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 TX. 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 has an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, one-month copays start at $18 and $19 at preferred pharmacies, and members pay no copay for a three-month supply filled via preferred mail order. Tier 6 select care drugs are fully covered with no copay across all retail and mail-order options. Tier 3 preferred brand drugs cost a $47 copay for a one-month supply at both preferred and standard pharmacies. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 42% coinsurance and Tier 5 specialty drugs requiring a 25% coinsurance for a one-month supply. Utilizing preferred pharmacies and three-month mail-order options can help plan members lower their overall out-of-pocket expenses.

Additional Benefits

Wellcare Dual Liberty (HMO D-SNP) offers comprehensive medical coverage with varying cost-sharing structures. Inpatient hospital stays require a $1,900 copay per admission with no coinsurance, while primary care, specialist visits, and outpatient services generally feature no copay and a 20% coinsurance. Emergency care is available with a $115 copay, whereas urgent care visits carry a $40 copay, both with no coinsurance. This plan also provides robust supplemental benefits, including preventive and comprehensive dental care with no copay or coinsurance up to a $5,000 annual limit. Vision and hearing benefits feature no copay and no coinsurance for eyeglasses up to a $400 maximum and hearing aids up to $1,500 annually. Additionally, members can access up to 48 one-way transportation trips, home health services, and over-the-counter items with no copay and no coinsurance.