Most Popular
HMO
H7607-014
2026 Clever Care Longevity
$0 / month premium
Acupuncture
$0 OOP
Telehealth
Medicare Advantage plan
2026 Clever Care Longevity
Our flagship plan with comprehensive benefits — extensive coverage including rich supplemental and Eastern wellness benefits for a $0 monthly premium and low out-of-pocket costs for services.
$0
Monthly premium
$0
Part-C deductible
$500
Max out-of-pocket
Cost at a Glance
Flagship plan$0
Member Premium
No monthly cost to you
$0
Inpatient Hospital
Unlimited days, $0 copay
$0
Doctor Visits
$0 copay per visit
$0
Specialist Visits
$0 copay per visit
$0
Urgent Care
$0 copay per visit
$90
Emergency Care
$90 copay ($0 if admitted)
Limits and exclusions may apply. Refer to the Evidence of Coverage for a full description of benefits. Your cost-sharing may differ depending on the pharmacy you choose (e.g., standard retail, out-of-network, mail-order) or whether you receive a 30- or 100-day supply.
Benefits Overview
For more information, view the Summary of Benefits.
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Inpatient Hospital Stay
$0 copay per benefit period, unlimited days
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Outpatient Hospitalization
$0 copay per stay
-
Doctor Visits
$0 copay per visit
-
Specialist Visits
$0 copay per visit
-
Emergency Care
$90 copay ($0 if admitted within 72 hours)
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Urgent Care
$0 copay per visit
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Labs & X-Ray
$0 copay
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Hearing Coverage & Hearing Aids
$0 copay · $600 per ear, per year
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Dental Coverage
$1,100 biannually, with rollover (up to $2,200 annually)
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Routine Vision & Eyewear
$0 copay · $300 annually
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Transportation (Non-Emergency)
$0 copay · 48 one-way trips/year, 30-mile radius
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Flexible Health & Wellness Allowance
$315 per quarter, with rollover (up to $1,260 annually)
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Acupuncture
$0 copay · $2,000 max allowance, unlimited visits
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Eastern Wellness Therapies
$0 copay · up to 24 services per year
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Worldwide Emergency Coverage
Up to $100,000 annual limit
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Prescription Drug Coverage (Part D)
Included
-
Prescription Drug Deductible
$0 (no deductible)
-
Part B Premium Buy-Down
Not included
Eastern Wellness Therapies
IncludedClever Care uniquely integrates traditional Eastern medicine with Western care—covered at $0 copay for up to 24 services per year, plus unlimited acupuncture.
Acupuncture
$0 copay · Unlimited visits
Traditional Chinese Medicine
Herbal consultations and treatments
Mind-Body Therapies
Tai chi, qigong, and meditation support
Therapeutic Massage
Part of annual Eastern wellness benefit
Additional Benefits Included
Meal Delivery
Special Supplemental Benefit for the Chronically Ill (SSBCI)
Social Needs Benefits
Non-clinical personal caregivers
Telemonitoring Services
Remote health tracking
In-Home Safety Assessment
Annual home visit
In-Home Support Services
Personal care support
Support for Caregivers
Caregiver resources
Personal Emergency Response
24/7 alert system
Telehealth Visits
Virtual care access
Post-Discharge Meals
After hospital stay
