
Wellcare Dual Reserve (HMO D-SNP) Costs & Coverage, Washington County, Florida
Wellcare Dual Reserve (HMO D-SNP) Costs & Coverage, Washington County, Florida
Discover how Wellcare Dual Reserve (HMO D-SNP) stands out as a 2026 Special Needs Plan (SNP), offering tailored coverage to fit your individual needs. This page provides a comprehensive look at the plan’s benefits and costs, helping you make an informed choice.
Delivery of healthcare services and costs by Wellcare are different than Original Medicare. This private health insurance option, available to qualified individuals in Washington County, FL, may include additional benefits that are not provided by Medicare Part A and Part B.
As of May 31, 2025, plan enrollments topped 3,368 members, with 0 in Washington County, Florida.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. The Wellcare logo is a registered trademark.[2]
Wellcare Dual Reserve Overview
Plan ID H1032-202-0 Overview | |
---|---|
Health Plan ID: | H1032-202-0 |
Medicare Advantage Plan Type: | HMO D-SNP |
Plan Year: | 2026 |
Monthly Premium: | $4.80 Plus your Medicare Part B premium. |
Health Plan Deductible: | $0.00 |
Annual Out-of-Pocket Maximum: | $3000.00 (In-Network) |
Part B Give Back: | Not offered |
Part D Drug Plan Benefit: | Basic, $615.00 deductible |
Additional Benefits: | Dental, Vision, Hearing |
Availability: | Washington County, FL |
Insured By: | Wellcare |
We're Here to Help You Enroll
Health Plan Cost Sharing & Benefits
Wellcare Dual Reserve is a Health Maintenance Organization (HMO) plan. As an HMO member, you typically receive healthcare services through the plan’s local network of providers, with referrals generally required to see specialists and other providers. However, Wellcare Dual Reserve does cover out-of-network care for emergencies and out-of-area dialysis.
Find out the costs for visiting your primary care doctor and specialists, as well as coverage for wellness and preventive programs.
Service | Enrollee Cost (in-network) |
---|---|
Primary: | In-network: $0 copay |
Specialist: | In-network: $0 copay |
Medicare Advantage plans often include preventive and wellness benefits designed to help members stay healthy, identify risks early, and maintain an active lifestyle.
Service | Enrollee Cost (in-network) |
---|---|
Annual wellness exam: | In-network: $0 copay |
Telehealth benefit: | In-network: $0 copay |
Routine chiropractic: | In-network: $0 copay |
Fitness benefits: | In-network: $0 copay |
Health education: | Not covered |
Counseling services: | Not covered |
Over the counter drug benefits: | In-network: $0 copay |
Health transportation (non-emergency): | In-network: $0 copay |
Review the costs for emergency services, urgent care, ambulance services, inpatient hospital stays, and skilled nursing facility care.
Service | Enrollee Cost |
---|---|
Emergency room care: | $0 or $150 copay |
Wordwide emergency care: | $150 copay |
Urgent care: | $0 copay |
Inpatient hospital care: | Tier 1 | $0 per day for days 1-90 | $0 per stay |
Skilled Nursing Facility: | Tier 1 | $0 per day for days 1-20 | $0 or $218 per day for days 21-40 | $0 per day for days 41-100 |
Ground ambulance: | In-network: $0 or $150 copay |
This section explains the costs for mental health services, including individual and group therapy, and inpatient care.
Service | Enrollee Cost (in-network) |
---|---|
Outpatient individual therapy: | In-network: $0 copay |
Outpatient group therapy: | In-network: $0 copay |
Inpatient psychiatric hospital care: | Tier 1 | $0 per day for days 1-90 | $0 per stay |
See the cost details for rehabilitation services, including physical therapy, speech therapy, and occupational therapy.
Service | Enrollee Cost (in-network) |
---|---|
Physical therapy and speech and language therapy: | In-network: $0 copay |
Occupational therapy: | In-network: $0 copay |
Learn about the costs associated with medical equipment and supplies, including diabetes supplies, durable medical equipment, and prosthetics.
Service | Enrollee Cost (in-network) |
---|---|
Diabetes supplies: | In-network: $0 copay |
Durable medical equipment: | In-network: 0% or 20% coinsurance |
Prosthetics: | In-network: 0% or 20% coinsurance |
This section outlines the costs for diagnostic services, lab tests, x-rays, and other imaging services.
Service | Enrollee Cost (in-network) |
---|---|
Diagnostic radiology services: | In-network: $0 or $0-$100 copay |
Lab services: | In-network: $0 or $0-$50 copay |
Outpatient x-rays: | In-network: $0 or $40 copay |
Diagnostic tests and procedures: | In-network: $0 copay |
Review the cost-sharing details for chemotherapy and other Medicare Part B-covered drugs.
Service | Enrollee Cost (in-network) |
---|---|
Chemotherapy: | In-network: 0% or 0%-20% coinsurance |
Other Part B drugs (Medicare-covered): | In-network: 0% or 0%-20% coinsurance |
This section details the dental services covered under your plan including Medicare-covered preventive dental, oral exams, x-rays, dental cleanings, and comprehensive dental.
Service | Member Cost (in-network) |
---|---|
Oral exam: | In-network: $0 copay |
Dental x-rays: | In-network: $0 copay |
Cleaning: | In-network: $0 copay |
Periodontics: | In-network: $0 copay |
Endodontics: | In-network: $0 copay |
Restorative services: | In-network: $0 copay |
Implant services: | Not covered |
Orthodontics: | Not covered |
Oral/Maxillofacial surgery: | In-network: $0 copay |
This section outlines the coverage for hearing-related services, including exams, fittings, and hearing aids.
