Clover Health Medicare Advantage 2027: Dental, Vision, Hearing, Gym and Flex Card

Reviewed November 7, 2026. Clover Health Medicare Advantage plans for 2027 include dental, vision, hearing, fitness and a Clover Flex Plus card for over-the-counter items, and Clover says its 2027 plans are sold in 203 counties in Georgia, New Jersey, Pennsylvania, South Carolina and Texas. For 2027, Clover moves its dental and vision benefits to NationsBenefits, keeps TruHearing for hearing aids and One Pass for fitness, and its PPO plans (contract H5141) earned 5 Stars from Medicare. Benefits vary by plan and county, so check your plan’s Evidence of Coverage.

Quick answer: To find Clover Health dental providers for 2027, use the NationsBenefits dentist search at Clover.NationsBenefits.com/Dental or call 1-844-994-9561. In the New Jersey plans we checked, preventive dental is $0 in network, the yearly dental maximum is $500 to $2,500 depending on the plan, eyewear allowances are $200 to $300, and the OTC allowance is $25 to $145 per quarter.

Clover Health Medicare Advantage in 2027 at a glance

Sources: Clover Health 2027 plans announcement (October 1, 2026), Clover Health 2027 Star Ratings release (October 8, 2026) and Clover Health supplemental benefits. Clover says CMS rated the PPO 5 Stars after removing 20 measures tied to a court decision that is under appeal; with those measures, the rating would have been 4.5 Stars.

2026 vs 2027: four Clover New Jersey PPO plans compared

These figures come from Clover’s own 2027 and 2026 plan pages and Summaries of Benefits. Plans in Georgia, Pennsylvania, South Carolina and Texas have their own amounts, so look up your ZIP code on Clover’s site.

Several plans trade lower OTC or dental amounts for other changes in 2027, such as the larger Part B giveback on plan 054 or the higher dental maximum on plan 042. Read your 2027 Annual Notice of Change before Open Enrollment ends on December 7, 2026.

Clover Health dental for 2027

Clover’s 2027 Summaries of Benefits say “Clover Dental is powered by NationsBenefits.” In the New Jersey plans 004, 007 and 042, dental works like this:

• Preventive care, $0 in network: two exams, up to two cleanings and one set of X-rays a year.
• Comprehensive care: a $20 copay per service, such as fillings or extractions, with dentures at 50% coinsurance.
• Yearly maximum: the plan pays up to its dental maximum ($500 to $2,500 in the plans above); you pay costs above that.

How to find Clover Health dental providers

Because the dental network changes to NationsBenefits for 2027, a dentist who took your Clover plan through DentaQuest in 2026 may not be in network in 2027. Search Clover.NationsBenefits.com/Dental or call 1-844-994-9561, and confirm with the office before your appointment. For how Medicare Advantage dental compares across carriers, see Medicare Advantage dental coverage.

Clover Health vision for 2027

In plans 004, 007 and 042, the routine eye exam is $0 once a year. The eyewear allowance ($200 or $300, see the table) can be used once a year for glasses or contacts, in or out of network. A Medicare-covered eye exam (for an eye condition) has its own copay, for example $15 on plan 004 and $2 on plan 007. Clover’s 2027 vision vendor is NationsBenefits; search for Clover vision providers at Clover.NationsBenefits.com/Vision.

Clover Health hearing aids for 2027

Clover uses TruHearing. The routine hearing exam is $0, and hearing aids are a fixed copay per aid rather than an allowance: $499 for Standard, $699 for Advanced and $999 for Premium technology, up to two aids a year. Clover’s Summaries of Benefits list a $5,000 per-aid limit for non-TruHearing aids bought out of network. For how this compares with Original Medicare, see does Medicare cover hearing aids.

Clover Health gym membership: One Pass

Clover’s fitness benefit for 2027 is One Pass, not SilverSneakers. In network it’s $0 and includes a gym network, digital classes, brain training and at-home fitness kits. Clover’s Summaries of Benefits also list out-of-network reimbursement of up to $5 a month. Sign up at youronepass.com with your Clover member ID. Comparing fitness programs? See Silver&Fit vs SilverSneakers.

Clover Flex Plus card: OTC allowance and rewards

For 2027 the card is called the Clover Flex Plus card (it was the LiveHealthy Flex Plus card in 2026). Clover lists OTC amounts of $25 to $145 per quarter, down from $50 to $180 per quarter in 2026, and unused money expires at the end of each quarter. You check your balance at my.cloverhealth.com under “View My OTC Balance,” and you can use the Benefits Pro app or the NationsBenefits store finder to find participating stores. Clover also offers up to $400 in LiveHealthy Rewards for completing certain health activities. In the plans we reviewed, Clover does not list a healthy food or utility allowance. Full details are in our Clover Health OTC 2027 guide, and our OTC benefits card guide explains how these cards work in general.

Is Clover Health a good Medicare Advantage choice for 2027?

It depends on your doctors, drugs and budget. Clover’s PPO plans let you see out-of-network providers who accept Medicare, typically at higher cost, and the 5-Star rating is a strong quality signal for 2027. On the other hand, several 2027 plans lower their OTC and dental amounts, and the dental and vision networks change. Before you switch, check that your dentist and eye doctor are in the NationsBenefits network, compare the yearly out-of-pocket maximum and drug costs on Medicare Plan Finder, and compare other options in our best Medicare Advantage plans for 2027 guide.

Frequently asked questions

Does Clover Health cover dental?

Yes. In the 2027 New Jersey plans we checked, preventive dental is $0 in network and comprehensive services are $20 per service up to a yearly maximum of $500 to $2,500, depending on the plan.

Who are Clover Health’s dental providers in 2027?

Dentists in the NationsBenefits network. Search Clover.NationsBenefits.com/Dental or call 1-844-994-9561.

Who are Clover Health’s vision providers?

For 2027, NationsBenefits runs Clover vision (EyeQuest did in 2026). Search Clover.NationsBenefits.com/Vision.

Does Clover Health include a gym membership?

Yes. Clover plans include One Pass at $0 in network, with gym access, digital classes and home fitness kits.

What is Clover Health’s phone number?

Clover Member Services is 1-888-778-1478 (TTY 711), 8 a.m. to 8 p.m. local time, 7 days a week from October 1 to March 31 and Monday to Friday from April 1 to September 30.

What is Clover Health’s Star Rating for 2027?

Clover says its PPO plans (contract H5141) earned 5 Stars and its HMO 4.5 Stars for 2027. You can confirm ratings on Medicare Plan Finder.

This article is general information. Medicare365 is an independent website and is not affiliated with or endorsed by Clover Health, NationsBenefits, TruHearing, One Pass, Medicare or any government agency. Benefits vary by plan and county and can change each year; check your plan’s Evidence of Coverage or call Member Services.

Sources

• Clover Health: 2027 Medicare Advantage plans announcement (October 1, 2026)
• Clover Health: PPO plans earn 5-Star rating for 2027 (October 8, 2026)
• Clover Health: Supplemental benefits
• Clover Health: Choice (PPO) 004, 2027
• Clover Health: Choice Value (PPO) 007, 2027
• Clover Health: Choice Value (PPO) 042, 2027
• Clover Health: Choice Giveback (PPO) 054, 2027
• Clover Health: 2027 Summary of Benefits, plan 004 (PDF)
• Clover Health: 2027 Summary of Benefits, plan 007 (PDF)
• Clover Health: 2027 Summary of Benefits, plan 042 (PDF)
• Clover Health: New Jersey Medicare plans
• Medicare.gov: Medicare Plan Finder