I hesitated with on star, should be actually 1/2 star! Clover Advantage Plan is the worst company to deal with. I call and get a rep that doesn't speak proper English, I try to explain my issue many times, for months, prob a year or more, the entire time I have been enrolled I have had to fight for them to pay the bills and they still haven't. Their copays are large and a copay for everything. I tried to cancel them, and it was extremely frustrating. After finally canceling their policy, I get a new benefit card in the mail. OMG again back on the phone. Their so-called free programs are not free, if you find a dentist or Optometrists in the area your blessed otherwise traveling 50+ miles are customary, the policy says they will pay either in-network or out-network well they pay neither. I had more denials than approvals. I have even sent in appeals and months later finally get a notice that I must send in an appeal???? I send another in and 2 weeks later get a denial for that appeal, only having to pay out of my own pocket for a normal free procedure like cleaning of the teeth. I know that appeals take at least 1 month to process thru experience. Its straight Medicare for me for now on. I have learned a huge expensive lesson with dealing with Clover Advantage plan.
