# Clover Health

**Canonical:** https://apis.io/providers/clover-health/  
**Website:** https://www.cloverhealth.com  
**APIs profiled:** 1

Clover Health is a Medicare Advantage health insurer that runs a public developer program built on healthcare interoperability standards. Its public FHIR R4 API exposes a Formulary service (covered drugs, tiers, and utilization management) and a Provider Directory service (practitioners, organizations, locations, healthcare services, and insurance plans), and a separate consent-based Patient Access API delivers a member's clinical and claims data in FHIR-native format via CareEvolution. The APIs implement the CMS Interoperability and Patient Access final rule (CMS-9115-F); Clover was the first payer to go live on a CMS-aligned/TEFCA network. Developers register for approved credentials and authenticate with HTTP Basic or a session cookie.

## Kin Score — 45.6 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 45.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 55.1 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 44.6 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Health**: 65.0 (matched via tags).

## Agent readiness — 24.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | na |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | na |
| Error Semantics | no |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | na |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **Clover Health fhir-r4-formulary-api API** — The fhir-r4-formulary-api API from Clover Health — 5 operation(s) for fhir-r4-formulary-api.
- **Clover Health FHIR R4 ProviderDirectory API API** — The FHIR R4 ProviderDirectory API API from Clover Health — 17 operation(s) for fhir r4 providerdirectory api.

## MCP servers (1)

- **Clover Health MCP Server**

## Security (3)

- **Clover Health Authentication** — apiKey/http · 2 schemes
- **Clover Health Domain Security** — TLSv1.3 · HSTS · DMARC
- **Clover Health Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Healthcare, Health Insurance, Medicare Advantage, FHIR, Interoperability, Provider Directory, Formulary, Patient Access, Payer

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/clover-health/). Scores are computed from the provider's own public artifacts under a published rubric.