Wellcare Dual Liberty Nurture (HMO-POS D-SNP)

Wellcare Dual Liberty Nurture (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 Liberty Nurture (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 Liberty Nurture (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 Liberty Nurture (HMO-POS D-SNP) plan features a prescription drug deductible of $615.00, which may be reduced to $8.90 for individuals who qualify for the low-income subsidy. During the initial coverage phase, Tier 1 preferred generic drugs require a $19.00 copay at preferred pharmacies or a $20.00 copay at standard pharmacies, while Tier 3 preferred brands cost a $100.00 copay. Tier 2 standard generics carry a 20% coinsurance, and Tier 4 non-preferred drugs have a 25% coinsurance. Notably, there is no copay for Tier 5 specialty tier drugs at both preferred and standard pharmacies. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will pay nothing for covered Part D prescription drugs.

Additional Benefits

The Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan offers comprehensive medical coverage, featuring a $1,900 copay per stay with no coinsurance for inpatient hospital services and a 20% coinsurance with no copay for outpatient care, primary care, and specialist visits. Emergency room visits require a $115 copay, while urgent care has a $40 copay. Skilled nursing facility stays are covered with no copay for days 1 through 20 and 71 through 100, though a $218 daily copay applies for days 21 through 70. Beneficiaries enjoy robust supplemental benefits, including dental, vision, and hearing care with no copay for most routine preventive services, alongside a 20% coinsurance for exams. The plan also includes valuable extras like up to 24 one-way transportation trips per year, home health services, and over-the-counter items with no copay and no coinsurance. Diagnostic tests, medical equipment, and dialysis are also covered, generally requiring a 20% coinsurance and no copay.