Clover Health operates as a Medicare Advantage insurer focused on seniors across the United States. Founded in 2014, the company combines insurance with proprietary technology to deliver preventive, member-centered care to Medicare beneficiaries. Its approach rests on aligning incentives between physicians and patients, enabling early intervention and personalised preventive care rather than reactive treatment.
The company's core offering comprises two integrated components. Clover Medicare Advantage plans provide comprehensive coverage including dental, vision, hearing, and over-the-counter allowances. These plans are supported by Clover Assistant, a proprietary software platform that equips physicians with data-driven clinical insights to improve health outcomes and customise preventive interventions.
Clover Health positions itself as a next-generation Medicare Advantage insurer built on the premise that high-quality care can be delivered at lower costs. The company's model emphasises putting control back into members' hands, supporting them to live healthier lives through an approach that differs markedly from traditional Medicare insurance structures.