Clover Health Valor (PPO)

Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?

• • In-Network: No

Comprehensive Dental

• Adjunctive General Services
  • In-Network: No Coins – 20.00 Copay
• Endodontics
  • In-Network: No Coins – 20.00 Copay
• Implant Services
  • In-Network: No Coins – 20.00 Copay
• Maxillofacial Prosthetics
  • In-Network: No Coins – 20.00 Copay
• Oral and Maxillofacial Surgery
  • In-Network: No Coins – 20.00 Copay
• Periodontics
  • In-Network: No Coins – 20.00 Copay
• Prosthodontics, fixed
  • In-Network: No Coins – 20.00 Copay
• Prosthodontics, removable
  • In-Network: 50 Coins – No Co pay
• Restorative Services
  • In-Network: No Coins – 20.00 Copay

Diagnostic and Preventive Dental

• Dental X-Rays
  • In-Network: No Coins – No Copay
  • Out-of-Network: No Coins – No Copay
• Fluoride Treatment
  • In-Network: No Coins – No Copay
  • Out-of-Network: No Coins – No Copay
• Oral Exams
  • In-Network: No Coins – No Copay
  • Out-of-Network: No Coins – No Copay
• Other Diagnostic Dental Services
  • In-Network: No Coins – No Copay
  • Out-of-Network: No Coins – No Copay
• Other Preventive Dental Services
  • In-Network: No Coins – No Copay
  • Out-of-Network: No Coins – No Copay
• Prophylaxis (cleaning)
  • In-Network: No Coins – No Copay
  • Out-of-Network: No Coins – No Copay

Diagnostic procedures/lab services/imaging

• Diagnostic radiology services (e.g., MRI)
  • In-Network: $50-250 copay (Authorization Required)
• Lab services
  • Out-of-Network: $0-40 copay (Authorization Required)
• Outpatient x-rays
  • In-Network: $40 copay (Authorization Required)
• Diagnostic tests and procedures
  • Out-of-Network: 0-30% coinsurance (Authorization Required)
• Diagnostic radiology services (e.g., MRI)
  • Out-of-Network: 30% coinsurance (Authorization Required)
• Lab services
  • In-Network: $0-20 copay (Authorization Required)
• Outpatient x-rays
  • Out-of-Network: 30% coinsurance (Authorization Required)
• Diagnostic tests and procedures
  • In-Network: $0-250 copay (Authorization Required)

Doctor visits

• Specialist
  • Out-of-Network: 30% coinsurance per visit
• Primary
  • Out-of-Network: $30 copay per visit
• Specialist
  • In-Network: $50 copay per visit
• Primary
  • In-Network: $0 copay

Emergency care/Urgent care

• Emergency
  • $110 copay per visit (always covered)
• Urgent care
  • $25 copay per visit (always covered)

Foot care (podiatry services)

• Routine foot care
  • Not covered
• Foot exams and treatment
  • In-Network: $35 copay
  • Out-of-Network: 30% coinsurance

Ground ambulance

• • Out-of-Network: $350 copay
  • In-Network: $350 copay

Health plan deductible

• • $0

Hearing

• Medicare-Covered Hearing Exam
  • In-Network: $50 copay
• Hearing aids
  • Out-of-Network: $999 copay (Limits Apply)
• Hearing aids OTC
  • Not covered
• Medicare-Covered Hearing Exam
  • Out-of-Network: 30% coinsurance
• Hearing aids
  • In-Network: $699-999 copay (Limits Apply)
• Fitting/evaluation
  • In-Network: $0 copay
  • Out-of-Network: $0 copay

Inpatient hospital coverage

• • Out-of-Network: $595 per day for days 1 through 6
    $0 per day for days 7 through 90 (Authorization Required)
  • In-Network: $399 per day for days 1 through 6
    $0 per day for days 7 through 90 (Authorization Required)

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)

• • $14,000 In and Out-of-network
    $9,350 In-network

Medical equipment/supplies

• Durable medical equipment (e.g., wheelchairs, oxygen)
  • In-Network: 20% coinsurance per item (Authorization Required)
  • Out-of-Network: 20% coinsurance per item (Authorization Required)
• Prosthetics (e.g., braces, artificial limbs)
  • Out-of-Network: 20% coinsurance per item (Authorization Required)
• Diabetes supplies
  • In-Network: 20% coinsurance per item
  • Out-of-Network: 30% coinsurance per item
• Prosthetics (e.g., braces, artificial limbs)
  • In-Network: 20% coinsurance per item (Authorization Required)

Medicare Part B drugs

• Chemotherapy
  • Out-of-Network: 40% coinsurance (Authorization Required)
• Other Part B drugs
  • Out-of-Network: 40% coinsurance (Authorization Required)
• Chemotherapy
  • In-Network: 0-20% coinsurance (Authorization Required)
• Other Part B drugs
  • In-Network: 0-20% coinsurance (Authorization Required)

Mental health services

• Inpatient hospital – psychiatric
  • In-Network: $335 per day for days 1 through 6
    $0 per day for days 7 through 90 (Authorization Required)
• Outpatient individual therapy visit with a psychiatrist
  • In-Network: $45 copay
• Outpatient group therapy visit
  • In-Network: $35 copay
• Outpatient group therapy visit with a psychiatrist
  • Out-of-Network: 30% coinsurance
• Inpatient hospital – psychiatric
  • Out-of-Network: $595 per day for days 1 through 6
    $0 per day for days 7 through 90 (Authorization Required)
• Outpatient group therapy visit with a psychiatrist
  • In-Network: $35 copay
• Outpatient individual therapy visit
  • Out-of-Network: 30% coinsurance
• Outpatient individual therapy visit with a psychiatrist
  • Out-of-Network: 30% coinsurance
• Outpatient group therapy visit
  • Out-of-Network: 30% coinsurance
• Outpatient individual therapy visit
  • In-Network: $45 copay

Optional supplemental benefits

• • No

Other health plan deductibles?

• • In-Network: No

Outpatient hospital coverage

• • Out-of-Network: 30% coinsurance per visit (Authorization Required)
  • In-Network: 20% coinsurance per visit (Authorization Required)

Preventive care

• • In-Network: $0 copay
  • Out-of-Network: 30% coinsurance

Rehabilitation services

• Occupational therapy visit
  • Out-of-Network: 30% coinsurance (Authorization Required)
• Physical therapy and speech and language therapy visit
  • In-Network: $35 copay (Authorization Required)
• Occupational therapy visit
  • In-Network: $35 copay (Authorization Required)
• Physical therapy and speech and language therapy visit
  • Out-of-Network: 30% coinsurance (Authorization Required)

Skilled Nursing Facility

• • In-Network: $0 per day for days 1 through 20
    $214 per day for days 21 through 100 (Authorization Required)
  • Out-of-Network: 40% per stay (Authorization Required)

Transportation

• • Not covered

Vision

• Contact lenses
  • Out-of-Network: $0 copay (Limits Apply)
• Eyeglass frames
  • Not covered
• Routine eye exam
  • Out-of-Network: $0 copay (Limits Apply)
• Upgrades
  • Not covered
• Contact lenses
  • In-Network: $0 copay (Limits Apply)
• Eyeglass lenses
  • Not covered
• Eyeglasses (frames and lenses)
  • In-Network: $0 copay (Limits Apply)
  • Out-of-Network: $0 copay (Limits Apply)
• Other
  • Not covered
• Routine eye exam
  • In-Network: $0 copay (Limits Apply)

Wellness programs (e.g., fitness, nursing hotline)

• • Covered