Major Medical

High-quality major medical
insurance plans to fit any budget

These insurance plans offer copays for common services and
opportunities for $0 care.

Unbelievably Better Benefits

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 Health), I survived that.

Terry H.
Clearwater Member
Jimmy N.
Clearwater Member

Clearwater Health 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.

Ashley A.
Clearwater Member

About Major Medical Plans

These major medical plans also offer better benefits, such as:

  • 24/7 telemedicine with a $0 copay
  • Mental health coverage through Amaze, plus in-person care is also covered
  • $0 generic prescriptions on most plans
  • Patient prescription programs to help with speciality medications

Take advantage of supplemental insurance plans

Stay up to date with annual appointments, such as teeth cleanings and vision exams, or secure yourself financially in the event of an unexpected illness or accident.

Clearwater Health offers supplemental insurance plans, including dental, vision, critical illness, accident, and life.


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 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.

Ready to start saving?

Get a quote and get started on having Clearwater Health build the perfect health plan for you.