Most Popular
HMO
H7607-014
2026 Clever Care Longevity
$0 / month premium
Acupuncture
$0 OOP
Telehealth
Medicare Advantage plan
2026 Clever Care Value
An essential plan with a $120 Part B premium reduction — dependable coverage for a $0 monthly plan premium and a monthly Medicare Part B premium reduction that puts money back in your pocket.
$0
Monthly premium
$0
Part-C deductible
$2,000
Max out-of-pocket
Cost at a Glance
Essential plan$0
Member Premium
No monthly cost to you
$100
Inpatient Hospital
$100/day (days 1–5), $0 after
$0
Doctor Visits
$0 copay per visit
$0
Specialist Visits
$0 copay per visit
$0
Urgent Care
$0 copay per visit
$125
Emergency Care
$125 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
$100 copay/day (days 1–5), $0 after · unlimited days
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Outpatient Hospitalization
$75 copay per stay
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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
$125 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 labs · $75 imaging (MRI/CT/PET)
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Hearing Coverage & Hearing Aids
$0 copay · $600 per ear, per year
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Dental Coverage
$400 biannually, with rollover (up to $800 annually)
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Routine Vision & Eyewear
$0 copay · $200 annually
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Transportation (Non-Emergency)
$0 copay · 16 one-way trips/year, 30-mile radius
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Flexible Health & Wellness Allowance
$90 per quarter, with rollover (up to $360 annually)
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Acupuncture
$0 copay · $1,000 max allowance, unlimited visits
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Eastern Wellness Therapies
$0 copay · up to 12 services per year
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Worldwide Emergency Coverage
Up to $75,000 annual limit
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Prescription Drug Coverage (Part D)
Included
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Prescription Drug Deductible
$0 (no deductible)
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Part B Premium Buy-Down
$120/month reduction
Eastern Wellness Therapies
IncludedClever Care uniquely integrates traditional Eastern medicine with Western care—covered at $0 copay for up to 12 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
Personal Emergency Response
24/7 alert system
Telehealth Visits
Virtual care access
Post-Discharge Meals
After hospital stay
