Wellcare Dual Liberty (HMO D-SNP)

Wellcare Dual Liberty (HMO D-SNP) is a HMO D-SNP plan offered by Centene Corporation available for enrollment in 2025 to people living in Select counties in TX. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that Wellcare Dual Liberty (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Wellcare Dual Liberty (HMO 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.

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:

Drug Coverage

The Wellcare Dual Liberty (HMO D-SNP) prescription drug plan features an annual drug deductible of $520. For Tier 1 preferred generic and Tier 2 generic medications, copays range from $18 to $20 for a one-month supply, but you can enjoy no copay for a three-month supply when using preferred mail order. Additionally, Tier 6 select care drugs are highly accessible with no copay required for any supply duration at standard or preferred pharmacies. For brand-name and specialized medications, costs are structured as coinsurance. Tier 3 preferred brands require 20% coinsurance, Tier 4 non-preferred drugs require 30% coinsurance, and Tier 5 specialty tier drugs carry a 25% coinsurance for a one-month supply. Understanding these tier structures can help you estimate your out-of-pocket costs and maximize your savings with this Wellcare plan.

Additional Benefits

The Wellcare Dual Liberty (HMO D-SNP) offers robust coverage with low out-of-pocket costs, featuring no copay and a 20% coinsurance for primary care, specialist visits, and outpatient services. Inpatient hospital stays require a $1,920 copayment per stay with no coinsurance, while emergency services have a $115 copay that is waived if you are admitted. Additionally, skilled nursing facility care is highly affordable, offering no copay for days 1 to 20 and days 71 to 100. This plan also provides excellent supplemental benefits, including preventive and comprehensive dental care, home health services, and over-the-counter items with no copay and no coinsurance. Routine vision and hearing exams are covered with no copay and a 20% coinsurance, alongside generous annual allowances of $400 for eyewear and up to $1,000 per ear for prescription hearing aids. Members also benefit from no copay and no coinsurance for up to 48 one-way transportation trips per year to plan-approved locations.