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.

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.


Who is the MVP Plan for?

This Major Medical MVP plan is lower-cost, but still offers copays for a limited number of common services, like doctor visits. You can also enjoy a large nationwide PPO network, free virtual mental healthcare, and 27/4 telemedicine visits. This plan is best for members who are interested in being engaged and involved in their care. 

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.

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

Is a Major Medical MVP Plan
right for you?

Create your custom quote online in just under 5 minutes.