Copay Plan

High-quality major medical insurance plans with low copays.

These insurance plans offer copays for common services and opportunities for $0 care.

The Advantages of the Copay Plans

  • $0 Care

    Use Care Coordination to access our preferred network, when available, for no out-of-pocket cost on many services, such as surgeries, imaging, and specialist visits. Plus, get $0 preventive care, $0 24/7 telemedicine, and $0 generic Rx!

  • 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.


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.

Are there age limitations to the memberships? Can I enroll my children?

At the age of 18 a child is eligible to enroll in their own individual plan.  However, a child can stay on a parents plan until the age of 26.  At the age of 26, a child must enroll in their own plan. If someone is 65 or older they are eligible, however, Medicare will likely be a cheaper option with a broader network.

Love from Our Community

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 Benefits), I survived that. And my family survived that.

Terry Hooker
Clearwater Member
Clearwater Member

Clearwater has made it easier for me, and taken off the (financial) burden from my shoulders (by paying $12,000 less a year for a health plan). Under the old healthcare pricing, I used to say, ‘Wow, I’m taking care of one thing, and I’m hurting the other.

Clearwater Member
Clearwater Member

Clearwater 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. I highly recommend Clearwater for an honest look at your healthcare.

Clearwater Member
Clearwater Member

Better care. Better cost.


Average annual savings


Network upgrade


Out-of-pocket savings

*Estimate is based on an average of annual data and will not apply to every individual customer.

Is a Major Medical Copay Plan right for you?

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