Clover Health Valor (PPO) — 2027
Plan year 2027 · Source: CMS · Checked October 29, 2026
Plan ID: H5141-056-0 · Sold by Clover Health
What this plan is
This is a Medicare Advantage plan sold as a PPO in Georgia and South Carolina, which means you can often see doctors outside the plan's network, although you pay more when you do.
Read this part with care: **this plan has no prescription drug coverage.** Medicare's file lists it as a medical-only plan. If you join it, you need a drug plan from another source, or you may pay a late fee for drug coverage down the road. Do not drop a drug plan for this one by mistake.
The same plan name can appear under other Clover Health contracts in other areas, and those versions are different plans with their own costs. The numbers on this page belong to this contract only. See the [Clover Health company page](/medicare-advantage/clover-health/) for its full list of plans, or [all companies compared](/medicare-advantage/) for the whole field.
Medicare rates this plan's contract 5 out of 5 stars overall for 2027, with 4 stars for health care.
What it costs
- Monthly premium for the medical part: $0. You still pay your Part B premium each month, just as you would with any Medicare Advantage plan.
- Yearly limit on in-network care: $9,850. Once your copays and coinsurance for Part A and Part B care reach this amount in a year, you pay nothing more for covered in-network care that year.
- Drugs: not covered by this plan, so there is no drug deductible and no drug tier list here.
A $0 premium does not mean $0 care, because copays for visits and hospital stays still add up across the year. The yearly limit above is the cap on the medical side of that cost.
Where it is sold
This plan is sold in 173 counties in Georgia and South Carolina, and the full list is in this page's data record. A plan with the same name under a different contract is a different plan with its own costs, even when the company name on the card looks the same.
Before you join
Before you join, check that your doctors are in the network, and line up drug coverage from another source first. Care and Living Guide does not sell or enroll anyone in a plan, so to sign up or check your own case, use Medicare.gov, call 1-800-MEDICARE, or talk with a licensed insurance agent.
Care and Living Guide is not connected with or endorsed by the U.S. government or the federal Medicare program. For official information visit Medicare.gov or call 1-800-MEDICARE.