A non-government entity
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellpoint Full Dual Advantage 2 (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 Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) in 2026, please refer to our full plan details page.
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Elevance Health, Inc. available for enrollment in 2025 to people living in Select Counties in Iowa. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Wellpoint Full Dual Advantage 2 (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:
Wellpoint Full Dual Advantage 2 (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 Wellpoint Full Dual Advantage 2 (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 Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $31.70. 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 $615.00 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:
Sign up for Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) plan features an annual drug deductible of $615. Beneficiaries enjoy no copay for Tier 1 preferred generic and Tier 6 select care drugs filled through standard pharmacies or standard mail order. This cost-saving benefit applies to one-month, two-month, and three-month supplies of these medications. For other prescription tiers, a 25% coinsurance applies to Tier 2 generic, Tier 3 preferred brand, and Tier 4 non-preferred drugs for up to a three-month supply. Tier 5 specialty drugs also require a 25% coinsurance, which is restricted to a one-month supply at standard pharmacies and standard mail order.
Additional Benefits
The Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) plan offers robust medical coverage featuring no copay and no coinsurance for inpatient hospital stays, skilled nursing facility care, and home health services. For outpatient services, primary care, specialist visits, and diagnostic testing, members pay no copay but are typically responsible for a 20% coinsurance. Emergency care is covered with a $115 copay and urgent care with a $20 copay, both of which feature no coinsurance and no deductible. Supplemental benefits are highly generous, offering comprehensive dental care up to a $4,000 annual limit and hearing aids up to a $3,000 limit with no copay and no coinsurance. Routine vision exams and eyewear are covered with no copay, though eyewear carries a 20% coinsurance up to a $425 yearly allowance. Members also benefit from up to 24 one-way transportation trips per year and over-the-counter items at no copay and no coinsurance.
Inpatient Hospital See details
Inpatient hospital services are partially covered by Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) with no copay and no coinsurance for acute and psychiatric stays, though prior authorization is required. Additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers outpatient services with no copay, though a 20% coinsurance and prior authorization are required for outpatient hospital, observation, ambulatory surgical center, and outpatient substance abuse services. Outpatient blood services are covered with no copay, no coinsurance, and no deductible.
Partial Hospitalization See details
Partial hospitalization services are covered under the Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) plan with a $60.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP), featuring a 20% coinsurance and no copay for prior-authorized ground and air ambulance services. Transportation is partially covered, offering no copay and no coinsurance for up to 24 one-way trips per year to plan-approved health-related locations, though transportation to any health-related location is not covered.
Emergency Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers emergency services with a $115 copay and urgently needed services with a $20 copay, both featuring no coinsurance and no deductible. Worldwide emergency, urgent, and transportation services are also covered with no copay and no coinsurance, up to a maximum plan benefit of $100,000.
Primary Care See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers primary care, specialist, therapy, mental health, podiatry, and psychiatric services with no copay and 20% coinsurance, while telehealth benefits have no copay and no coinsurance. For chiropractic services, some services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers preventive services with no copay and no coinsurance for annual physical exams, kidney disease education, and select supplemental benefits like fitness programs and personal emergency response systems. Additional preventive benefits are partially covered, excluding services such as health education, in-home safety assessments, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, caregiver support, smoking cessation, enhanced disease management, telemonitoring, and counseling. Other preventive services, including glaucoma screenings and diabetes self-management training, have no copay but require a 20% coinsurance.
Hearing Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) offers hearing services with no deductible, including routine exams with a 20% coinsurance and no copay, and fitting evaluations with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to a $3,000 annual limit, though inner ear, outer ear, and over the ear models are not covered. OTC hearing aids are also covered with no copay or coinsurance up to a $300 yearly limit.
Vision Services See details
Vision services are partially covered by Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP), which offers one routine eye exam annually with no copay and 20% coinsurance, though other eye exams are not covered. Eyewear is covered up to $425 yearly with no deductible and no copay for lenses, frames, and contacts (which require a 20% coinsurance), but upgrades are not covered.
Dental Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) partially covers dental services with no copay and no coinsurance for most preventive and comprehensive care up to a $4,000 annual limit, while Medicare-covered dental services require no copay and a 20% coinsurance. Implant services and orthodontics are not covered under this plan.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) plan with no copay, though prior authorization is required. Medicare Part B insulin drugs are covered with a $35 copay and no coinsurance, while chemotherapy, radiation, and other Part B drugs carry a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by the Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers medical equipment, offering durable medical equipment (DME) with no copay and 0% to 20% coinsurance. Prosthetic devices and medical supplies are covered with no copay and 20% coinsurance, while diabetic equipment and supplies feature no copay and no coinsurance.
Diagnostic and Radiological Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers diagnostic and radiological services with no copay and a 20% coinsurance, although prior authorization is required. This coverage includes diagnostic procedures, lab services, diagnostic and therapeutic radiological services, and outpatient X-ray services.
Home Health Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) covers home health services with no copay and no coinsurance. Prior authorization is required to access this benefit.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) with no copay and require prior authorization, but only some services are covered. Specifically, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled nursing facility (SNF) services are covered under the Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) plan with no copay and no coinsurance, though prior authorization is required. While a three-day prior inpatient hospital stay is not required for admission, additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Wellpoint Full Dual Advantage 2 (HMO-POS D-SNP) partially covers other services, offering over-the-counter items, meal benefits for chronic illnesses, and Medicare community resource support with no copay and no coinsurance. Acupuncture is not covered under this benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved