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WellCare offers different types of Medicare Advantage plans. Most WellCare Medicare Advantage plans include additional benefits such as dental, vision, hearing and fitness services.
Most HMOs encourage members to get their care mostly from in-network providers, including WellCare’s Medicare Advantage HMOs. However, visiting providers outside of the network may be more costly. Referrals to specialists should come from members’ primary care providers (PCPs). You cannot combine WellCare HMO plans with standalone prescription drug plans since they include pharmacies in their network.
WellCare PPO plans offer extensive networks of doctors and hospitals. Because pharmacies are included in these networks, if you have a WellCare PPO plan, you will not be able to obtain a separate Part D prescription drug plan. WellCare PPO members are not required to have a PCP, and referrals are not required to consult specialists who are part of the network. You can get off-grid processing, but you’ll likely pay more if you do.
Dual Qualification Special Needs Plans (D-SNPs)
Dual Qualifying Special Needs (D-SNP) plans provide Medicare Advantage benefits with additional benefits that the private insurer may include. Typically, Medicare and Medicaid cover these plans’ costs for people who qualify. Care managers can assist WellCare D-SNP members with counseling and coordination of health care.
Special Needs Plans For Chronic Diseases (C-SNP)
WellCare offers Chronic Illness Special Needs Plans (C-SNPs) for members with certain chronic conditions such as diabetes, chronic heart failure and cardiovascular disease. Like D-SNPs, C-SNPs provide additional Medicare Advantage benefits. WellCare offers C-SNP members savings on essentials to help manage their condition, such as insulin for people with diabetes. They also help coordinate care for members with complex health needs.
Dividend Income Plans
WellCare offers Medicare Part B reimbursement plans that reimburse members a portion or all of their Part B premiums, either through their Social Security statements or as a credit on their Part B premium statements.