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

Wellcare Dual Liberty Sync (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 IA. This plan received an overall rating of 2.5 out of 5 stars in 2026.

It's important to know that Wellcare Dual Liberty Sync (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 Sync (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 Sync (HMO-POS D-SNP) plan features an annual drug deductible of $615. For Tier 6 select care drugs, you will pay no copay for up to a three-month supply at both standard and preferred pharmacies. Tier 1 preferred generic and Tier 2 generic drugs offer low copays starting at $18 and $19 respectively for a one-month supply at preferred pharmacies, with no copay for a three-month supply filled via preferred mail order. Higher-tier medications under this plan incur coinsurance or set copays, such as a 20% coinsurance for Tier 3 preferred brand drugs and a 25% coinsurance for Tier 5 specialty drugs. Tier 4 non-preferred drugs require a copay starting at $100 for a one-month supply at standard and preferred pharmacies. Knowing these cost-sharing tiers helps you estimate your out-of-pocket prescription drug expenses with this Wellcare Medicare plan.

Additional Benefits

The Wellcare Dual Liberty Sync (HMO-POS D-SNP) plan offers comprehensive medical coverage where most primary, specialist, and outpatient services feature no copay and a 20% coinsurance. Inpatient hospital stays require no coinsurance but carry flat copayments of $2,190 for acute care and $2,080 for psychiatric care per stay. Emergency room visits require a $115 copay, while urgent care services have a $40 copay, with both waiving these fees if you are admitted to the hospital. Beneficiaries also receive robust everyday benefits, including home health services, select dental care, and up to 24 one-way transportation trips annually with no copay and no coinsurance. Routine vision and hearing exams are available with no copay and a 20% coinsurance, alongside generous allowances for prescription hearing aids up to $1,500 per ear and eyewear up to a $500 annual limit. Additionally, the plan provides over-the-counter items, fitness benefits, and annual physical exams with no copay and no coinsurance.