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.
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With most plans at $0/month, Clover is a Medicare Advantage PPO giving members more coverage for less cost, including drug and vision benefits, plus more.
