Clever Care Longevity (HMO)

Clever Care Longevity (HMO) is a HMO plan offered by Clever Care Health Plan, Inc. available for enrollment in 2026 to people living in Southern California. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that Clever Care Longevity (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Clever Care Longevity (HMO).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

Clever Care Longevity (HMO) provides an Enhanced Alternative drug benefit featuring no prescription drug deductible, allowing your coverage to begin immediately. Under this plan, you will pay no copay for Tier 1 preferred generic drugs and Tier 5 specialty tier drugs at standard pharmacies or through standard mail. For other drug tiers, standard 30-day fills require a $40 copay for Tier 2 standard generics, a $99 copay for Tier 3 preferred brands, and a 33% coinsurance for Tier 4 non-preferred drugs. These copays and coinsurance rates apply until your total accumulated drug costs reach $2,100. After meeting this $2,100 out-of-pocket threshold, you enter the catastrophic coverage phase and pay nothing for your Medicare Part D covered drugs. Furthermore, beneficiaries who qualify for the full low-income subsidy will pay a $0 Part D premium.

Additional Benefits

The Clever Care Longevity (HMO) plan offers comprehensive medical coverage with many zero-dollar out-of-pocket costs. Members pay no copay or coinsurance for preventive services, annual physicals, and urgent care, while emergency room visits require a $90 copay. Ground ambulance services carry a $100 copay, and the plan includes up to 48 one-way trips to approved locations with no copay or coinsurance. For supplemental care, the plan features up to $1,100 in dental coverage every six months, a $300 annual eyewear allowance, and up to $600 per ear annually for prescription hearing aids. Skilled nursing facility stays require no copay for the first 20 days, and members can receive unlimited acupuncture treatments up to a $2,000 annual limit. Other specialized services, such as dialysis and certain medical equipment, generally require a 20% coinsurance and no copay.