Paul Sanchez
WellCare Health is a Florida-based insurance provider that offers Medicare Advantage (Part C) plans in 32 states and Medicare Part D plans in all 50 states. WellCare is part of Centene Corporation, the largest Medicaid managed care organization in the U.S. The company offers a range of Medicare Advantage plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans (SNPs). Many of WellCare's plans are available with $0 monthly premiums and include benefits such as prescription drug coverage, dental, vision, and hearing care.
| Characteristics | Values |
|---|---|
| Company | Wellcare Health Insurance |
| Parent Company | Centene Corporation |
| Location | St. Louis, Missouri |
| Type of Insurance | Medicare Advantage (Part C) |
| Number of Plan Choices | 3 |
| Plan Types | PPOs, HMOs, and SNPs |
| Number of States Covered | 32 |
| Number of Members | 51 million |
| Prescription Drug Coverage | Yes |
| Dental, Vision, and Hearing Care Coverage | Yes |
| Chiropractic Services | Yes |
| Acupuncture | Yes |
| Transportation | Yes |
| Average Monthly Cost | $8 |
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What You'll Learn
Wellcare Medicare Advantage plans
WellCare Health is a Florida-based insurance provider that offers Medicare Advantage (Part C) plans in several states. WellCare is part of the Centene Corporation, the largest Medicaid managed care organisation in the US.
WellCare offers Medicare Advantage plans in 32 states, with a range of options to choose from. These include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Special Needs Plans (SNP). These plans may offer additional benefits to Original Medicare (Parts A and B), such as dental, vision, and hearing coverage.
WellCare's HMO plans involve selecting a primary care provider (PCP) who manages a person's care and makes referrals to in-network specialists. PPO plans offer reduced rates for in-network providers, with reimbursement possible for out-of-network providers. SNP plans are designed for specific medical or financial needs.
WellCare also offers dual-eligible special needs plans (D-SNP) for individuals who qualify for both Medicare and Medicaid. These plans provide access to both federal government programs and are available in several states.
WellCare's Medicare Advantage plans feature low or no deductibles and limited out-of-pocket spending. Many of their plans have $0 monthly premiums, and they also offer prescription drug coverage.
To find out if WellCare offers a plan in your area, you can use Medicare's "find a plan" tool.
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Wellcare's Medicare Part D prescription drug plans
WellCare is a health insurance company that offers a range of Medicare plans, including prescription drug plans under Medicare Part D. These plans are designed to help cover the cost of prescription medications for Medicare beneficiaries.
WellCare offers several Medicare Part D plans, each with its own unique coverage and pricing. These plans typically cover a wide range of prescription drugs, including both brand-name and generic medications. The specific drugs covered can vary depending on the plan, but WellCare aims to provide access to a comprehensive list of medications to meet the needs of its members.
When you enroll in a WellCare Medicare Part D plan, you will typically pay a monthly premium. This premium amount can vary depending on the specific plan you choose and your location. In addition to the premium, you may also be responsible for other costs associated with your prescription drugs, including a deductible, copayments, or coinsurance. However, WellCare plans can help reduce these out-of-pocket expenses, especially for generic or preferred brand-name medications.
WellCare's Medicare Part D plans are typically open to anyone who is eligible for Medicare, including individuals 65 years or older, as well as some people with disabilities. When you enroll in a Medicare Part D plan, you will typically keep your existing Medicare coverage and simply add the prescription drug benefits provided by WellCare.
It is important to review the specific coverage details of each WellCare Medicare Part D plan, as the benefits and costs can vary. WellCare typically provides tools and resources to help you understand your options and choose the plan that best meets your needs. You can usually find information about the drugs covered, pricing estimates, and network pharmacies on their website or by contacting their customer service team.
By offering Medicare Part D prescription drug plans, WellCare helps beneficiaries manage their prescription drug costs and access the medications they need. With a range of plan options and comprehensive drug coverage, WellCare aims to provide affordable and accessible prescription drug benefits to Medicare enrollees. It is always important to carefully review the plan details to ensure it aligns with your specific needs and preferences.
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Wellcare's dual-eligible special needs plans (D-SNPs)
WellCare Health is an insurance provider based in Florida that offers Medicare Advantage plans in 32 states, as well as Medicare Part D prescription drug plans in all 50 states. WellCare is a subsidiary of Centene Corporation, the largest Medicaid managed care organization in the U.S.
