Most Popular
HMO
H7607-014
2026 Clever Care Longevity
$0 / month premium
Acupuncture
$0 OOP
Telehealth
Chronic Special Needs Plan
2026 Clever Care Total+
A holistic plan for individuals diagnosed with diabetes, chronic heart failure, cardiac arrhythmias, coronary artery disease, chronic venous thromboembolic disorder, or peripheral vascular disease.
$0
Monthly premium
$615
Part-C deductible
$9,250
Max out-of-pocket
Cost at a Glance
Chronic conditions$0
Member Premium
No monthly cost to you
$0
Inpatient Hospital
$0
Doctor Visits
$0 copay per visit
$0
Specialist Visits
$0 copay per visit
$25
Urgent Care
$95
Emergency Care
$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
Medicare-defined amounts ($1,736 deductible per benefit period)
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Outpatient Hospitalization
20% coinsurance
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Doctor Visits
$0 copay per visit
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Specialist Visits
$0 copay per visit
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Emergency Care
$95 copay ($0 if admitted within 72 hours)
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Urgent Care
$25 copay
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Labs & X-Ray
$0–20% coinsurance
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Hearing Coverage & Hearing Aids
$0 copay · $600 per ear, per year
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Dental Coverage
$1,200 biannually, with rollover (up to $2,400 annually)
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Routine Vision & Eyewear
$0 copay · $350 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
$600 per quarter, with rollover (up to $2,400 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
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Prescription Drug Deductible
$615 annually (does not apply to Tiers 1, 2, or 6)
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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
