Clover Health Investor Day Presentation Deck

Step 3: Clover Leverages Technology To Impute Best-In- Class Complex Care Protocols At Scale Cost Structure Member Identification Member Engagement Care Delivery Approach Typical MA Insurer With 3rd Party Vendors ~5% of membership account for 40%+ of costs Complex care savings shared with vendors Eligible members identified via 3rd party vendors with access to latent claims data Via 3rd party vendors, often creating friction with members' chosen providers Brick-and-mortar care Clover With The Clover Assistant ~5% of membership account for 40%+ of costs Complex care savings retained by Clover Eligible members identified immediately via closed loop system Via conversations and collaboration with members' chosen PCPs Asset-light, software-driven care at the Home Clover generates program savings across a greater scale of the eligible population by having more accurate identification and higher engagement. 16

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