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Wellcare Dual Liberty (HMO-POS D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Wellcare Dual Liberty (HMO-POS 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-POS D-SNP) in 2026, please refer to our full plan details page.
Wellcare Dual Liberty (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Centene Corporation available for enrollment in 2025 to people living in All counties in ME. 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.
Important:
Wellcare Dual Liberty (HMO-POS 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-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.
For Wellcare Dual Liberty (HMO-POS D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $17.90. 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 $420.00 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 Dual Liberty (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $420. For Tier 1 preferred generics, copays start as low as $18 at preferred pharmacies, with no copay for a three-month supply through preferred mail order. Tier 2 generic drugs have copays starting at $19 at preferred pharmacies, which also reduces to no copay for a three-month supply filled via preferred mail order. Tier 3 preferred brand drugs require a 20% coinsurance, while Tier 4 non-preferred drugs carry a $100 copay for a one-month supply at both standard and preferred pharmacies. Tier 5 specialty drugs require a 25% coinsurance for a one-month supply, whereas Tier 6 select care drugs are highly affordable with no copay across all pharmacies and mail order options.
Additional Benefits
The Wellcare Dual Liberty (HMO-POS D-SNP) plan offers comprehensive medical coverage, with many outpatient, specialist, diagnostic, and ambulance services requiring no copay and a 20% coinsurance. For inpatient hospital stays, members pay no coinsurance but are responsible for a copayment of $2,230 per acute care stay or $2,080 per psychiatric stay. Emergency room visits carry a $115 copay and urgent care visits have a $40 copay, both of which are waived if you are admitted to the hospital within 24 hours. Preventive care, home health services, and select over-the-counter items are available with no copay and no coinsurance. Additionally, the plan features no copay for preventive and comprehensive dental services up to a $2,000 annual limit, as well as no copay for eyeglasses and frames up to a $200 yearly limit. Hearing aids are also covered with no copay up to $500 per ear annually, while routine vision and hearing exams generally require a 20% coinsurance and no copay.
Inpatient Hospital See details
Wellcare Dual Liberty (HMO-POS D-SNP) partially covers inpatient hospital services with no coinsurance, requiring a $2,230 copayment per stay for acute care and a $2,080 copayment per stay for psychiatric care. Prior authorization is required, and additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers outpatient services, including hospital, ambulatory surgical center, substance abuse, and blood services, with no copay and a 20% coinsurance. Prior authorization is required for outpatient hospital, ambulatory surgical center, and substance abuse services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by Wellcare Dual Liberty (HMO-POS D-SNP) with a $115 copay and no coinsurance, and urgently needed services are covered with a $40 copay and no coinsurance, with both copays waived if admitted to the hospital within 24 hours. Worldwide emergency and urgent care 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 Dual Liberty (HMO-POS D-SNP) covers primary care, specialist, and therapy services with no copay and 20% coinsurance, though prior authorization is generally required. Podiatry services are not covered, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers annual physical exams, fitness benefits, alternative therapies, and remote access technologies with no copay and no coinsurance, while kidney disease education and other preventive screenings are covered with no copay and a 20% coinsurance. Additional preventive services are partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge in-home medication reconciliation, re-admission prevention, wigs for chemotherapy-related hair loss, weight management programs, therapeutic massage, adult day health services, nutritional/dietary benefits, home-based palliative care, in-home support services, caregiver support, additional smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, home and bathroom safety modifications, and counseling services.
Hearing Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers hearing services with no deductible, offering one annual routine hearing exam with a 20% coinsurance and no copay, alongside one annual fitting evaluation with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to $500 per ear annually, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Wellcare Dual Liberty (HMO-POS D-SNP) with no deductibles, though prior authorization is required. One routine eye exam per year and contact lenses are covered with no copay and a 20% coinsurance, while other eye exams are not covered. Eyeglasses, frames, and upgrades are covered with no copay or coinsurance up to a $200 annual limit.
Dental Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) dental services are partially covered, featuring Medicare-covered dental care with no copay and 20% coinsurance. Other preventive and comprehensive dental services have no copay and no coinsurance up to a $2,000 yearly limit, but maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers home infusion bundled services with no copay, subject to prior authorization. Under this plan, Medicare Part B insulin drugs have a $35 copay and no coinsurance, while chemotherapy and other Part B drugs require a 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered by Wellcare Dual Liberty (HMO-POS D-SNP) with no copay and a 20% coinsurance.
Medical Equipment See details
Wellcare Dual Liberty (HMO-POS 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 Dual Liberty (HMO-POS D-SNP) covers outpatient diagnostic and radiological services with no copay, though a 20% coinsurance applies to all covered lab work, diagnostic tests, radiological services, and X-rays. Prior authorization is required for these services.
Home Health Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) covers some cardiac rehabilitation services with no copay and no coinsurance, but standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by Wellcare Dual Liberty (HMO-POS D-SNP) with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 to 20 and days 71 to 100, a $218 daily copay for days 21 to 70, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Wellcare Dual Liberty (HMO-POS D-SNP) partially covers other services, offering over-the-counter (OTC) items and a meal benefit for chronic illness with no copay and no coinsurance. Acupuncture is not covered under this benefit.
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