Wellcare Dual Access Open (PPO D-SNP) By Wellcare



Wellcare Dual Access Open (PPO D-SNP) H1848 003 0 is a 2023 Medicare Advantage Special Needs Plan plan by Wellcare. This plan from Wellcare works with Medicare to give you significant coverage beyond original Medicare. If you decide to sign up you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Wellcare and not Original Medicare. All Medicare SNPs also provide Medicare additional Part-D drug coverage. Wellcare Dual Access Open (PPO D-SNP) H1848-003 is a Dual Eligible Special Needs Plan (D-SNP). A Dual Eligible SNP is for beneficiaries who are eligible for both Medicare and Medicaid. If you have Medicare and get help from Medicaid you can join any Medicare SNP you qualify for or switch plans at any time.







2023 Medicare Special Needs Plan Details

Plan Name:Wellcare Dual Access Open (PPO D-SNP)
Plan ID:H1848 003 0
Special Needs Type:Dual-Eligible
Provider:Wellcare
Plan Year:2023
Plan Type:Local PPO
Monthly Premium C+D:$23.60
Part C Premium:$0
Part D (Drug) Premium:$23.60
Part D Supplemental Premium$0
Total Part D Premium:$23.60
Drug Deductible:$505.00
Tiers with No Deductible:0
Benchmark:below the regional benchmark
Type of Medicare Health Plan:Defined Standard Benefit
Drug Benefit Type:Basic
Gap Coverage:No
Similar Plan: H1848-003


The Wellcare Dual Access Open (PPO D-SNP) H1848-003 is available to residents to Medicare eligible seniors in Alabama. All Medicare SNPs must provide Medicare additional prescription drug (Part-D) coverage. Wellcare Dual Access Open (PPO D-SNP) is a Local PPO. A preferred provider organization (PPO) is a medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.



How much does Wellcare Dual Access Open (PPO D-SNP) cost?


Part-C Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Wellcare charges a $0 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.


Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. Wellcare Dual Access Open (PPO D-SNP) has a monthly drug premium of $23.60 and a $505.00 drug deductible. This Wellcare plan offers a $23.60 Part-D Basic Premium that is below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by Wellcare above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $23.60. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.


Wellcare Gap Coverage

In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This Wellcare plan does not offer additional coverage through the gap.


Extra Help Premium Assistance

The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The Wellcare Dual Access Open (PPO D-SNP) medicare insurance offers a $0 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $5.90 for 75% low-income subsidy $11.80 for 50% and $17.70 for 25%.


Full Assistance Premium:$0
75% Assistance Premium:$5.90
50% Assistance Premium:$11.80
25% Assistance Premium:$17.70


H1848-003 Formulary and Drug Coverage

Wellcare Dual Access Open (PPO D-SNP) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Special Needs Plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier Copay
Preferred
Pharmacy
Copay
Nonpreferred
Pharmacy
Tier 1 NA $0
The complete Wellcare Dual Access Open (PPO D-SNP) H1848-003 Formulary
*Initial Coverage Phase and 30 day supply





2023 Summary of Benefits

The benefit information provided is a summary of what Wellcare Dual Access Open (PPO D-SNP) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Wellcare helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)Covered



Contact lenses


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance



Eyeglass frames


Out-of-Network Vision40% coinsurance
In-Network Vision$0 copay



Eyeglass lenses


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance



Eyeglasses (frames and lenses)


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance



Other


VisionNot covered



Routine eye exam


Out-of-Network Vision40% coinsurance
In-Network Vision$0 copay



Upgrades


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance




Out-of-Network Transportation75% coinsurance
In-Network Transportation$0 copay
Out-of-Network Skilled Nursing Facility40% per day for days 1 through 100
In-Network Skilled Nursing Facility$0 copay



Occupational therapy visit


In-Network Rehabilitation services$0 copay
Out-of-Network Rehabilitation services40% coinsurance



Physical therapy and speech and language therapy visit


Out-of-Network Rehabilitation services40% coinsurance
In-Network Rehabilitation services$0 copay



Cleaning


Out-of-Network Preventive dental50% coinsurance
In-Network Preventive dental$0 copay



