The Best Medicare Advantage Plan For You in 2025 Could Be With Clover Health

During this 2025 Annual Enrollment Period (October 15 - December 7), it’s more important than ever to review upcoming changes to your Medicare Advantage plan to avoid a surprise. At Clover Health, we are committed to navigating through these changes while maintaining stability and improvement across our plan designs.

Choosing the right Medicare Advantage plan is a personal decision, and at Clover, we understand that. We don’t just strive to offer healthcare insurance with strong coverage and great benefits; we offer a plan that treats you like family, making sure you have the care you need when you need it. Let us tell you more about why you should consider a Clover Health Medicare Advantage Plan when you are shopping this year.
 

 

Our Story

From the start, we believed that healthcare was broken because it didn’t empower the right people. Clover was created to right this wrong and provide a better option for Medicare eligibles. Before we launched Clover in New Jersey, seniors had limited plans to choose from, and most restricted their choice of doctors. Clover was one of the first to launch PPO plans with similar in- and out-of-network cost sharing to ensure access to wide coverage care at a low cost. In fact, we were also one of the first PPO plans to offer a $0 copay for primary care. A few years ago, Clover introduced the LiveHealthy Rewards program - an incredibly flexible program that allows members to redeem their reward dollars for almost anything*. Just this month, Star Ratings were released and while they are declining across the country, Clover’s PPO was upgraded to 4 Stars.

We have been a pioneer in raising the bar for Medicare eligibles since for us, it’s all about our members.

In addition to great benefits, Clover is committed to helping our members get the care they need. We proactively reach out about clinical programs that members may be eligible for and ensure they don’t forget to use their benefits. 

2025 is no different. We continue to be committed to our members, offering 4-Star PPO Medicare Advantage plans with wide access to care, $0 to low copays, and significant supplemental benefit coverage including, OTC, dental, vision, and a $400 rewards program. Learn more about what members are saying and why Clover could have the best plan for you in 2025.

 

New Jersey 2025 Plan Highlights
We have PPO plans in New Jersey with:

• $0 copay for in-network PCP
• As low as a $2 in-network specialist copay (save more) 
• As high as a $170 quarterly OTC allowance (more to spend) 
• A flexible rewards program where you can earn up to $400 reward dollars (easy to earn, easy to spend)
• Many copays instead of coinsurance for in- and out-of-network care access

Our New Jersey plan designs offer something for everyone – $0 premium MAPD plans, value plans that pair well with state financial assistance (e.g., Extra Help on Part D), and MAPD and MA-only plans with a Part B giveback. Learn more about Clover’s New Jersey Medicare Advantage Plans here.

 

Georgia 2025 Plan Highlights
We have MAPD PPO plans in Georgia with:

• $0 copay for in- and out -of-network PCP visits
• Low in-network specialist copay (save more) 
• High quarterly OTC allowance (more to spend) 
• A flexible rewards program where you can earn up to $400 reward dollars (easy to earn, easy to spend)

See why people in Georgia are choosing our Medicare Advantage PPO plans. We offer $0 to low premium MAPD plans, value plans that pair well with state financial assistance (e.g., Extra Help on Part D), and MA-only plans with a Part B giveback. Learn more here.

 

South Carolina 2025 Plan Highlights
We have a MAPD PPO plan in South Carolina with:

• $0 copay for in-network PCP
• $0 premium MAPD with a $20 monthly Part B giveback
• Low in-network specialist copay (save more) 
• High quarterly OTC allowance (more to spend) 
• A flexible rewards program where you can earn up to $400 reward dollars (easy to earn, easy to spend)

Find out more about why our South Carolina Medicare Advantage PPO plans are a great choice here.

 

Pennsylvania and Texas 2025 Plan Highlights
We have PPO plans in the Greater Philadelphia and Greater San Antonio area with:

• $0 copay for in-network PCP
• As low as a $2 in-network specialist copay (save more) 
• High quarterly OTC allowance (more to spend) 
• A flexible rewards program where you can earn up to $400 reward dollars (easy to earn, easy to spend)

We are excited to continue offering our $0 to low premium MAPD plans, and new for 2025, we have MA-only plans with a competitive Part B giveback and supplemental benefits like dental, vision, and OTC allowance. Learn more here.

 

What Our Members Are Saying

Hear from a few of our tens of thousands of members - 

“We have already recommended it to my family members to become a Clover member because their service is the best. I’ve been with Clover for many years, so I tell everyone to join Clover.” Dipak and Jagruti, Dipak member since 2017 and Jagruti since 2019

“I’ve talked to people about Clover and told them that it’s easy. I strongly recommend Clover because it’s no phony stuff. I’ve been a member of Clover for about ten years and had no problems at all. Whatever they tell you is true, and you can take it to the bank.” Al, member since 2014

“I've recommended it to my siblings, who had other insurance that did not help them as much as Clover is helping them now. They are happy, too.” Natalia, member since 2018

 

A company focused on its members – offering great benefits, a large network of doctors and hospitals, and a loyal membership – just might make a Clover Health 4-Star PPO the best choice for you for 2025. 

Clover Health is a Preferred Provider Organization (PPO) and a Health Maintenance Organization (HMO) with a Medicare Contract. Enrollment in Clover Health depends on contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.
 

*LiveHealthy rewards may not be used to purchase alcohol, tobacco products, or firearms. Not redeemable for cash. Other limitations may apply; please call Clover for details. 

 

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