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Wellcare Dual Liberty (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Dual Liberty (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Wellcare Dual Liberty (HMO D-SNP) in 2025, please refer to our full plan details page.
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 2025.
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.
Important:
Wellcare Dual Liberty (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
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.
For Wellcare Dual Liberty (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $18.30. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $590.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9350.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Wellcare Dual Liberty (HMO D-SNP) plan has a $590 deductible for prescription drugs. If you qualify for the low-income subsidy, you will pay $18.30. After your deductible is met, you will pay the costs associated with your drugs in each tier until your total drug costs reach $2000. After your yearly out-of-pocket drug costs reach $2000, you will pay nothing for your Medicare Part D covered drugs.
Additional Benefits
The Wellcare Dual Liberty (HMO D-SNP) plan offers a range of benefits, including coverage for inpatient and outpatient services, with varying cost-sharing. Emergency services have a copay, while preventive services, hearing exams, and routine vision exams have no copay. This plan also covers dental, home health, and skilled nursing facility services, with some services requiring coinsurance or prior authorization. Additionally, the plan includes benefits for ambulance services, medical equipment, and diagnostic services, with specific copays or coinsurance amounts depending on the service.
Inpatient Hospital See details
Inpatient Hospital benefits are covered under the Wellcare Dual Liberty (HMO D-SNP) plan, with a copay of $2,100 per admission or stay for Inpatient Hospital-Acute and a copay of $2,036 per admission or stay for Inpatient Hospital Psychiatric. Additional days, non-Medicare-covered stays, and upgrades for Inpatient Hospital-Acute and Inpatient Hospital Psychiatric are not covered.
Outpatient Services See details
Outpatient Services include coverage for all outpatient hospital services, with a 20% coinsurance and no copay, and observation services with a 20% coinsurance. The plan also covers ambulatory surgical center services, outpatient substance abuse services, and outpatient blood services with a 20% coinsurance.
Partial Hospitalization See details
Partial Hospitalization is covered under the Wellcare Dual Liberty (HMO D-SNP) plan, but requires prior authorization. You will pay 20% coinsurance for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Wellcare Dual Liberty (HMO D-SNP) plan. Ground and Air Ambulance Services have a 20% coinsurance, and Transportation Services have no copay. Transportation Services to any health-related location are not covered.
Emergency Services See details
Emergency Services, including Worldwide Emergency Coverage and Worldwide Urgent Coverage, are covered with a copay of $110.00 and no coinsurance, while Urgently Needed Services have a $45.00 copay and no coinsurance. Worldwide Emergency Transportation is not covered, and the plan offers a maximum benefit of $50,000 for Worldwide Emergency Services.
Primary Care See details
The Wellcare Dual Liberty (HMO D-SNP) plan covers primary care physician services, occupational therapy services, physician specialist services, mental health specialty services, podiatry services, other health care professional services, psychiatric services, physical therapy and speech-language pathology services, additional telehealth benefits, and opioid treatment program services, all with 20% coinsurance. Chiropractic services are covered with 20% coinsurance, but routine care is not covered.
Preventive Services See details
Preventive services, including annual physical exams, are covered with no copay. Additional preventive services, including glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKG following a welcome visit, are covered with 20% coinsurance.
Hearing Services See details
Hearing services are covered, including hearing exams and prescription hearing aids. Routine hearing exams have no copay and a coinsurance of 20%, while fitting/evaluation for hearing aids have no copay and no coinsurance. Prescription hearing aids have a maximum benefit of $1500 per year, with no copay.
Vision Services See details
Vision Services include coverage for eye exams with a 20% coinsurance and no copay, routine eye exams with no copay, eyewear with a 20% coinsurance and a copay (see plan details), contact lenses with no copay, eyeglasses (lenses and frames) with no copay, eyeglass lenses with no copay, eyeglass frames with no copay, and upgrades with no copay. Routine eye exams are limited to one per year.
Dental Services See details
The Wellcare Dual Liberty (HMO D-SNP) plan covers dental services including oral exams, dental x-rays, and other diagnostic, preventive, restorative, and surgical services with no copay, but with some limitations on the number of visits and periodicity. Medicare dental services have a 20% coinsurance. Orthodontic services are covered up to a maximum of $5,000 per year, but maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by the Wellcare Dual Liberty (HMO D-SNP) plan. Medicare Part B Insulin Drugs have a $35 copay, while Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have a coinsurance between 0% and 20%.
Dialysis Services See details
Dialysis Services are covered by the Wellcare Dual Liberty (HMO D-SNP) plan. The coinsurance for dialysis services is 20%.
Medical Equipment See details
The Wellcare Dual Liberty (HMO D-SNP) plan covers Durable Medical Equipment (DME) with a 20% coinsurance and requires authorization. Prosthetics and medical supplies are covered with no copay, but also require a 20% coinsurance. Diabetic equipment is covered, with a 20% coinsurance on diabetic supplies and therapeutic shoes/inserts, and requires prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services are covered by the Wellcare Dual Liberty (HMO D-SNP) plan. Diagnostic Procedures/Tests and Radiological Services have a coinsurance of at most 20%, while Lab Services have no copay and a coinsurance of at most 20%.
Home Health Services See details
Home Health Services are covered by the Wellcare Dual Liberty (HMO D-SNP) plan with no copay and no coinsurance. Additional Hours of Care and Personal Care Services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are generally covered by the Wellcare Dual Liberty (HMO D-SNP) plan. However, Medicare-covered Intensive Cardiac Rehabilitation Services, Medicare-covered Pulmonary Rehabilitation Services, Medicare-covered Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) Services, and Additional Cardiac Rehabilitation Services are not covered.
Skilled Nursing Facility (SNF) See details
The Wellcare Dual Liberty (HMO D-SNP) plan covers Skilled Nursing Facility (SNF) services with prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered for SNF, and non-Medicare-covered stays for SNF are not covered.
Other Services See details
The Wellcare Dual Liberty (HMO D-SNP) plan's Other Services benefit includes Over-the-Counter (OTC) Items and Meal Benefit coverage, with no copay for either. Acupuncture, Dual Eligible SNPs with Highly Integrated Services, Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services are not covered.
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