Do you agree with Clover Health's TrustScore? Voice your opinion today and hear what 42 customers have already said.
Clover Health is an online company. Based on 40 reviews on TrustPlane, it has an average rating of 1.8 out of 5 stars. Last reviewed March 3, 2026.
the worstI Ama psychotherapy provider who has been told absolute nonsense re a claim denial. and after talking with 4 agents they are unable to define what are the MEDICAL materials they say are needed to process the claim?.a reason I haven't heard in 35 years of practice. this is systemic and an obvious maybe they will just give up trying to collect payment or we can drag out payment as long as possible
Calling customer service involves a revolving door of signing in events. Very frustrating until you finally get a live person.
Clover Health fails their members at every turn. Their ai "clover assistant" does nothing but frustrate members until they give up. Their Dental is outsourced to DentaQuest whose website lists dentists who either don't take Clover (contrary to their claim in the details,) do not work at the group location listed, no longer work with that group (usually Coast Dental or Great Expressions) or the office location has closed. Member services is outsourced and are unable to help, as is DentaQuest. Asking for a manager completely terrifies the member services people and no manager can be found. My experience feels like I'm playing a dungeon game where there is no way to win
Associates are not very knowledgeable, usually creating more questions than able to give answers.
This Company absolutely sucks!It’s January 2nd and still no dental card. But ok I’ll wait for one . I ask for them to just give me the number so I can give dentist and I was told no. I dropped them 4 years ago for terrible service. My insurance felt area and thought give a try. I’m so dumb
I switched from traditional Medicare to Clover Health during open enrollment in 2025. A disaster. I have received nothing, no welcome kit or information kit or card. I learned someone at Clover had changed my address. It takes 10 days to get a return call from someone who is incompetent and ignorant and unable to solve any problems. Clover operates in only five states and appears to be a shoestring operation. I will switch out as soon as I can. I am very skeptical such a company will survive.
Big waste of time, they claim they want to give rewards but then they make it impossible to obtain the rewards, seems like it is an intentional deviously designed games that frustrates the people and makes them forego the finds. To tell me the requirement for an annual wellness visit is not the same thing as an annual check up with my primary physician is an absurdity, and then put me on hold to send their agent to my house, to give me the "wellness visit" a week after I had the check up, and then after waiting on hold they can't give me a date and time, because its "not loading", all along annoyingly confirming my identity four times, as my call is transferred to each new agent, - and then to come online and see the have a rating of 2.3 out of 5 stars. Every time they call I have to get off an important call, or every time I call them I have to take an important incoming call, and then the process has to start all over. So far all this Clover Health is doing is raising my blood pressure 40 points with aggravation. **I am updating this horror story to say that after abusing my entire day they wrote back to give me the time and place of my wellness check appointment, which I was told would be a visit to my home, and when there email arrived it's for me to go to Jersey City, over an hour away from my home, in ten weeks. I already had the annual check up and this is what this criminal organization is putting me through? So I guess they think people have nothing better to do than spend day after day on the phone with them. But really I will be spending my time in the phone with the consultant expert who put me in this horrible company. Horrible treatment. Just horrible.
This place causes more inconvenience than going into the clinic. They consistently drop appointments (it’ll say you missed the call even when it never showed up in chat) causing you to rebook again and again, will say they’ve faxed your prescription to the pharmacy when they didnt (happened almost every time), and the support team never apologizes for any of these issues. What’s the point of using this platform to see a doctor when you will either never see a doctor or never get your prescriptions anyway?
Clover Health uses Dentaquest (under Sunlife) which has been an absolute nightmare to deal with for dental and vision. Almost every "in network covered provider" has told me they will not accept dentaquest. The ones that do are 40 or 50 miles away. Trying to reach a representative at Clover Life is also difficult. Their telepromp system makes no sense whatsoever and it takes almost 4 minutes just to get someone on the phone. They ask you to "press one to enter your member number". Why do I need to press 1 to enter my member number? I'm not even sure that I need to enter it, and if I do what do I need to press one to do that? I've never seen any company operate this way. DentaQuest should be investigated and clover health is not doing enough for their members that have to navigate through this terrible experience with their chosen dental and vision provider.
great plans, but horrendous customer service fro non caring, non professionals - almost impossible to get phone call thru on a timely basis, + impossible to get reliable answers - they gave their pharma administration over to cvs/caremark, which is a total fiasco + totally inadequate -
I have had multiple problems with Clover Health. First one it took me 7 minutes to go through the prompts to talk to someone. I had to call to see if a procedure was covered. It was the only question asked of me was it at a Surgery Center or Hospital. I was give a copay amount I knew that there would be one. But when checking in for the procedure was now out of network and the copay was doubled.. I was in shock. I called and asked why and was told that it was out of network. So make sure before having work done. ask, ask questions about every think so you don't end up surprised..
