Options for every need and budget
Lower-cost major medical insurance plan.
The advantages of the MVP Plan
Enjoy copays for common services like doctor visits and prescriptions.
Mental Health Care
Virtual mental healthcare through Talkspace is included with all plans. Plus, Major Medical Copay plans include coverage for in-person mental health care.
Free 24/7 telemedicine
Get access to care anywhere, anytime with $0 virtual telemedicine.
Frequently Asked Questions
You can enroll during open enrollment from November 1 through December 31, or if you have a qualifying life event during the year. If you enroll outside of open enrollment, you will be subject to a 60-day waiting period.
For Major Medical plans, open enrollment is November 1 through December 31. Your plan effective date during open enrollment is January 1. For those that enroll outside of open enrollment, your effective date is on the first of the month following a full 60-day waiting period.
You will keep your healthcare plan for 1 year after your effective date. If there is a qualifying life event, you may be eligible to update or cancel your plan.
To cancel your plan, contact firstname.lastname@example.org. In order to cancel your plan, you must have a qualifying life event. You have 31 days from the date of your qualifying life event to notify us of the qualifying life event in order to cancel your plan. Your policy will terminate at the end of the month from the date we receive your qualifying life event documentation.
At the age of 18 a child is eligible to enroll in their own individual plan. However, a child can stay on a parents plan until the age of 26. At the age of 26, a child must enroll in their own plan. If someone is 65 or older they are eligible, however, Medicare will likely be a cheaper option with a broader network.
Love from Our Community
Hear it from our members: There's lots to love.
I spent twelve weeks in the ICU. The bills mounted up to about two million dollars. The length of time I was in the hospital I would have been bankrupt. And because of (Clearwater Benefits), I survived that. And my family survived that.
Clearwater has made it easier for me, and taken off the (financial) burden from my shoulders (by paying $12,000 less a year for a health plan). Under the old healthcare pricing, I used to say, ‘Wow, I’m taking care of one thing, and I’m hurting the other.
Clearwater took the time to listen and help us explore what would work best for us. Within two months, we had saved enough money through the plan we chose to cover the premium for one month. I highly recommend Clearwater for an honest look at your healthcare.
Better care. Better cost.
Average annual savings
*Estimate is based on an average of annual data and will not apply to every individual customer.