Wellcare Dual Access (HMO-POS D-SNP)

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

It's important to know that Wellcare Dual Access (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 (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 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, copays start as low as $18 and $19 respectively for a one-month supply at preferred pharmacies, with no copay for three-month supplies filled via preferred mail order. Additionally, Tier 6 select care drugs are covered with no copay across all pharmacy and mail order options. Tier 3 preferred brand drugs require a 20% coinsurance, and Tier 5 specialty drugs carry a 25% coinsurance for a one-month supply. Tier 4 non-preferred drugs have a $100 copay for a one-month supply at both preferred and standard pharmacies. For a three-month supply of Tier 4 drugs, using preferred mail order reduces your cost to a $200 copay compared to a $300 copay at standard pharmacies.

Additional Benefits

The Wellcare Dual Access (HMO-POS D-SNP) plan offers comprehensive coverage with many services featuring no copayments, though coinsurance applies to several key benefits. For inpatient hospital stays, members pay a $1,970 copay per stay with no coinsurance, while outpatient services, primary care, specialist visits, and diagnostic tests generally require no copay and a 20% coinsurance. Preventive services, home health care, and routine chiropractic visits are fully covered with no copay and no coinsurance. Supplemental benefits like dental, vision, and hearing offer generous cost savings, including no copays or coinsurance for preventive dental up to a $3,000 annual limit and eyewear up to a $400 allowance. Routine hearing exams require a 20% coinsurance with no copay, while prescription hearing aids are covered up to $750 per ear with no copay or coinsurance. Additionally, members benefit from no copay or coinsurance for over-the-counter items, while Medicare Part B insulin carries a $35 copay with no coinsurance.