Carrier Review · AM Best NR
Clover Health Medicare Review 2026
Clover Health Overview
| Item | Detail |
|---|---|
| Founded | 2014 |
| AM Best rating | NR |
| States served | 8 |
| Product focus | Medicare Advantage |
Strengths
- PPO flexibility at competitive premiums
- Clinical software platform
Watch-Outs
- Mixed star ratings
- Geographic limits
Who Clover Health Fits Best
Clover Health is strongest for consumers whose provider preferences, state, and benefit priorities align with its product focus (Medicare Advantage). Confirm that your specific doctors are in-network (for MA plans), that your drugs are on the formulary (for Part D and MA-PD), and that the Medigap plan letter you want is available at a competitive premium in your state.
How to Compare Clover Health vs Other Carriers
- For Medigap — compare same plan letter (e.g., Plan G) across 3+ carriers in your ZIP.
- For MA — verify your PCP, specialists, and hospitals are in-network for the current and next plan year.
- For Part D — run your drug list through Medicare.gov Plan Finder; tier placement and utilization management vary carrier to carrier.
- Check rate stability history — a low introductory premium means nothing if the carrier has a pattern of double-digit increases.
Related
Editorial disclosure: We may receive compensation when readers request quotes through our partners. This does not affect our editorial evaluations. Not affiliated with or endorsed by the U.S. government.
Frequently Asked Questions
Is Clover Health a good Medicare carrier?+
Clover Health earns an AM Best financial rating of NR. Like any carrier, quality varies by product, plan year, and state — always compare specific plans rather than brand.
What states does Clover Health serve?+
Clover Health is licensed in 8 states. Availability of specific plans varies within each state.
Does Clover Health offer Medigap?+
Clover Health does not primarily sell Medigap; its focus is Medicare Advantage.
How do I get a Clover Health quote?+
Use the quote widget on this page or contact a licensed Medicare agent who works with multiple carriers for a side-by-side comparison.
Can I switch carriers later?+
Medigap switches outside the 6-month Open Enrollment Period typically require medical underwriting. Medicare Advantage and Part D changes are allowed during AEP (Oct 15 – Dec 7).