Wellcare Dual Liberty (HMO D-SNP)

Wellcare Dual Liberty (HMO D-SNP) is a HMO D-SNP plan offered by Centene Corporation available for enrollment in 2025 to people living in Select counties in CA. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that Wellcare Dual Liberty (HMO 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 (HMO 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 (HMO D-SNP) plan features a $425.00 prescription drug deductible and offers a premium reduction down to $12.00 for individuals qualifying for the low-income subsidy (LIS). During the initial coverage phase, copays for Tier 1 preferred generics are $19.00 at preferred pharmacies and $20.00 at standard pharmacies, while Tier 3 preferred brands require a $100.00 copay. Tier 2 standard generics and Tier 4 non-preferred drugs both carry a 25% coinsurance, whereas Tier 5 specialty drugs require no copay. Once your yearly out-of-pocket drug costs reach $2,100.00, you will enter the catastrophic coverage phase. In this phase, you pay nothing for covered Medicare Part D prescription drugs.

Additional Benefits

The Wellcare Dual Liberty (HMO D-SNP) plan offers comprehensive medical coverage, including inpatient hospital stays with an $1,800 copay per stay and no coinsurance. Most outpatient care, primary care visits, dialysis, and medical equipment services are covered with no copay and 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 a $218 daily copay for days 21 to 70. Routine preventive care, home health services, and over-the-counter items are covered with no copay and no coinsurance. Dental, vision, and hearing benefits are also partially covered, featuring routine exams with no copay and a 20% coinsurance, alongside annual allowances for eyewear and prescription hearing aids. Diagnostic services and laboratory tests are accessible with no copay and up to a 20% coinsurance.