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.

Compare Our Major Medical Offerings

From shelf-rated level-funded plans to customizable employer-sponsored solutions, Clearwater is your one-stop shop for flexible, affordable coverage designed to fit every client.

Trident

  • Predictable Pricing: Shelf-rated, level-funded plans with clear, consistent costs for easy budgeting.

  • Get Started Quickly: Streamlined enrollment with no customization needed.

  • Comprehensive Coverage: Robust, ACA-compliant protection for total peace of mind.

  • Nationwide PPO Network: Access quality care anytime, anywhere.

CoastCare

  •  Tailored for Employer-Sponsored Groups: Flexible, custom-built level-funded plans designed to fit your group’s needs.

  • Expanded Network Access: More in-network and out-of-network provider options with lower, fixed copays for out-of-network care.

  • Smart Cost Control: Pay only for what your group needs with optimized self-funding strategies.

  • Comprehensive Coverage: Robust, ACA-compliant protection for total peace of mind.

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

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

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.

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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.

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 have a QLE and enroll outside of open enrollment, your effective date is on the first of the month following timely notification of your QLE.

How long does my plan last?

You will keep your healthcare plan until the end of the calendar year, regardless of when you enroll. If there is a qualifying life event, you may be eligible to update or cancel your plan before Open Enrollment.

Can I switch my plan?

You can switch plans during Open Enrollment.  To switch before then, you must have a qualifying life event.

How do I cancel my plan?

To cancel your plan, contact planhelp@clearwatersavings.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.

View all FAQs

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

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