D-SNPs provide additional support and benefits at no extra cost. These plans combine the benefits of both programs to offer comprehensive coverage, including medical services, prescription drugs, and care coordination services. For those with low incomes, the EXTRA HELP program provides cost support for prescription drugs.
WellCare offers a range of D-SNP plan options, including Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. With a D-SNP, you may need to choose a primary care provider (PCP) and you won't need a referral to see an in-network specialist. Out-of-network specialists may require a referral and may cost more.
WellCare's Medicare Advantage plans are typically benefit-rich and include prescription drug coverage, as well as dental, vision, and hearing care. These plans feature a comparatively low out-of-pocket maximum, capping the amount you pay for covered health care services in a plan year.
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Wellcare's Medicare Advantage plan costs
WellCare Health is a Florida-based insurance provider that offers Medicare Advantage (Part C) plans in 32 states. WellCare offers many types of Medicare plans in all 50 states. WellCare's Medicare Advantage plans vary by region and may include PPOs, HMOs, and SNPs. They could help you manage healthcare and prescription drug costs not covered under standard Medicare programs.
WellCare Medicare Advantage plans feature a comparatively low out-of-pocket maximum—a cap or limit on the money you pay for covered health care services in a plan year. WellCare's Medicare Advantage plans typically include benefits such as coverage for dental, vision, and hearing care. Many of WellCare's plans are part of the D-SNPs program for members eligible for both Medicare and Medicaid. In these programs, states cover some Medicare costs depending on an individual’s eligibility.
WellCare's Medicare Advantage plans have low or no deductibles and limited out-of-pocket spending, unlike Original Medicare. WellCare's $0 premium plans are the most popular. If you choose a $0 premium plan, you will still need to pay the standard Medicare premium, which was $185 per month in 2025. WellCare will notify you in the fall of any changes to costs.
You can find out if WellCare offers a plan in your area by searching Medicare’s find-a-plan tool.
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Wellcare's Medicare Advantage plan quality and customer satisfaction
WellCare Health is a Florida-based insurance provider that offers Medicare Advantage (Part C) plans in 32 states. WellCare is part of Centene Corporation, the largest Medicaid managed care organization in the U.S. WellCare has been providing Medicare Advantage benefits for over 20 years.
WellCare offers many types of Medicare Advantage plans in all 50 states. These include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Special Needs Plans (SNP). WellCare's plans are region-specific, so they may not offer all plan types in a particular area.
WellCare's Medicare Advantage plans typically include benefits such as coverage for dental, vision, and hearing care. They also offer dual-eligible special needs plans (D-SNPs) for people who qualify for both Medicare and Medicaid. WellCare's plans feature a comparatively low out-of-pocket maximum, which is a cap on the amount of money you have to pay for covered health care services in a plan year.
WellCare's Medicare Advantage plans have received mixed reviews in terms of quality and customer satisfaction. While they offer affordable options, with some plans having $0 monthly premiums, their overall customer satisfaction is lower than that of major companies like AARP/UnitedHealthcare. WellCare's plans have received lower ratings from the Centers for Medicare and Medicaid Services (CMS) compared to other health insurance companies offering Medicare Advantage plans. In 2025, only two of WellCare's plans received a star rating of 4 stars, with the rest rated 3.5 stars or lower. The National Committee for Quality Assurance rates health insurance plans on a 5-point scale based on clinical quality, member satisfaction, and survey results. WellCare ranked relatively low in California, Florida, Georgia, Illinois, and Texas.
However, WellCare's Part D plans, which are separate prescription drug plans, have a good reputation for customer satisfaction, with an average star rating of 3.5 from CMS. Additionally, WellCare offers perks such as Giveback plans that cover part or all of the Medicare Part B premium, making their plans more affordable.
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Frequently asked questions
WellCare is a private insurance company that offers Medicare Advantage (Part C) plans in 32 states and Medicare Part D prescription drug plans in all 50 states.
Medicare Advantage combines the benefits of Parts A and B of Original Medicare and may include additional benefits like vision, dental, and hearing care.
WellCare offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Special Needs Plan (SNP) options.
WellCare's Medicare Advantage plans cost $8 per month on average, with many $0 premium plans available. However, you will still need to pay for Medicare Part B, which costs $174.70 per month.
You can use Medicare's "find a plan" tool to see if WellCare offers a plan in your region.
