, Clover Health Choice Value PPO (H5141-007) goes from $170 per quarter in 2026 to $145 in 2027, and Clover Health Choice (PPO) 004 goes from $110 to $75.
How do I check my Clover Health OTC balance?
Sign in at my.cloverhealth.com and click “View My OTC Balance,” or use the Healthy Benefits+ app (Benefits Pro for 2027).
Does the Clover OTC allowance roll over?
No. Use your full balance by the end of each quarter; it resets January 1, April 1, July 1 and October 1.
Can I use my Clover OTC card at Walmart?
Yes, Clover names Walmart, CVS and Walgreens as places to buy approved OTC items. Check the app’s store finder for participating locations.
Is there a Clover Health OTC catalog for 2026?
Yes. Clover links a 2026 Over the Counter Item Catalog and a LiveHealthy Catalog from its member pages.
Who runs the Clover OTC benefit in 2027?
NationsBenefits, according to Clover’s 2027 Annual Notice of Change. Its Clover line is 1-844-994-9561 and the website Clover.NationsBenefits.com opens January 1, 2027.
This article is general information. Medicare365 is not affiliated with or endorsed by Clover Health or any U.S. government agency. Benefits vary by plan and county; check your plan’s Evidence of Coverage or call Clover Member Services.
Sources
- Clover Health: Supplemental benefits
- Clover Health: Over-the-counter benefits
- Clover Health: Member welcome and phone numbers
- Clover Health: Choice Value PPO (007) 2026
- Clover Health: Choice Value PPO (007) 2027
- Clover Health: 2027 ANOC, Clover Health Choice (PPO) 004
- Clover Health: 2027 OTC and LiveHealthy Rewards quick reference guide
- Medicare.gov: Understanding Medicare Advantage Plans