I am surprised by all the low ratings. As a senior on Medicare, I have been very happy with this advantage plan. With a $0 premium, affordable co-pays (incl. out-of-network), and the fact that they have approved my higher-tiered formulas for most prescriptions, I worry that if and when I relocate out of the 5-state area they cover, I may not find a similar satisfying insurer.As for the Healthy Benefits VISA card, I used it today, and it covered items not usually considered within their "required list", such as a passport photo at CVS, or buying food at the supermarket not considered "healthy" (desserts, hot buffet takeout). That was a real surprise and treat.One star left off, for some confusing billing that had to be defended MULTIPLE times (one was 3 years later!) before my appeals were transferred to the higher Medicare team.
Awful, so tired of this place. So many things to say about Cover Health but eventually you will find out on your own. Writing out grievances don’t also even help, they keep doing the same things over and over again. Grievances are a waste. When you talk to a Supervisor they are all on the same level, and do nothing as well. I tried to see if I can talk to the CEO, they won’t let you, it’s that same team of a waste of time and coverups.
Does not like my health provider organization? Have Piedmont Medical. Had annual Dr visit and updated shots in January. Bill rejected 3 times by Clover. "Automated" system reject reason to my provider: I am not a covered member". But each time I call, Clover says the Provider must not be submitting the bill correctly. Provider eventually tried 3rd time via paper to a mail box. Still declined. So I paid bill to prevent it going to collection agency. Now I will deal with their "Service". Not renewing with Clover in Oct.
I agree with Drew. From the beginning, very professional and they even spoke fluent understandable English as the three people I spoke with all had British accents. My agent, Malachy, made sure I understood everything, and made certain I wrote important things down. Like his name, the application number, his phone number. I even received a copy of everything from right off the link I was texted to sign. Furthermore, I go from Health Insurance (United) with a $5400 deductible and $9200 out of pocket max to zero deductible, $1300 out of pocket max, plus $537 a month Flex Card subsidy. Any other time, I can’t understand anyone. Even though they spoke English, the Indian (dot not feather) accents are so heavy, I can’t understand anyone barely keep up. Aside from that, I chose my own plan on Marketplace however, a good friend used these “Indian” agents and for 14 straight months ending February, at the beginning of 13 of them, she had a different health plan that required her to spend hours on the phone as she takes medication she has to have. I told her what was probably happening was these agents get a fee for taking your Marketplace application down and submitting it (like$50). They were doing it EVERY month. She complained with good reason. Ultimately Marketplace stopped her insurance altogether saying something was fraudulent. I know personally, for a fact, it wasn’t anything she did. February this year was the last she had health insurance. So I do a little research and sure enough, it’s a big deal and the government says what is happening is just what I suspected. It’s like Marketplace, all the cell companies, and certain entities use the same call centers.
Very customer service very unprofessional andInexperience staff not know how to resolve issue and misguiding a lot flex benefits
We are a medical office and working with this company to obtain reimbursement has been a NIGHTMARE. This company does anything possible not to pay. As a provider, I would avoid working with them.
THIS IS A COMPLAINT...EVEN WITH 5 STARS. As a health care insurance company I rate this 5 stars. I do live in a major city with many hospitals and doctors. I can always find someone to take this insurance. Even though a major facility informed me last August(2024) they wouldn't be taking Clover, I fell broke my arm and went to their ED. They did referrals, X-rays and splinted. I only got a co-pay of $50. Referrals to specialists were $40. PT for 15wks x2 wkly $15ea. I have had this insurance for over 12 years. I am very happy with it. NOW, ON TO THE COMPLAINT...the OTC card isn't worth the plastic it's printed on. Walmart is the worst. You order from them and they say it's delivered...Guess what? it isn't. Call tell them and you get the "Your only option is to get a credit". This is not true, because I had the same experience one week prior and they reordered what they had in stock. Of course, they didn't have all items in stock. Okay it's March 23rd and I only have 8 days to spend $90. It's March 26 and I still have no credit. 5 days to spend. On the phone for 50 minutes. Walmart isn't speaking to me and the Clover Rep says this credit will not expire for 30 days after I receive it. We'll see. This is the second time in two weeks that this has happened. I think Walmart is ripping off the customers and Clover. Products are more expensive in the OTC catalogue than on the Walmart site. They also will say out of stock, but if you go to the Walmart site and are willing to spend your $$$ then they have it. I agree with everyone that complains about this, if you want to give us money let us buy what we want...food, tylenol when we need it, etc.Another Walmart scam is when you're shopping the OTC catalogue online, a little shopping cart appears and says if you don't see what you're looking for click here we'll direct to our shopping partners. Guess what? they direct you to Walmart and if you don't click on services, OTC and insurance they charge your credit card and not your Clover OTC card. CLOVER...Get rid olf Walmart and give us real benefits.
So far so good with Clover health insurance. Very impressed with costumer service who reach out periodically to explain any questions you may have. Love the little extras they offer especially to ‘fixed income ‘ seniors. Would highly recommend
clover information about a doc is all wrong either the doc doesnt accept clover or the number is wrong or its not the kind of doc you asked for, and this is not the first time clover has done this i asked one time for a dentist they said they call me back with a dentist and never did.. julieann calandrino 7323337140
According to TrustPlane, Clover Health has a 1.8/5 rating based on 40 verified reviews as of April 2026. Source: trustplane.app/company/cloverhealth-com
