Wellcare Fidelis Dual Liberty Sync (HMO D-SNP)

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.

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.

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 Fidelis Dual Liberty Sync (HMO D-SNP) has a prescription drug deductible of $580. Tier 6 select care drugs are fully covered with no copay across all pharmacy and mail-order options. For Tier 1 preferred generics and Tier 2 generics, copays start as low as $18 and $19 respectively, and you will pay no copay for a three-month supply filled via preferred mail order. For brand-name and specialty medications, Tier 3 preferred brands require a 20% coinsurance, while Tier 5 specialty drugs have a 25% coinsurance for a one-month supply. Tier 4 non-preferred drugs carry a $100 copay for a one-month supply at both preferred and standard pharmacies. These structured cost-sharing tiers help you understand your out-of-pocket prescription expenses with this Wellcare plan.

Additional Benefits

The Wellcare Fidelis Dual Liberty Sync (HMO D-SNP) offers comprehensive medical coverage, though many services require a coinsurance or a set copayment. For inpatient hospital stays, members face a $2,230 copay for acute care and a $2,080 copay for psychiatric care with no coinsurance, while emergency room visits require a $115 copay. Most outpatient services, primary care visits, specialist consultations, and diagnostic tests feature no copay but require a 20% coinsurance. This plan also includes key supplemental benefits like home health care and routine dental services with no copay and no coinsurance. Vision and hearing benefits are partially covered, offering no copay alongside a 20% coinsurance for routine exams, plus annual allowance limits for glasses and prescription hearing aids. Skilled nursing facility stays feature no copay for the first 20 days, followed by a $218 daily copay for days 21 through 70.