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Wellcare Dual Liberty (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Dual Liberty (HMO 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 D-SNP) in 2026, please refer to our full plan details page.
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 All counties in CT. This plan received an overall rating of 3.5 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.
Important:
Wellcare Dual Liberty (HMO 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 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 D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $35.80. 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 $515.00 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 $9250.00 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 D-SNP) prescription drug plan features an annual drug deductible of $515. For Tier 6 select care drugs, members pay no copay across all pharmacy and mail-order options. Tier 1 preferred generics and Tier 2 generics offer low copays starting at $18 and $19 for a one-month supply, and both tiers feature no copay for a three-month supply when using preferred mail order. Higher-tier medications under this plan are subject to coinsurance rather than flat copays. Tier 3 preferred brands require a 20% coinsurance, while Tier 4 non-preferred drugs carry a 32% coinsurance. Tier 5 specialty drugs require a 25% coinsurance for a one-month supply at both preferred and standard pharmacies.
Additional Benefits
The Wellcare Dual Liberty (HMO D-SNP) offers comprehensive medical coverage, with inpatient hospital stays requiring a copay of $2,230 for acute care or $2,080 for psychiatric care and no coinsurance. Most outpatient services, primary care visits, specialist consultations, and diagnostic tests feature no copay and a 20% coinsurance. Emergency services are covered with a $115 copay, while urgent care requires a $40 copay. Preventive exams, home health services, and over-the-counter items are covered with no copay and no coinsurance. Routine dental, vision, and hearing exams generally feature no copay and a 20% coinsurance, though coverage for hardware like hearing aids and eyewear is excluded. Skilled Nursing Facility care is covered with no copay for days 1 to 20, but requires a $218 daily copay for days 21 through 70.
Inpatient Hospital See details
Inpatient hospital services are covered by Wellcare Dual Liberty (HMO D-SNP) with a $2,230 copay per stay for acute care and a $2,080 copay per stay for psychiatric care, both featuring no coinsurance. Prior authorization is required, and additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by Wellcare Dual Liberty (HMO D-SNP) with no copay and a 20% coinsurance for outpatient hospital, ambulatory surgical center, substance abuse, and blood services. Prior authorization is required for several of these covered outpatient benefits.
Partial Hospitalization See details
Wellcare Dual Liberty (HMO D-SNP) covers partial hospitalization with no copay and a 20% coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Wellcare Dual Liberty (HMO D-SNP), offering Medicare-covered ground and air ambulance services with a 20% coinsurance and no copay. However, transportation services to plan-approved or any other health-related locations are not covered.
Emergency Services See details
Wellcare Dual Liberty (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, and urgently needed services with a $40 copay and no coinsurance. Worldwide emergency and urgent care are partially covered up to a $50,000 limit with a $115 copay and no coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Wellcare Dual Liberty (HMO D-SNP) covers primary care, specialist, therapy, psychiatric, and mental health services with no copay and 20% coinsurance, though prior authorization is often required. Telehealth benefits have a copay of $0 to $40 and 20% coinsurance, while podiatry is not covered, and chiropractic care covers some services but routine and other chiropractic services are not covered.
Preventive Services See details
Preventive Services under Wellcare Dual Liberty (HMO D-SNP) are partially covered, offering annual physical exams, alternative therapies, memory fitness, and remote access technologies with no copay and no coinsurance. Kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and post-Welcome Visit EKGs are covered with no copay and a 20% coinsurance. Several sub-services, including health education, personal emergency response systems, in-home safety assessments, and medical nutrition therapy, are not covered.
Hearing Services See details
Wellcare Dual Liberty (HMO D-SNP) hearing services feature no deductible and include one annual routine exam with a 20% coinsurance and no copay, plus one annual fitting evaluation with no copay, subject to prior authorization. Copayments apply to Medicare-covered hearing exams, and neither prescription nor over-the-counter hearing aids are covered.
Vision Services See details
Vision services covered by Wellcare Dual Liberty (HMO D-SNP) include one routine eye exam per year with no copay, 20% coinsurance, and no deductible, which requires prior authorization. While some eyewear services are covered, contact lenses, eyeglasses, lenses, frames, and upgrades are not covered in practice.
Dental Services See details
Dental services are partially covered by Wellcare Dual Liberty (HMO D-SNP), as maxillofacial prosthetics and orthodontics are not covered. Medicare-covered dental services require no copay and a 20% coinsurance, while other covered dental services feature no copay and no coinsurance up to a $70 monthly maximum.
Home Infusion bundled Services See details
Wellcare Dual Liberty (HMO D-SNP) covers Home Infusion bundled Services with no copay, though prior authorization is required. Medicare Part B insulin drugs are covered under this benefit with a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs require a coinsurance ranging from 0% to 20%.
Dialysis Services See details
Dialysis Services are covered by Wellcare Dual Liberty (HMO D-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Wellcare Dual Liberty (HMO D-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by Wellcare Dual Liberty (HMO D-SNP) with no copay and a 20% coinsurance, subject to prior authorization. This coverage includes outpatient diagnostic procedures, lab tests, therapeutic radiology, and outpatient X-rays.
Home Health Services See details
Wellcare Dual Liberty (HMO D-SNP) covers home health services with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered in practice under the Wellcare Dual Liberty (HMO D-SNP) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services all require a 20% coinsurance despite having no copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Wellcare Dual Liberty (HMO D-SNP) with no coinsurance and no prior three-day hospital stay requirement, though prior authorization is required. There is no copay for days 1 through 20 and days 71 through 100, but a $218 copay per day applies for days 21 through 70, and additional days beyond the 100-day limit are not covered.
Other Services See details
Wellcare Dual Liberty (HMO D-SNP) partially covers other services, providing over-the-counter (OTC) items with no copay and no coinsurance. Acupuncture, meal benefits, and highly integrated dual eligible SNP services are not covered under this benefit.
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