WellCare Medicare Plans Review

In this Guide...

Learn all about WellCare Medicare plan offerings, including how to shop for and enroll in a plan today. WellCare offers Medicare Part D and Medicare Advantage plans in many parts of the U.S.

Private Medicare insurance plans are sold by health care companies like WellCare. WellCare started in Tampa, Florida, in 1985 and is now a part of Centene Corporation. 1 in 15 Americans are served by WellCare Health Plans and Centene or their subsidiaries.1

WellCare offers Medicare Part D prescription drug plans in all 50 states and Medicare Advantage (Medicare Part C) plans in 33 states.

Below is an overview of WellCare Medicare plans, including what they cover, where they are sold, pros and cons of WellCare Medicare plans and more.

1
WellCare Medicare Advantage Plans

WellCare offers several types of Medicare Advantage plans. Medicare Advantage plans provide all of the same benefits as Original Medicare (Medicare Part A and Medicare Part B) while also allowing for some additional coverage for things like prescription drugs, dental, vision, hearing, fitness programs and more. Benefits can vary from one plan to another.

WellCare HMO Plans

A WellCare HMO (Health Maintenance Organization) plan can help you save on some out-of-pocket costs when you visit the health providers who participate in the plan’s network. You will typically be required to choose a Primary Care Physician (PCP) who will help coordinate your care and assign referrals to see specialists.

WellCare PPO Plans

A PPO (Preferred Provider Organization) plan allows for a greater freedom of choice to visit the doctors, pharmacies and other health care providers you wish. PPO plan members are less restricted to a network and may be able to use their plan when traveling out of state. However, you will likely pay higher out-of-pocket costs if you see providers outside of your plan network than you would if you visit in-network doctors.

With a PPO plan, there is not typically a need to choose a Primary Care Physician or obtain a referral to see a specialist.  

WellCare Chronic Condition Special Needs Plans (C-SNPs)

A WellCare Chronic Condition Special Needs (C-SNP) plan can be custom built to fit the specific needs of someone with a particular condition, such as diabetes or congestive heart failure.

These plans include enhanced coverage for the treatments associated with the respective condition to help plan members better manage their lifestyle and risk.

WellCare Dual Eligibility Plans (D-SNPs)

A WellCare Dual Special Needs (D-SNP) plan supports people who are eligible for both Medicare and Medicaid. These plans include benefits for things that can be especially helpful to Medicaid beneficiaries such as reimbursement for over-the-counter (OTC) health care items, meal delivery, rides to doctor appointments and more.

These plan members may also be eligible for the Medicare Extra Help program, which provides financial assistance for prescription drug coverage.

2
WellCare Medicare Advantage Plans by State

WellCare offers Medicare Advantage plans in at least some counties of the following states:1

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Connecticut
  • Florida
  • Georgia
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Vermont
  • Washington
  • Wisconsin

WellCare Medicare Advantage plans may not be available in all areas of the above states. Be sure to find out exactly which plans are offered where you live when comparing plans.

3
WellCare Prescription Drug Plans (Medicare Part D)

Medicare Part D plans provide coverage for prescription medications. WellCare offers several different Medicare Part D prescription drug plans from which to choose, thought the available of plans near you may vary depending on where you live.

WellCare Part D plans include coverage for thousands of different drugs and are accepted by a broad range of pharmacies such as Walmart, CVS, Walgreens and more. Plan selection and cost may vary by location. 

WellCare Wellness Rx

Deductible: $445
Initial coverage limit: $4,130
Out-of-pocket limit: $6,550
2021 Medicare Star Rating: 4 stars
Wellness Rx drug formulary
Summary of plan benefits

WellCare Classic

Deductible: $445
Initial coverage limit: $4,130
Out-of-pocket limit: $6,550
2021 Medicare Star Rating: 4 stars
Classic drug formulary
Summary of plan benefits

WellCare Medicare Rx Saver

Deductible: $445
Initial coverage limit: $4,130
Out-of-pocket limit: $6,550
2021 Medicare Star Rating: 3.5 stars
Medicare Rx Saver drug formulary
Summary of plan benefits

WellCare Medicare Rx Select

Deductible: $425
Initial coverage limit: $4,130
Out-of-pocket limit: $6,550
2021 Medicare Star Rating: 3.5 stars
Medicare Rx Select drug formulary
Summary of plan benefits 

WellCare Medicare Rx Value Plus

Deductible: $0
Initial coverage limit: $4,130
Out-of-pocket limit: $6,550
2021 Medicare Star Rating: 3.5 stars
Medicare Rx Value Plus drug formulary
Summary of plan benefits

WellCare Value Script

Deductible: $445
Initial coverage limit: $4,130
Out-of-pocket limit: $6,550
2021 Medicare Star Rating: 4 stars
Value Script drug formulary
Summary of plan benefits

4
Advantages of WellCare Medicare Plans

Some WellCare Medicare plans can come with additional benefits to plan shoppers. 

Visa Flex Card

WellCare’s Visa Flex Card is a pre-loaded debit card that can be paired with a WellCare Medicare Advantage plan to help pay for things like dental, vision and hearing expenses. The pre-loaded amount can range from $200 to $2,500 depending on plan selection and service area. 

Prescription Drug Mail Delivery

WellCare Medicare Part D plans can cover mail-order delivery of prescription drugs. This benefit allows you to have your medications delivered to your home or place of work and can help save you from making trips to the pharmacy.

Give Back Plans 

WellCare Give Back plans refund some or all of your monthly Medicare Part B premium as a dividend. The dividend can be delivered directly to your Social Security check or can appear as a credit on your Part B premium statement. You may use the money from these dividends however you like. 

$0 Copays

Certain WellCare Medicare plans feature $0 copays for doctor visits, prescription drugs and more.

Medication Therapy Management

WellCare’s medication therapy management program helps members get even more from their medications by preventing or reducing drug-related risks, increasing awareness and supporting good drug use habits. 

Health and Wellness Center

WellCare’s health and wellness center is packed with interactive tools to help members manage conditions, save money on health care and more. 

Dedicated Customer Service

WellCare provides a dedicated customer service line for plan members who need help finding a doctor or pharmacy, understanding coverage and costs and more, all just a phone call away. 

5
How to Enroll in a WellCare Medicare Plan

You may be able to enroll in a WellCare Medicare plan if plans are offered in your area.

You can compare Medicare plans online from multiple different carriers in your area to find out which plans offer the right benefits at the right price for your needs. 

1 WellCare. Retrieved May 2021 from https://www.wellcare.com/en/Broker-Resources.

More Useful Guides
A couple smile while she uses her smart phone
Learn about Humana Medicare plan options, including Humana Medicare Advantage plans, Part D Medicare ...
Smiling grandfather with young grandchildren
Transamerica Life Insurance Company offers Medicare Supplement Insurance plans (also called Medigap) ...
Smiling couple at home reviewing insurance information
Learn about the Medicare plans offered by Aetna, including Medicare Advantage (Medicare Part C) plans, ...