Service | Member Cost (in-network) |
---|---|
Hearing exam: | In-network: $0 copay |
Fitting/evaluation: | In-network: $0 copay |
Prescription hearing aids: | In-network: $0 copay |
OTC hearing aids: | Not covered |
Learn about the costs for vision-related services, including eye exams, eyeglasses, and contact lenses.
Service | Member Cost (in-network) |
---|---|
Routine eye exam: | In-network: $0 copay |
Contact lenses: | In-network: $0 copay |
Eyeglass frames only: | In-network: $0 copay |
Eyeglass lenses only: | In-network: $0 copay |
Eyeglasses (frames & lenses): | In-network: $0 copay |
Upgrades: | In-network: $0 copay |
Medicare Advantage plans may include extra benefits and special needs services designed to support members with chronic conditions, mobility limitations, or other complex health needs.
Service | Enrollee Cost (in-network) |
---|---|
Adult day health services: | Not covered |
Home based palliative care: | Not covered |
Personal emergency response system: | Not covered |
Weight management programs: | Not covered |
'Wigs for chemotherapy hair loss: | Not covered |
Alternative therapies: | In-network: $0 copay |
Massage therapy: | Not covered |
Home/bathroom safety devices: | Not covered |
Do you have questions about the costs in this plan? Call 1-833-748-3201 (TTY 711) to speak with a licensed HealthCompare insurance agent (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and learn more about this Special Needs Plan (H1032-202-0) and other plans on this site.
Prescription Drug Plan Costs & Benefits
Prescription Drug Plan Premium
The following table outlines the prescription drug plan premium details of this plan.
Part D Premium Component | Amount |
---|---|
Basic Part D Premium: | $4.80 |
Supplemental Part D Premium: | $0.00 |
Total Part D Premium: | $4.80 |
Low Income Premium Subsidy: | $4.82 |
Low Income Premium Subsidy CMS Pays: | $4.80 |
Low Income Subsidy Premium: | $0.00 |
For more information about the Low Income Subsidy, refer to the Social Security Extra Help page.
Prescription Drug Plan Deductible
The Medicare Part D annual deductible with this plan is $615.00. This is the amount you must pay at the pharmacy before Wellcare begins paying its share.
Prescription Drug Plan Out-of-Pocket Costs
In addition to the plan's monthly premium and deductible, Wellcare Dual Reserve has out-of-pocket costs that you must pay when you pick up your prescriptions. The following table shows you those costs.
Drug Tier | Retail | Mail Order |
---|---|---|
Preferred Generic | $2.00 copay | Coming soon |
Generic | $19.00 copay | Coming soon |
Preferred Brand | 20% coinsurance | Coming soon |
Non-Preferred Drug | $100.00 copay | Coming soon |
Specialty Tier | 25% coinsurance | Coming soon |
Select Care Drugs | $0.00 copay | Coming soon |
*Deductible does not apply. |
5-Star Rating Marks
Each year, Medicare Advantage HMO D-SNPs are rated by the Centers for Medicare & Medicaid Services (CMS) across nine categories using a 5-star system. These star ratings are designed to help you assess the quality of care and service offered by this Wellcare plan.
CMS Star Ratings for Plan H1032-202-0 – 2026
CMS Measure | Star Rating (out of 5) |
---|---|
2026 Overall Rating | |
Staying Healthy: Screenings, Tests, Vaccines | |
Managing Chronic (Long Term) Conditions | |
Member Experience with Health Plan | |
Complaints and Changes in Plans Performance | |
Health Plan Customer Service | |
Drug Plan Customer Service | |
Complaints and Changes in the Drug Plan | |
Member Experience with the Drug Plan | Not enough data available |
Drug Safety and Accuracy of Drug Pricing |
How to Qualify for Enrollment in Wellcare Dual Reserve
To enroll in Wellcare Dual Reserve you must qualify for both Medicare and Medicaid and live in one of the plan's service areas. Eligibility for Medicare requires you to be either 65 years of age or older, or have received Social Security Disability Insurance for at least 24 months. For Medicaid eligibility, your income and assets must fall at or below your state's thresholds.
SNP Plan Enrollment Periods
After confirming your eligibility for Wellcare Dual Reserve, it’s essential to understand when you can enroll or make changes to your Medicare plan. The following enrollment periods are important to understand and mark on your calendar
- Initial Enrollment Period (IEP): This is your first opportunity to enroll when you become Medicare-eligible.
- Annual Enrollment Period (AEP): The annual window when you can review and adjust your Medicare coverage.
- Special Enrollment Periods (SEPs): Special situations may allow you to enroll or change plans outside of the standard periods.
For more details on enrollment periods, you can learn more here and make sure you’re well-informed about your Medicare choices.
Contact Wellcare
Call 833-748-3201 (TTY 711) to speak with a licensed HealthCompare insurance agent (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and learn more about this plan and other plans on this site. You may also Enroll Online.
Contact Type | Details |
---|---|
Website: | Wellcare Plan Page |
New Members: | 1-844-480-0680 |
Existing Members: | 1-855-445-3578 |
Plan Address: | PO Box 31395 | Tampa, FL 33631 |
If you qualify for Medicare benefits but have not yet enrolled or verified your status, visit Social Security Administration website or Medicare.gov.
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 15, 2025
- CMS.gov, Monthly Enrollment by Contract/Plan/State/County — Last accessed October 13, 2025
Learn more about how we use CMS data.
- Wellcare, http://www.wellcare.com/medicare — Last accessed October 13, 2025
- CMS.gov, "Dual Eligible Special Needs Plans (D-SNPs)" — Last accessed September 20, 2025
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 5 May, 2025
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Page content managed by David Bynon, Medicare Analyst.