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 IA. This plan received an overall rating of 2.5 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. For Tier 1 preferred generics and Tier 2 generics, copays start as low as $18 and $19 respectively at preferred pharmacies, with no copay required for a three-month supply when using preferred mail order. Additionally, Tier 6 select care drugs are highly affordable, offering no copay at preferred pharmacies and through preferred mail order. For brand-name and specialty medications, Tier 3 preferred brands and Tier 5 specialty drugs require a 25% coinsurance. Tier 4 non-preferred drugs carry a $100 copay for a one-month supply at both preferred and standard pharmacies, though you can save with a $200 copay for a three-month supply via preferred mail order. These structured tiers help you manage your healthcare expenses by choosing the most cost-effective pharmacy and delivery options.

Additional Benefits

Wellcare Dual Access (HMO-POS D-SNP) offers comprehensive coverage with many standard medical services requiring no copay and a 20% coinsurance, including primary care, specialist visits, outpatient services, and diagnostic tests. For inpatient hospital stays, members pay a copayment of $2,155 for acute care or $2,080 for psychiatric care per stay, with no coinsurance required. Emergency room visits feature a $115 copay and urgent care has a $40 copay, both of which are waived if you are admitted within 24 hours. The plan also provides valuable supplemental benefits, including preventive care, home health services, and routine dental care with no copays and no coinsurance. Vision and hearing benefits feature no copays, though routine exams require a 20% coinsurance, and the plan includes generous allowances such as up to $4,000 for dental services and $400 for eyewear. Additionally, members can access up to 24 one-way transportation trips, over-the-counter items, and chronic illness meals with no copay and no coinsurance.