Wellcare Dual Liberty (HMO-POS D-SNP)

Wellcare Dual Liberty (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Arkansas Health & Wellness Health Plan, Inc. available for the 2026 plan year to people living in Statewide in AR. 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.

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.

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-POS D-SNP) prescription drug plan features a $480.00 annual drug deductible, which may be reduced to $8.90 for individuals qualifying for the low-income subsidy (LIS). Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D prescription drugs. During the initial coverage phase, 30-day Tier 1 preferred generics cost a $19.00 copay at preferred pharmacies and a $20.00 copay at standard pharmacies, while Tier 3 preferred brands cost a $100.00 copay. You will pay a 20% coinsurance for Tier 2 standard generics, a 25% coinsurance for Tier 4 non-preferred drugs, and no copay for Tier 5 specialty drugs.

Additional Benefits

The Wellcare Dual Liberty (HMO-POS D-SNP) plan offers robust coverage with many essential services requiring no copay, though coinsurance applies to several key benefits. For medical care, primary care and specialist visits feature no copay and a 20% coinsurance, while inpatient hospital stays require a $1,665 copay per stay with no coinsurance. Outpatient services, diagnostic tests, and durable medical equipment are also covered with no copay and a 20% coinsurance. Additional benefits include dental services with no copay and no coinsurance up to a $3,000 annual limit, alongside routine vision exams and up to $200 for annual eyewear. Members also benefit from no copay and no coinsurance for home health care, over-the-counter items, and up to 36 annual one-way transportation trips. Prescription hearing aids are covered with no copay up to $750 per ear annually, while emergency room visits require a $115 copay.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.