Answers in one page.

The plan itself isn't different — coverage, doctors, monthly contribution, emergency benefits, all unchanged. What changed is the technology underneath: how routine visits and prescriptions get paid for. Now there's a virtual debit card that the plan pre-loads with benefit dollars before each routine visit, so the visit settles in real time at the office instead of going through a claims process that takes weeks.

No. Same plan, same membership, same contribution, same doctors, same benefits. The upgrade only swaps out the payment system. You were automatically enrolled — there's nothing to re-apply for and no new paperwork.

Three reasons. First, real-time settlement means members never see surprise bills weeks after a visit — what you pay is what the app shows you before the appointment. Second, cash-pay rates are usually 40 to 80 percent lower than traditional insurance-billed rates, so the plan's money goes further. Third, the new payment path removes the network restriction for routine visits, so members can see more providers.

No deadline to worry about. The upgrade went live May 1, 2026. If you haven't logged into the portal and downloaded the app yet, you can do it any time before your next routine visit. Three steps, five minutes — see the SmartPay setup guide or call Freya to walk through it.

Yes. The upgrade didn't change your doctor list — keep the providers you have. For routine care, the upgrade actually expands your options: any provider that accepts credit or debit cards can be paid through SmartPay. For hospital, emergency, and specialty care, the existing network rules apply just like before.

For routine care — yes, in most cases. If they accept a debit card, you can pay through SmartPay at the visit. Call Freya at (833) 968-4289 and tell her the provider's name and the visit type — she'll confirm whether SmartPay covers it.

Re-state it plainly: "I'm paying self-pay today. I'm not asking you to bill anyone. I have a card to pay the cash price at the time of service. Please charge me as a cash-pay patient." If they still resist, offer to message Savvos support from the SmartPay app while you're at the office — they can talk directly to the billing desk. Full escalation sequence is on the SmartPay page.

One phrase: "I'll be self-pay paying with a debit card." Then hand them the virtual card from the SmartPay app. Don't say "cash-pay" (some desks ask for actual cash). Don't say "I have insurance" (triggers a different billing path).

For specialists, Savvos support helps you find a quality provider at an affordable facility. Open the SmartPay app, tap Visits, tap In-Person Visit, then tap Specialist — share the basic details and tap Start Visit. That opens a chat with the support team who'll handle the scheduling and the cost. Then you go like a normal visit: use the card, get a receipt.

No. Same amount, same date, same payment method. The upgrade is on the payment-out side, not the contribution side.

No. The SmartPay virtual card is loaded with the plan's money, not yours. The plan pre-loads the benefit amount onto the card before the visit, the provider charges the card, and the plan's money pays them directly. Your bank account isn't touched. Your monthly contribution hasn't changed and there's nothing additional coming out for the visit.

For routine care, yes — usually significantly lower. Cash-pay pricing is typically 40 to 80 percent below traditional insurance-billed rates. Specific savings depend on your provider, your zip code, and the procedure. As an example: a diagnostic MRI often costs around $4,500 through traditional billing but settles around $400 through SmartPay at cash-pay rates.

That shouldn't happen — the app pre-loads a specific benefit amount, the provider runs it at the visit, and the transaction closes there. If you're billed for something afterward, message Savvos support from the app or call Freya at (833) 968-4289 with the bill details. There's no scenario where you should be paying out of pocket on a covered visit.

Same as before — unchanged. The upgrade didn't redesign benefits. For your specific maximum, call member services at (877) 405-2926 or sign in to savvos.com/clearwater/login to view your plan details.

iPhone: App Store link. Android: Google Play link. Important: log into the portal at savvos.com/clearwater/login and verify your info BEFORE downloading the app — the app won't activate until portal verification is done.

Portal verification has to happen first. Go to savvos.com/clearwater/login, sign in with the email on your plan, and walk through the verify-your-info screens. Once that's done, sign back into the app with the same email and you'll be in.

Yes. The portal at savvos.com/clearwater/login covers most of what the app does. You can also call (877) 405-2926 before each visit and the member services team will handle the card setup over the phone. Members who go this route should call about 24 hours before each routine appointment.

That's where your active virtual payment card lives for the current visit. Tap Pay at the front desk to display the card image — the office runs it like any debit card. The card only shows up there when you have an active visit started in the Visits tab.

Yes. When you start a visit, you select who the visit is for from your dependents list. The benefit amount and the card adjust accordingly.

Three paths, mostly $0. Tier 1 (~1,300 drugs): show your member ID at any in-network pharmacy, pay $0. Tier 2 (~120 specialty drugs): call Clearwater Direct first to load a virtual card, then bring it to the pharmacy, pay $0. Discount card backup: for non-formulary drugs, you save 30-80 percent at 60,000+ pharmacies. See the full prescription guide.

Ask Freya — she can look it up in the formulary in under thirty seconds. Call (833) 968-4289 or chat with her. Both brand and generic names work — she'll tell you the tier, what you'd pay, and exactly how to get it filled.

Your plan includes a discount card that saves 30 to 80 percent at over 60,000 pharmacies. It's not insurance and there's no enrollment — just look up your drug at the partner site and show the coupon at the pharmacy. See the discount card page for details.

They work for different drugs, not at the same time. Formulary drugs: $0 with your member ID. Non-formulary: discount card.

Call 911 or go to the ER like you always would. Your emergency and hospital coverage didn't change with the upgrade — same benefits, same process. After the emergency, contact Clearwater so they can guide the follow-up on your behalf.

SmartPay is built for routine care — primary care, urgent care, specialists, imaging, mental health. Hospital and emergency care still flow through the existing system. For planned hospital procedures, call (877) 405-2926 first.

Visits before May 1, 2026 are processed under the prior system — claims still get filed and paid that way. The upgrade only affects visits on or after May 1.

Your digital ID card is in the SmartPay app under the Cards tab — you can show it from your phone at any pharmacy. For a physical replacement, call member services at (877) 405-2926.

Sign in to savvos.com/clearwater/login and edit your profile. For changes that need approval (adding a dependent, etc.), call member services.

Member services at (877) 405-2926, Mon-Fri 7am-7pm Central (Saturday 9am-5pm Central). Or email members@clearwatersavings.com. Freya doesn't have access to your individual account so she'll point you to the same team — calling them directly is faster.

No. ClearShare is a healthcare sharing membership — a different model where members share in medical costs. It looks like insurance from the outside (member ID, monthly contribution, network of providers) but operates under different rules and regulations.