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Wellcare Dual Liberty Nurture (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Dual Liberty Nurture (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 Wellcare Dual Liberty Nurture (HMO-POS D-SNP) in 2025, please refer to our full plan details page.
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 3.5 out of 5 stars in 2025.
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.
Important:
Wellcare Dual Liberty Nurture (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 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.
For Wellcare Dual Liberty Nurture (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $17.50. 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 $590.00 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 $9350.00 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 Nurture (HMO-POS D-SNP) plan has a $590.00 deductible for prescription drugs. After the deductible is met, you will pay the costs for your drugs based on the tier and pharmacy you use until your total drug costs reach $2000.00. If you qualify for the low-income subsidy, the plan premium is $17.50. Once your yearly out-of-pocket drug costs reach $2000.00, you pay nothing for covered drugs.
Additional Benefits
The Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan offers a wide range of benefits with varying cost-sharing. Hospital stays have a high copay per admission, while outpatient services typically involve coinsurance. Many services, including preventive care, have no copay, and some, like dental, vision, and hearing, have specific copays and coinsurance, with some offering additional coverage. This plan also provides coverage for ambulance and transportation services, including non-Medicare-covered options, with coinsurance or no copay depending on the service. Other notable benefits include home health services with no copay, skilled nursing facility care with a copay after 20 days, and over-the-counter items with no copay. However, some services, such as cardiac rehabilitation and certain additional services, are not covered.
Inpatient Hospital See details
Inpatient Hospital benefits, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric, are covered, each with a copay of $1970 per admission or stay for Medicare-covered stays. Additional days, non-Medicare-covered stays, and upgrades for both Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services, Observation Services, Ambulatory Surgical Center (ASC) Services, Outpatient Substance Abuse Services, and Outpatient Blood Services. Outpatient Hospital Services have a 20% coinsurance with no copay, and Observation Services have a 20% coinsurance with no copay. Ambulatory Surgical Center (ASC) Services, Individual Sessions for Outpatient Substance Abuse, and Group Sessions for Outpatient Substance Abuse have a 20% coinsurance. Outpatient Blood Services have a 20% coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered, but requires prior authorization. You will pay a 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services, including services not usually covered by Medicare, are covered. Ground and air ambulance services have a 20% coinsurance, and transportation services to a plan-approved health-related location have no copay, with up to 24 one-way trips per year via rideshare, bus/subway, or medical transport. Transportation services to any health-related location are not covered.
Emergency Services See details
Emergency services are covered under the Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan with a $110 copay and no coinsurance. Urgently needed services have a $45 copay with no coinsurance. Worldwide emergency coverage has a $110 copay and no coinsurance, while worldwide urgent coverage has a $110 copay and no coinsurance. Worldwide emergency transportation is not covered.
Primary Care See details
The Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan covers Primary Care Physician Services, Chiropractic Services, Occupational Therapy Services, Physician Specialist Services, Mental Health Specialty Services, Podiatry Services, Other Health Care Professional, Psychiatric Services, Physical Therapy and Speech-Language Pathology Services, Additional Telehealth Benefits, and Opioid Treatment Program Services. Primary Care Physician Services, Physician Specialist Services, Physical Therapy, and Speech-Language Pathology Services have a 20% coinsurance. Routine Foot Care has a 20% coinsurance and no copay, while other Medicare-covered podiatry services have no copay. Additional telehealth benefits have a 20% coinsurance and a copay between $0 and $45. Individual and group mental health and psychiatric sessions have a 20% coinsurance. Occupational Therapy Services, and Opioid Treatment Program Services have a 20% coinsurance. Chiropractic Services and Opioid Treatment Program Services require prior authorization, and routine chiropractic care is not covered.
Preventive Services See details
Preventive services, including annual physical exams, are covered with no copay. Other preventive services, such as glaucoma screenings, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a Welcome Visit, have a 20% coinsurance. Some services, like health education, are not covered.
Hearing Services See details
Hearing services include coverage for hearing exams, with a coinsurance of at most 20% for routine hearing exams, and a fitting/evaluation for hearing aids with no copay. Prescription hearing aids are covered with no copay, but inner ear, outer ear, and over the ear hearing aids are not covered, and OTC hearing aids are not covered.
Vision Services See details
Vision services, including services not usually covered by Medicare, are covered. Eye exams have a 20% coinsurance with no copay, and routine eye exams have no copay. Eyewear has a 20% coinsurance, and contact lenses have no copay. Eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades have no copay, with a combined maximum plan benefit coverage of $200 every year.
Dental Services See details
The Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan covers Medicare Dental Services with 20% coinsurance, and other dental services including oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, other preventive dental services, restorative services, adjunctive general services, endodontics, periodontics, prosthodontics (removable and fixed), and oral and maxillofacial surgery with no copay. Orthodontic services have a $2000 maximum benefit per year, while maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, including Medicare Part B Insulin Drugs with a $35 copay, and Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs with coinsurance between 0-20%. Prior authorization is required.
Dialysis Services See details
Dialysis Services are covered by the Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan. You will pay 20% coinsurance for these services.
Medical Equipment See details
Medical Equipment is covered, including Durable Medical Equipment with a 20% coinsurance and no copay, Prosthetics/Medical Supplies with a 20% coinsurance and no copay, and Diabetic Equipment with a 20% coinsurance. Durable Medical Equipment for use outside the home is not covered.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan. Diagnostic Procedures/Tests and Radiological Services have at most 20% coinsurance, while Lab Services have no copay and at most 20% coinsurance.
Home Health Services See details
Home Health Services are covered by the Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan with no copay and no coinsurance, but additional hours of care and personal care services are not covered. Authorization is required for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan. Specifically, Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan. There is no copay for days 1-20, and a $214 copay for days 21-100.
Other Services See details
The Wellcare Dual Liberty Nurture (HMO-POS D-SNP) plan covers Over-the-Counter (OTC) Items with no copay. Other services like acupuncture, meal benefits, and additional services are not covered.
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