Devoted Health vs Clover Health: Digital Medicare Compared

Devoted Health vs Clover Health is a common comparison for Medicare beneficiaries drawn to tech-forward insurers. Both companies entered the Medicare Advantage market as startups. Both built proprietary technology platforms from the ground up. However, they differ in important ways.

Devoted Health operates in 29 states and earned three 5-star CMS ratings for 2026. Clover Health covers just five states but leads the nation in clinical quality scores for PPO plans. Neither company offers traditional Medigap supplement insurance. If you are choosing between these two digital-first Medicare Advantage carriers, this guide breaks down their plans, ratings, benefits, and financial strength so you can make a confident decision.

Devoted Health Vs Clover Health: Quick Comparison

The devoted health vs clover health comparison reveals two fundamentally different approaches to technology in Medicare. Devoted built an end-to-end operations platform called Orinoco. It powers claims processing, care coordination, and member services internally. Clover built the Clover Assistant, an AI tool that works directly with physicians at the point of care. Both approaches aim to improve health outcomes. However, they reach that goal from opposite directions.

Devoted Health has grown much faster in recent years. Its membership surged 121% year over year to reach 466,000 members by January 2026. Clover Health grew 53% to approximately 153,000 members. For example, Devoted now operates across 29 states while Clover remains concentrated in just five. According to data published on cms.gov, both companies have contracts that are too new for complete historical Star Rating trend analysis.

Medicare Plan Options: Devoted Health vs Clover Health

When comparing devoted health vs clover health plan options, the biggest difference is variety. Devoted Health offers HMO, PPO, D-SNP, and C-SNP plan types. This means dual-eligible beneficiaries and those with chronic conditions have specialized options. Clover Health focuses almost entirely on PPO plans. In fact, more than 97% of Clover members are enrolled in a PPO. Neither company sells Medigap supplement insurance or standalone Part D drug plans.

Devoted Health organizes its plans into tiers. These include Devoted Core, Devoted Choice, Devoted Giveback, and Devoted Premium. Many plans bundle Part D prescription drug coverage. On the other hand, Clover offers straightforward MAPD PPO plans alongside some MA-only options with Part B premium reduction. Clover’s PPO structure gives members more provider flexibility without referral requirements.

For beneficiaries who want Special Needs Plan coverage, Devoted is the clear winner. Clover does not currently offer D-SNP or C-SNP plans. Typically, members who qualify for both Medicare and Medicaid will find more options with Devoted Health. You can verify plan availability in your county using the Medicare Plan Finder at medicare.gov.

Rates and Enrollment: Devoted Health vs Clover Health

The devoted health vs clover health pricing comparison favors Devoted on premium-free options. Approximately 92% of Devoted Health plans carry a $0 monthly premium. Clover Health offers $0 premiums on about 68% of its plans. Both companies require members to continue paying their standard Part B premium. However, both also offer Part B giveback plans that reduce that cost.

Devoted Health’s Part B giveback reaches up to $184.70 per month in 2026. Clover Health’s giveback tops out at $150 per month. In most cases, maximum out-of-pocket costs range from $3,100 to $8,300 for Devoted plans. Clover’s average MOOP sits around $7,600. These figures vary significantly by specific plan and county.

Both companies offer multiple enrollment methods. You can enroll online, by phone, or through a licensed insurance agent. Devoted accepts enrollment at devoted.com or by calling 1-800-483-8066. Clover enrolls members at cloverhealth.com or via 1-855-993-5636. Many Medicare beneficiaries also carry a life insurance policy to protect their family, so you may want to compare life insurance rates at Life Insure Guide while reviewing your coverage options.

Additional Benefits Compared

The devoted health vs clover health benefits comparison shows generous supplemental coverage from both carriers. Both include SilverSneakers fitness memberships at no extra cost. Both offer dental, vision, and hearing benefits. However, the specific allowances and coverage levels differ.

Devoted Health stands out with its dental allowance. Up to $3,000 per year is loaded onto a dedicated Dental Card. Members can see any dentist in many plans. Clover provides comprehensive dental through DentaQuest but does not advertise a dollar-based annual allowance. For vision, Devoted’s combined eyewear benefit is significantly more generous than Clover’s $200 cap.

Devoted Health also offers a unique benefit through Devoted Medical. This is an in-house primary care service with $0 copay virtual and in-home visits. Members get a dedicated care team alongside their existing doctor. Clover does not offer an equivalent in-house medical service. On the other hand, Clover provides a rewards program worth up to $400 for completing health activities like screenings and annual wellness visits. Retirees should also review their homeowners coverage alongside Medicare choices, so consider visiting compare home insurance rates at Home Insure Guide for current quotes.

