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Wellcare Dual Liberty (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Dual Liberty (HMO-POS D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Wellcare Dual Liberty (HMO-POS D-SNP) in 2025, please refer to our full plan details page.
Wellcare Dual Liberty (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Centene Corporation available for enrollment in 2025 to people living in Select Counties in Washington. The overall rating for this plan is not yet available for 2025.
It's important to know that Wellcare Dual Liberty (HMO-POS D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Wellcare Dual Liberty (HMO-POS D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Wellcare Dual Liberty (HMO-POS D-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Wellcare Dual Liberty (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $23.40. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $590.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9350.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Wellcare Dual Liberty (HMO-POS D-SNP) plan has a $590.00 deductible for prescription drugs. Once the deductible is met, you will pay the costs for drugs in each tier until your total drug costs reach $2000.00. If you qualify for the low-income subsidy, your Part D premium is $23.40. After your yearly out-of-pocket drug costs reach $2000.00, you pay nothing for Medicare Part D covered drugs.
Additional Benefits
The Wellcare Dual Liberty (HMO-POS D-SNP) plan offers a range of benefits with varying costs. You'll pay a $2,170 copay for inpatient hospital stays, while outpatient services and primary care have a 20% coinsurance. The plan also includes no copay for services such as routine chiropractic care, routine hearing exams, and many dental services, as well as no copay for home health services, acupuncture, and OTC items. Additional benefits include coverage for emergency services with a copay, transportation services, and several preventive services with no copay. Hearing aids are covered with no copay up to a maximum benefit, and vision services include eye exams and eyewear with a 20% coinsurance. The plan also covers home infusion, dialysis, medical equipment, and skilled nursing facility stays with specific cost-sharing arrangements.
Inpatient Hospital See details
Inpatient Hospital benefits are covered under the Wellcare Dual Liberty (HMO-POS D-SNP) plan, with prior authorization required. Inpatient Hospital-Acute has a copay of $2,170 per admission or stay, while Inpatient Hospital Psychiatric has a copay of $2,036 per admission or stay; additional days, and non-Medicare covered stays are not covered.
Outpatient Services See details
Outpatient Services include coverage for outpatient hospital services with a 20% coinsurance and no copay, observation services with a 20% coinsurance, ambulatory surgical center services with a 20% coinsurance, outpatient substance abuse services with a 20% coinsurance, and outpatient blood services with a 20% coinsurance. The plan waives the deductible for three pints of blood.
Partial Hospitalization See details
Partial Hospitalization is covered under the Wellcare Dual Liberty (HMO-POS D-SNP) plan, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered, with prior authorization required. Ground and Air Ambulance Services have a 20% coinsurance. Transportation Services to a plan-approved health-related location are covered with no copay, and include up to 24 one-way trips per year via rideshare services, bus/subway, or medical transport; transportation to any health-related location is not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Coverage are covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan. Emergency Services have a $110 copay, Urgently Needed Services have a $45 copay, and Worldwide Emergency Coverage has a $110 copay. Worldwide Emergency Transportation is not covered.
Primary Care See details
The Wellcare Dual Liberty (HMO-POS D-SNP) plan covers Primary Care Physician Services with a 20% coinsurance. Chiropractic Services have no copay, and Routine Chiropractic Care has no copay for up to 24 visits per year. Occupational Therapy Services, Physician Specialist Services, Physical Therapy and Speech-Language Pathology Services, Individual and Group Sessions for Mental Health and Psychiatric Services, Other Health Care Professional, and Opioid Treatment Program Services all have a 20% coinsurance. Additional Telehealth Benefits have a 20% coinsurance and a copay between $0 and $45. Podiatry Services have a 20% coinsurance and no copay for Medicare-covered podiatry services.
Preventive Services See details
Preventive Services include an annual physical exam with no copay, and additional preventive services, alternative therapies, therapeutic massage, personal emergency response systems, fitness benefits, remote access technologies, and home and bathroom safety devices and modifications with no copay. Glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following a welcome visit have a 20% coinsurance. Kidney disease education services have a 20% coinsurance. Health education, in-home safety assessments, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for hair loss related to chemotherapy, weight management programs, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, support for caregivers of enrollees, additional sessions of smoking and tobacco cessation counseling, and counseling services are not covered.
Hearing Services See details
Hearing exams are covered with a coinsurance of at most 20% for routine hearing exams, and no copay. Prescription hearing aids are covered with no copay and a maximum benefit of $1000 per year, while prescription hearing aids of the inner ear, outer ear, and over the ear are not covered.
Vision Services See details
Vision services are covered, including eye exams and eyewear. Eye exams have a 20% coinsurance with no copay, while routine eye exams have no copay. Eyewear has a 20% coinsurance, with no copay for contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
Dental Services See details
The Wellcare Dual Liberty (HMO-POS D-SNP) plan covers dental services, including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery with no copay. Medicare dental services have a 20% coinsurance. Orthodontic services are covered up to a maximum of $4000 per year. Maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan, with a coinsurance between 20% and 20%.
Medical Equipment See details
Medical equipment is covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan. Durable Medical Equipment (DME) has a 20% coinsurance, while Durable Medical Equipment for use outside the home is not covered. Prosthetics/Medical Supplies - Non-Medicare benefit has a coinsurance, and the plan covers Medicare-covered Prosthetic Devices, and Medicare-covered Medical Supplies. Diabetic equipment has a coinsurance, and includes Medicare-covered Diabetic Supplies, and Medicare-covered Diabetic Therapeutic Shoes or Inserts, each with a 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan. Diagnostic Procedures/Tests and Radiological Services may have a coinsurance of up to 20%, while Lab Services have no copay and a coinsurance of up to 20%.
Home Health Services See details
Home Health Services are covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan with no copay and no coinsurance. However, additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Wellcare Dual Liberty (HMO-POS D-SNP) plan, but require prior authorization. There is no copay for days 1-20, and a $214 copay for days 21-100. Additional days beyond Medicare-covered and non-Medicare-covered SNF stays are not covered.
Other Services See details
Under the "Other Services" benefit, acupuncture and over-the-counter (OTC) items are covered with no copay; acupuncture requires prior authorization and has a limit of 24 treatments per year. The plan also covers a meal benefit with no copay and a doctor referral. However, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, and several other services are not covered.
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