Wellcare Dual Liberty (HMO-POS D-SNP)

Wellcare Dual Liberty (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Centene Corporation available for enrollment in 2026 to people living in Select counties in NC. 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-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 (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 (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $425. For Tier 1 preferred generics, you will pay a monthly copay starting at $18 at preferred pharmacies, while Tier 2 generics start at a $19 monthly copay. Notably, you can receive a three-month supply of both Tier 1 and Tier 2 drugs with no copay when using preferred mail order services. Tier 3 preferred brands and Tier 5 specialty drugs both require a 25% coinsurance, while Tier 4 non-preferred drugs carry a $100 copay for a one-month supply. Fortunately, Tier 6 select care drugs are available with no copay for all supply durations at both preferred and standard pharmacies. These structured cost-sharing tiers help you manage your prescription medication expenses effectively throughout the year.

Additional Benefits

The Wellcare Dual Liberty (HMO-POS D-SNP) plan offers robust coverage where many everyday medical services, including primary care, specialist visits, and diagnostic testing, require no copay and a 20% coinsurance. Preventive care, home health services, and preventive and comprehensive dental care are highly accessible with no copay and no coinsurance. For major care, inpatient hospital admissions require a $2,000 copay with no coinsurance, while outpatient hospital services feature no copay and a 20% coinsurance. Members also benefit from emergency care with a $115 copay and urgent care with a $40 copay, with coinsurance waived for both. The plan supports daily living with up to 24 free one-way transportation trips per year, over-the-counter benefits with no copay or coinsurance, and no-copay coverage for prescription hearing aids and eyewear up to plan limits. For skilled nursing facility care, there is no coinsurance and no copay for days 1 to 20 and 71 to 100, though days 21 to 70 carry a $218 daily copay.