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MVP Plan

Lower-cost major medical insurance plan.

This plan includes copays for common services like doctor visits and prescriptions and meets ACA-defined minimum value standards.
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The advantages of the MVP Plan

  • Low Copays

    Enjoy copays for common services like doctor visits and prescriptions.

  • Mental Health Care

    Virtual mental healthcare 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.

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Frequently Asked Questions

When can I enroll in a Major Medical plan?

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.

When does my plan start?

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.

How long does my plan last?

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.

Can I switch my plan?

You can switch plans at the 1-year renewal date.  To switch before then, you must have a qualifying life event.

How do I cancel my plan?

To cancel your plan, contact members@clearwaterhealth.com. 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.

Are there age limitations to the memberships? Can I enroll my children?

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.

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Love from Our Community

Hear it from our members: There's lots to love.

Chad and Jen Beasley
Chad and Jen Beasley
Clearwater Member
EXP Realty
Affiliate
Jimmy N.
Clearwater Member
Jeff Levitan
Jeff Levitan
CEO, Bettr
Brandon and Mary Snyder
Brandon and Mary Snyder
Clearwater Member

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.

Ashley A.
Clearwater Member

Our teams love Clearwater and their benefits. They deliver immense value to our most important partner, our independent contractor real estate agents. Clearwater is a game changer, a trusted partner, and an important part of the eXp growth story.

Glenn Sanford
Glenn Sanford
CEO eXp Realty

I’m already saving $$$, plus the health benefits are much better! This is truly one of the best

Jesse G.
Jesse G.
Realtor

Better care. Better cost.

$8,000*

Average annual savings

PPO

Network upgrade

80%

Out-of-pocket savings

*Estimate is based on an average of annual data and will not apply to every individual customer.

Is a MVP Plan right for you?

Together, we’ll explore your options and find your best path forward.
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