Clover Health is a next-generation Medicare Advantage plan that uses technology—data integrations, analytics, and predictive interventions—and light services—care teams consisting of nurse practitioners, social workers, pharmacists, etc.—to lower costs and improve outcomes for seniors. This all starts with their fully-capitated business model, where Medicare pays a set amount monthly for every member. This enables Clover to align closely with physicians by reducing friction (prior authorizations, etc.) and increasing transparency (patient profiles, care coordination, etc.), resulting in improved patient care, greater patient and physician satisfaction, and reduced costs.