Wellcare Dual Access Harmony (HMO-POS D-SNP)

Wellcare Dual Access Harmony (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 AR. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Wellcare Dual Access Harmony (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.

Key Plan Facts

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

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 Access Harmony (HMO-POS D-SNP) prescription drug plan has an annual deductible of $615.00 before the initial coverage phase begins. During this initial phase, preferred generic drugs cost a $19.00 copay at preferred pharmacies or a $20.00 copay at standard pharmacies, while preferred brand drugs require a $100.00 copay. Standard generics and non-preferred drugs carry a 22% and 25% coinsurance respectively, while specialty tier drugs have no copay. For individuals who qualify for the low-income subsidy or Extra Help, the Part D premium may be reduced to $8.90. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Medicare Part D prescriptions. This basic alternative benefit structure helps ensure predictable costs for your essential medications.

Additional Benefits

The Wellcare Dual Access Harmony (HMO-POS D-SNP) plan offers robust coverage for essential medical needs, generally requiring no copay and a 20% coinsurance for outpatient services, doctor visits, diagnostic tests, and medical equipment. Inpatient hospital stays require a $1,970 copay per stay with no coinsurance, while skilled nursing facility stays feature no copay for days 1 to 20 and a $218 daily copay for days 21 to 70. Emergency care is available with a $115 copay, and urgently needed services carry a $40 copay, both with no coinsurance. Beneficiaries can also take advantage of valuable supplemental benefits, including preventive and comprehensive dental care, routine hearing exams, and home health services with no copay and no coinsurance. Routine eye exams and eyeglasses are covered, with eyewear benefits providing up to a $200 annual limit with no copays. Additionally, the plan covers up to 24 one-way transportation trips to plan-approved locations and provides over-the-counter items and meals with no copay and no coinsurance.