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Wellcare Giveback Dividend (HMO-POS)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Giveback Dividend (HMO-POS). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Wellcare Giveback Dividend (HMO-POS) in 2025, please refer to our full plan details page.
Wellcare Giveback Dividend (HMO-POS) is a HMO-POS 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 Giveback Dividend (HMO-POS) 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 Giveback Dividend (HMO-POS).
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 Giveback Dividend (HMO-POS), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $48.70. You must continue to pay paying your reduced 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 $420.00 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 $7550.00 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 Giveback Dividend (HMO-POS) plan has a $420 deductible for prescription drugs. After the deductible is met, you will pay a copay or coinsurance for your prescriptions depending on the drug tier and the pharmacy you use. For example, preferred generic drugs have no copay at preferred pharmacies and preferred mail order, but have a $10 copay at standard pharmacies and standard mail order. Specialty tier drugs have no copay.
Additional Benefits
The Wellcare Giveback Dividend (HMO-POS) plan offers a range of benefits with varying costs. Inpatient hospital stays require a copay, with outpatient services having copays depending on the service. Emergency and urgent care services have copays, while primary care physician services, preventive services, and many vision and dental services have no copay. The plan also covers services like hearing exams, hearing aids, and home health services with no copay. Other services include transportation, dialysis, and medical equipment with copays or coinsurance. However, some services, such as cardiac rehabilitation and additional hours of care are not covered.
Inpatient Hospital See details
Inpatient Hospital coverage, including acute and psychiatric services, is covered under the Wellcare Giveback Dividend (HMO-POS) plan. For acute services, you'll pay a $475 copay for days 1-4 and no copay for days 5-90, while psychiatric services have a $440 copay for days 1-4 and no copay for days 5-90.
Outpatient Services See details
Outpatient services include coverage for outpatient hospital services with a copay between $0 and $350, observation services with a copay between $110 and $350, and ambulatory surgical center services with a $250 copay. Outpatient substance abuse services have a $40 copay for both individual and group sessions, and outpatient blood services have no copay.
Partial Hospitalization See details
Partial Hospitalization is covered by the Wellcare Giveback Dividend (HMO-POS) plan. This benefit requires prior authorization and has a copay of $80.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Wellcare Giveback Dividend (HMO-POS) plan, with a $300 copay for both ground and air ambulance services; transportation services to health-related locations are not covered. Prior authorization is required for all ambulance services, and there is no coinsurance.
Emergency Services See details
Emergency services, including urgent care, have a $110 copay, while urgently needed services have a $40 copay; no coinsurance applies to any of these services. Worldwide emergency coverage and worldwide urgent coverage have a $110 copay, while worldwide emergency transportation is not covered.
Primary Care See details
The Wellcare Giveback Dividend (HMO-POS) plan covers primary care physician services with no copay, chiropractic services with a $15 copay, occupational therapy services with a $35 copay, physician specialist services with a $50 copay, mental health specialty services with a $40 copay for individual and group sessions, other health care professional services with a $0-$50 copay, psychiatric services with a $40 copay for individual and group sessions, physical therapy and speech-language pathology services with a $40 copay, additional telehealth benefits with a $0-$50 copay, and opioid treatment program services with a $50 copay. Routine chiropractic care and podiatry services are not covered.
Preventive Services See details
Preventive Services include coverage for Medicare-covered preventive services, annual physical exams with no copay, and additional preventive services. Some services covered under additional preventive services have a copay, and Kidney Disease Education Services have a 20% coinsurance. Other preventive services include coverage for Glaucoma Screening, Diabetes Self-Management Training, Barium Enemas, Digital Rectal Exams, and EKG following Welcome Visit with no copay.
Hearing Services See details
Hearing exams are covered with a $50 copay, and routine hearing exams and fitting/evaluation for hearing aids have no copay. Prescription hearing aids (all types) are covered with no copay, but inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
The Wellcare Giveback Dividend (HMO-POS) plan covers vision services, including eye exams with a copay of $0-$50, and eyewear with no copay. Eyewear benefits include contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades, all with no copay, and a combined maximum benefit of $100 per year.
Dental Services See details
Dental services include coverage for Medicare dental services with a $50 copay, oral exams, dental x-rays, other diagnostic dental services, prophylaxis (cleaning), fluoride treatment, and other preventative dental services with no copay. Orthodontic services are also covered. However, restorative services, endodontics, periodontics, prosthodontics, maxillofacial prosthetics, implant services, oral and maxillofacial surgery, 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. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Wellcare Giveback Dividend (HMO-POS) plan. The plan has a coinsurance of 20% for dialysis services.
Medical Equipment See details
Medical equipment is covered, including durable medical equipment (DME) with 20% coinsurance and prior authorization required, and prosthetic devices and medical supplies with a 20% coinsurance, as well as diabetic equipment, with coinsurance and copay costs varying by service. Diabetic supplies have no copay, while diabetic therapeutic shoes/inserts have 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Wellcare Giveback Dividend (HMO-POS) plan. Diagnostic Procedures/Tests have a copay between $0 and $50, while Lab Services have no copay. Diagnostic Radiological Services have a copay up to $350, Therapeutic Radiological Services have 20% coinsurance, and Outpatient X-Ray Services have a $25 copay.
Home Health Services See details
Home Health Services are covered by the Wellcare Giveback Dividend (HMO-POS) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered by the Wellcare Giveback Dividend (HMO-POS) plan. The plan does not cover Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, or Additional Cardiac Rehabilitation Services.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Wellcare Giveback Dividend (HMO-POS) plan. You will have no copay for days 1-20 and 61-100, and a $214 copay for days 21-60.
Other Services See details
Other Services are not covered by the Wellcare Giveback Dividend (HMO-POS) plan. Specifically, acupuncture, over-the-counter items, meal benefits, and several other services are not covered.
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