Clover Health Investor Presentation Deck
A Different Approach To Healthcare
Stakeholder
Consumer Experience
Physician Experience
Government and Taxpayers
ā
Conventional Value Proposition
Offers narrow network coverage
Works with a narrow set of providers,
predominantly those sophisticated enough to
take on risk
Focus on risk adjustment and risk-sharing
does not lower costs over the long-term
Narrow network approach does not promote
health equity
Clover Value Proposition
Offers wide network coverage via a PPO with
lower than HMO costs, in traditionally served
and underserved markets alike
Works with all providers and enables them to
deliver better, more efficient care via the
Clover Assistant
Drives incentives via simple, enhanced
payment structure
Technology creates potential for cost savings
and outcomes improvement nationwide,
including underserved markets
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