Wellcare has been offering Medicare plans for over 20 years with a range of product offerings. They service more than five million Medicare beneficiaries through their Medicare Advantage and Part D products. Wellcare is a subsidiary of Centene Corporation.

Centene’s Medicare brands include Allwell, Health Net, Fidelis Care, Trillium Advantage, ‘Ohana Health Plan, and TexanPlus and all will transition to the Wellcare brand.

Wellcare Supplemental Medicare Plans

Wellcare primarily focuses on Medicare Advantage and Medicare Part D plans. They offer plans in all 50 states. Their plans are built with every Medicare beneficiary in mind.

Throughout this article, we’ll discuss Wellcare’s plan options and financial strength. Then, we’ll give a review and answer some frequently asked questions. Finally, we’ll cover how to enroll in a Wellcare supplemental Medicare plan.

Wellcare Medicare Supplement Plans

Medicare Supplements are coverage that helps cover costs that are left to the Medicare beneficiary. These costs can include coinsurance, copays, and deductibles.

Medigap plans are standardized by Medicare. This means they are the same everywhere no matter which insurance company you choose.

Currently, Wellcare doesn’t offer a Medicare Supplement option. However, we can still help. We have access to all Medicare Supplement plans on the market.

Wellcare Medicare Advantage Plans

Medicare Advantage plans, otherwise known as Medicare Part C take over the role of Original Medicare. You must continue your enrollment in Medicare Parts A and B, but the Advantage plan will take over your health care admission.

These plans are all-in-one options that usually include prescription coverage. These plans are required to cover everything that’s included in Original Medicare.

In addition, to covering the same benefits that are offered by Medicare, these plans usually offer additional coverage for benefits not included by Medicare.

Plan extras can include dental, vision, gym memberships, food, and utility assistance. Some plans also include transportation for health care services, over-the-counter benefits, and a flex card to help offset costs. Some of Wellcare’s Medicare Advantage plans actually include dental implants.

These plans will vary depending on where you live, so make sure you review the summary of benefits to ensure the benefits you’re looking for are included.

Wellcare Medicare Part D

Medicare Part D is the prescription portion of Medicare. You can only get Medicare prescription coverage through a stand-alone Part D plan, or a Medicare Advantage plan. If you choose not to enroll in drug coverage, you’ll be penalized later when you decide to enroll in one.

Prescription drug coverage has four phases: Deductible, Initial, Coverage Gap, and Catastrophic phases. The coverage gap is often referred to as the Donut Hole.

Wellcare offers three Part D plan options throughout the United States. They have one of the lowest premium Part D plans in the nation.

Wellcare Financial Strength Ratings

Medicare insurance companies are rated by AM Best, Moody’s, and Standard and Poors. These companies will evaluate their financial strength. Generally, companies with good financial ratings will pay claims quickly and have lower rate increases and premiums.

  • Wellcare’s parent company Centene has an AM Best Rating of B+ (Good)
  • Moody’s rates Centene at a Ba1

Wellcare Reviews

Wellcare is quickly becoming one of the top Medicare carriers in the market. Their plans have low copays and great benefits. They’re one of the few companies that will cover dental implants.

They even offer utility assistance in certain areas for their low-income clients. Customer service has been their Achilles heel in the past, however, they are starting to make strides of improvement in that area.

FAQs

What is Wellcare Medicare?

Wellcare Medicare is supplemental Medicare plans that help fill in the gaps in coverage that Original Medicare leaves up to the beneficiary to pay in the form of cost-sharing.

What’s the cheapest Wellcare Part D plan?

In 2022 Wellcare’s Value Script Plan is about $12s in most states. They have the second-lowest monthly premium in the nation.

Does WellCare’s Medicare Advantage plans include dental?

While coverage can vary from state to state, most Wellcare Medicare Advantage plans include strong dental coverage. In some areas, they also include dentures and dental implants.

What’s the difference between Wellcare and Medicare Advantage?

Wellcare offers Medicare Advantage plans. Medicare Advantage is an alternative to Original Medicare. These plans are all-in-one plans that typically include drug coverage and additional benefits.

Are the Shingles shot covered by Wellcare Medicare plans?

Yes! Vaccinations are generally covered under Medicare Part D. They are covered as a Tier three prescription drug.

What is the prescription deductible for Wellcare Drug plans?

Wellcare has three prescription plans to choose from. The Wellcare Value Script has a $480 drug deductible, but it only applies to drug tiers 3, 4, and 5. The Wellcare Classic has a $480 deductible that applies to all drugs. The Wellcare Medicare Rx Value Plus has a $0 deductible.

How to Enroll in a WellcareMedicare Plan?

Medicare can be a frustrating and confusing process. Fortunately, you can get help. We’re here to answer your questions, educate you, identify your needs and wants, and help guide you step by step.

Our licensed brokers specialize in Medicare and can assist you with every aspect. We pride ourselves on making things clear, quick, and easy. For more information just give us a call, or fill out our online request form.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.