Wellcare Giveback Dividend (HMO-POS)

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 out of 5 stars in 2026.

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.

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 Giveback Dividend (HMO-POS) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $485.00. After meeting this deductible, you will enjoy no copay for Tier 1 preferred generics at preferred pharmacies, though standard pharmacies charge a $10.00 copay. For other tiers during the initial coverage phase, you will pay a 25% coinsurance for Tier 2 standard generics and Tier 4 non-preferred drugs, a 48% coinsurance for Tier 3 preferred brands, and no copay for Tier 5 specialty drugs. These initial coverage rates apply until your yearly out-of-pocket drug costs reach $2,100.00, which transitions you into the catastrophic coverage phase. Once you reach this threshold, you pay nothing for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy can receive a premium reduction, lowering their Part D cost to zero.

Additional Benefits

The Wellcare Giveback Dividend (HMO-POS) plan offers affordable everyday care with no copays for primary care visits, home health services, and routine preventive exams. Beneficiaries can access essential dental, vision, and hearing benefits, including no copays for routine eye exams, eyewear up to a $200 annual allowance, and preventive dental care up to a $1,000 yearly limit. Specialist visits and Medicare-covered dental care require a $50 copay, with no coinsurance for these routine services. For acute medical needs, inpatient hospital stays require a daily copay for the first four days followed by no copay, while emergency room visits have a $115 copay. Outpatient care and diagnostic services generally feature no coinsurance and variable copays, though medical equipment and dialysis require a 20% coinsurance. Please note that this plan excludes coverage for cardiac rehabilitation, over-the-counter items, and routine transportation.