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 MO. 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. There is no copay for Tier 6 Select Care Drugs across all pharmacy and mail-order options. For Tier 1 Preferred Generic and Tier 2 Generic drugs, one-month copays start as low as $18 and $19 at preferred pharmacies, and there is no copay for a three-month supply filled via preferred mail order. For Tier 3 Preferred Brand drugs, you will pay a 21% coinsurance at preferred pharmacies and 22% coinsurance at standard pharmacies. Tier 4 Non-Preferred Drugs require a $100 copay for a one-month supply at both preferred and standard pharmacies. Finally, Tier 5 Specialty Tier drugs require a 25% coinsurance for a one-month supply at both preferred and standard pharmacies.

Additional Benefits

The Wellcare Dual Access (HMO-POS D-SNP) plan offers comprehensive medical coverage, featuring an inpatient hospital copayment of $1,840 per admission and no coinsurance. Most outpatient services, primary care visits, specialist consultations, and diagnostic tests require no copay but are subject to a 20% coinsurance. Emergency care is available with a $115 copay, while skilled nursing facility stays feature no copay for days 1 to 20 and days 71 to 100, alongside a $218 daily copay for days 21 to 70. This plan also includes valuable supplemental benefits, such as preventive and comprehensive dental care with no copay or coinsurance up to a $5,000 annual limit. Routine vision and hearing services are covered with no copay and a 20% coinsurance, alongside allowances of up to $500 for eyewear and $1,000 per ear annually for hearing aids with no copay or coinsurance. Additionally, members benefit from up to 60 one-way transportation trips per year, as well as over-the-counter items and meals with no copay or coinsurance.