Financial Strength and Stability

Neither Devoted Health nor Clover Health carries an AM Best financial strength rating. This is notable because established Medicare insurers like UnitedHealthcare and Humana hold strong AM Best grades. For the devoted health vs clover health stability comparison, investors and members must look at other indicators instead.

Devoted Health is privately held with over $2.3 billion in venture capital from firms like Andreessen Horowitz and Google Ventures. Its 2024 revenue reached $3.3 billion. The company is not yet profitable but losses are narrowing. U.S. News named Devoted the Best Insurance Company for Medicare Advantage in both 2025 and 2026. Its three 5-star CMS contracts for 2026 place it among the highest-rated plans nationally.

Clover Health is publicly traded on NASDAQ under ticker CLOV. Its 2025 revenue reached $1.9 billion with 40% year-over-year growth. Clover expects its first full year of GAAP profitability in 2026. However, Clover’s stock has declined significantly since its 2021 SPAC debut. Its PPO plans rank first nationally on HEDIS clinical quality measures for the second consecutive year. Typically, strong clinical outcomes indicate a company that invests in actual member health rather than just administrative processes.

Which Medicare Carrier Should You Choose?

Choose Devoted Health if: You live in one of their 29 service states and want top-rated plan quality. You value a concierge-style member experience with dedicated service guides. You need a D-SNP or C-SNP Special Needs Plan. You want access to in-house primary care through Devoted Medical with $0 copay telehealth visits.

Choose Clover Health if: You live in New Jersey, Georgia, South Carolina, Texas, or Pennsylvania. You prefer PPO flexibility to see any Medicare-accepting provider without referrals. You value clinical quality outcomes backed by AI-powered physician support. You want a publicly traded company approaching GAAP profitability with transparent financial reporting.

The devoted health vs clover health decision ultimately depends on geography and priorities. Devoted Health wins on scale, Star Ratings, and benefit generosity. It operates in nearly six times as many states. Its dental allowance and Part B giveback are both higher. Clover Health wins on PPO clinical quality and provider flexibility. Its Clover Assistant AI platform delivers measurable health improvements at the physician level.

In most cases, beneficiaries with access to both carriers should compare specific plans available in their county. A devoted health vs clover health comparison at the national level only tells part of the story. The plan details, provider networks, and drug formularies in your zip code matter most. Visit medicare.gov Plan Finder to compare exact costs and coverage where you live. Both companies represent the future of technology-driven Medicare. Whichever you choose, you are selecting a carrier that prioritizes innovation and data-driven care.

Frequently Asked Questions

Is Devoted Health or Clover Health more widely available?

Devoted Health operates in 29 states as of 2026. Clover Health is available in only five states. However, both companies cover select counties rather than entire states. For example, you should check the Medicare Plan Finder to confirm availability in your specific zip code.

Does Devoted Health vs Clover Health matter for prescription drug coverage?

Yes, it does. Most Devoted Health plans bundle Part D prescription drug coverage automatically. Clover Health also offers MAPD plans that include drug benefits. However, formularies and copay tiers differ between the two carriers. Typically, you should compare your specific medications on each plan before enrolling.

Are Devoted Health and Clover Health financially stable enough to trust?

Both companies lack traditional AM Best financial strength ratings. However, Devoted Health has over $2.3 billion in venture capital backing. Clover Health is publicly traded and expects GAAP profitability in 2026. In most cases, both companies demonstrate sufficient financial backing to meet their obligations to members.

Compare More Medicare Insurance Companies

Looking for more Medicare carrier reviews, plan comparisons, and enrollment guides? Browse our complete library of Medicare resources.

Official Sources & Resources

For verified information on Medicare plans, ratings, and enrollment:

• Medicare.gov (Official): medicare.gov
• CMS.gov (Centers for Medicare & Medicaid): cms.gov
• AM Best (Financial Strength Ratings): ambest.com
• NAIC (Complaint Ratios): naic.org
• State Health Insurance Assistance Program (SHIP): shiphelp.org
• Kaiser Family Foundation (KFF): kff.org

Content last reviewed April 2026. If you notice any outdated information, please contact us.

Related Guides

• Browse All Medicare Guides
• More Company Reviews
• Plan Comparisons
• Complete Medigap Plans Guide
• Medicare Advantage vs Medigap
• Understanding Medicare Costs