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Wellcare Fidelis Dual Liberty Sync (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Fidelis Dual Liberty Sync (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 Fidelis Dual Liberty Sync (HMO D-SNP) in 2026, please refer to our full plan details page.
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) is a HMO D-SNP plan offered by Centene Corporation available for enrollment in 2026 to people living in Select Counties in NY. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that Wellcare Fidelis Dual Liberty Sync (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 Fidelis Dual Liberty Sync (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 Fidelis Dual Liberty Sync (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 Fidelis Dual Liberty Sync (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $58.80. 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 $580.00 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 $9250.00 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 Fidelis Dual Liberty Sync (HMO D-SNP) prescription drug plan features an annual drug deductible of $580. For Tier 6 select care drugs, you will pay no copay for any supply size at both preferred and standard pharmacies. Additionally, there is no copay for three-month supplies of Tier 1 preferred generic and Tier 2 generic medications when filled through a preferred mail-order pharmacy. For other medications, standard one-month supplies for Tier 1 preferred generics start at an $18 copay and Tier 2 generics start at a $19 copay at preferred pharmacies. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs carry a $100 copay for a one-month supply. Tier 5 specialty drugs require a 25% coinsurance for a one-month fill at both preferred and standard pharmacies.
Additional Benefits
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) features a mix of copays and coinsurance for core medical services, including a $2,230 copay per acute inpatient hospital stay and a $115 copay for emergency room visits. Many outpatient services, primary care visits, specialist consultations, and diagnostic tests are covered with no copay and a 20% coinsurance. For supplemental care, the plan offers dental, vision, and hearing benefits with no deductibles and mostly no copays, though some services require a 20% coinsurance. Additionally, beneficiaries can access home health services, fitness benefits, and over-the-counter items with no copay and no coinsurance, while skilled nursing facility care is covered with no copay for days 1 to 20.
Inpatient Hospital See details
Inpatient hospital services are covered by Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) with a $2,230 copay per acute stay and a $2,080 copay per psychiatric stay, with no coinsurance and prior authorization required for both. This coverage is limited, as additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers outpatient services—including outpatient hospital, ambulatory surgical center, outpatient substance abuse, and blood services—with no copay and a 20% coinsurance. Prior authorization is required for most of these services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by Wellcare Fidelis Dual Liberty Sync (HMO D-SNP), which offers ground and air ambulance services with a 20% coinsurance and no copay, subject to prior authorization. Transportation services to plan-approved health-related locations and any other health-related locations are not covered.
Emergency Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, and urgently needed services with a $40 copay and no coinsurance, with copays waived if admitted to the hospital within 24 hours. Worldwide emergency and urgent services are partially covered up to a $50,000 maximum with a $115 copay and no coinsurance, though worldwide emergency transportation is not covered.
Primary Care See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers primary care, specialist visits, mental health, psychiatry, physical therapy, occupational therapy, and opioid treatment services with no copay and 20% coinsurance. Additional telehealth benefits are also available with a $0 to $40 copay and 20% coinsurance, while chiropractic and podiatry services are not covered under this plan.
Preventive Services See details
Preventive Services are partially covered by Wellcare Fidelis Dual Liberty Sync (HMO D-SNP), offering annual physicals, fitness benefits, and alternative therapies with no copay and no coinsurance, while kidney disease education and select screenings have no copay and a 20% coinsurance. However, sub-services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, weight management, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, home safety modifications, and counseling are not covered.
Hearing Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) provides partially covered hearing services with no deductible, including annual routine exams with a 20% coinsurance and no copay, and annual fitting evaluations with no copay or coinsurance. Up to two prescription hearing aids are covered annually with no copay or coinsurance up to $500 per ear, though OTC hearing aids as well as inner, outer, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) with no deductibles, though other eye exam services are not covered. Prior authorization is required for one annual routine eye exam and contact lenses, which feature no copay and a 20% coinsurance, as well as eyeglasses and upgrades, which have no copay, no coinsurance, and a $200 annual maximum.
Dental Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) offers partially covered dental services, with Medicare-covered dental care requiring no copay and a 20% coinsurance. Other preventive and comprehensive dental services have no copay and no coinsurance, although orthodontics is not covered and prior authorization is required for most services.
Home Infusion bundled Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers home infusion bundled services with no copay, although prior authorization is required. Under this benefit, Medicare Part B chemotherapy and other drugs carry a 0% to 20% coinsurance with no copay, while Part B insulin is covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis services are covered by the Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers medical equipment, including durable medical equipment, prosthetics, medical supplies, and diabetic equipment, with no copay and a 20% coinsurance. Prior authorization is required for these services, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers diagnostic and radiological services with no copayment, subject to a 20% coinsurance and prior authorization. This coverage includes outpatient diagnostic tests, lab services, therapeutic radiology, and X-rays.
Home Health Services See details
Home health services are covered under the Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) with no copay and no coinsurance. Prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) offers no copay for Cardiac Rehabilitation Services, meaning some services are covered, but specific programs like Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for Symptomatic Peripheral Artery Disease (PAD) are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) covers Skilled Nursing Facility (SNF) care with no coinsurance, though prior authorization is required and additional days beyond Medicare-covered services are not covered. You will pay no copay for days 1 to 20 and days 71 to 100, but days 21 to 70 require a $218 copay per day.
Other Services See details
Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) partially covers other services, providing over-the-counter (OTC) items and chronic illness meal benefits with no copay and no coinsurance, although meals require a referral. Acupuncture and other additional services under this category are not covered.
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