Dental x-ray(s)


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental50% coinsurance



Fluoride treatment


Out-of-Network Preventive dental50% coinsurance
In-Network Preventive dental$0 copay



Oral exam


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental50% coinsurance




Out-of-Network Preventive care$0 copay
In-Network Preventive care$0 copay
Out-of-Network Outpatient hospital coverage40% coinsurance per visit
In-Network Outpatient hospital coverage$0 copay
In-Network Other health plan deductibles?No
Optional supplemental benefitsNo



Inpatient hospital - psychiatric


Out-of-Network Mental health services40% per day for days 1 through 90
In-Network Mental health services$0 copay



Outpatient group therapy visit


Out-of-Network Mental health services40% coinsurance
In-Network Mental health services$0 copay



Outpatient group therapy visit with a psychiatrist


Out-of-Network Mental health services40% coinsurance
In-Network Mental health services$0 copay



Outpatient individual therapy visit


In-Network Mental health services$0 copay
Out-of-Network Mental health services40% coinsurance



Outpatient individual therapy visit with a psychiatrist


Out-of-Network Mental health services40% coinsurance
In-Network Mental health services$0 copay



Chemotherapy


In-Network Medicare Part B drugs$0 copay
Out-of-Network Medicare Part B drugs40% coinsurance



Other Part B drugs


In-Network Medicare Part B drugs$0 copay
Out-of-Network Medicare Part B drugs40% coinsurance



Diabetes supplies


Out-of-Network Medical equipment/supplies30% coinsurance per item
In-Network Medical equipment/supplies$0 copay



Durable medical equipment (e.g., wheelchairs, oxygen)


In-Network Medical equipment/supplies$0 copay
Out-of-Network Medical equipment/supplies30% coinsurance per item



Prosthetics (e.g., braces, artificial limbs)


In-Network Medical equipment/supplies$0 copay
Out-of-Network Medical equipment/supplies30% coinsurance per item




Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$12,450 In and Out-of-network
$8,300 In-network
In-Network Inpatient hospital coverage$0 copay
Out-of-Network Inpatient hospital coverage40% per day for days 1 through 90



Fitting/evaluation


Out-of-Network Hearing40% coinsurance
In-Network Hearing$0 copay



Hearing aids


In-Network Hearing$0 copay
Out-of-Network Hearing40% coinsurance



Hearing exam


Out-of-Network Hearing40% coinsurance
In-Network Hearing$0 copay




Health plan deductible$0
In-Network Ground ambulance$0 copay
Out-of-Network Ground ambulance20% coinsurance



Foot exams and treatment


Out-of-Network Foot care (podiatry services)40% coinsurance
In-Network Foot care (podiatry services)$0 copay



Routine foot care


Foot care (podiatry services)Not covered



Emergency


Emergency care/Urgent care$0 copay



Urgent care


Emergency care/Urgent care$0 copay



Primary


In-Network Doctor visits$0 copay
Out-of-Network Doctor visits40% coinsurance per visit



Specialist


Out-of-Network Doctor visits40% coinsurance per visit
In-Network Doctor visits$0 copay



Diagnostic radiology services (e.g., MRI)


Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance
In-Network Diagnostic procedures/lab services/imaging$0 copay



Diagnostic tests and procedures


In-Network Diagnostic procedures/lab services/imaging$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance



Lab services


In-Network Diagnostic procedures/lab services/imaging$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance



Outpatient x-rays


In-Network Diagnostic procedures/lab services/imaging$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging40% coinsurance



Diagnostic services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance



Endodontics


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay



Extractions


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay



Non-routine services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance



Periodontics


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance



Prosthodontics, other oral/maxillofacial surgery, other services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance



Restorative services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance




In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?No




Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Special Need Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Wellcare Dual Access Open (PPO D-SNP) requires you to live in that plan’s service area. The service area is listed below:





Source: CMS.

Plans as of Oct 1, 2022.

Last updated on

Notes: Data are subject to change. All contracts for 2023 have not been finalized. For 2023, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part Part D benefit.

Includes 2023 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.

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*Licensed Agent Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

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