WellCare Health Plans Review 2021: Prices, Products and Features

WellCare Health Plans is a health insurance provider specializing in the national delivery of Medicare and Medicaid Services. The organization provides medical programs provided by the government to families, people and the elderly.

WellCare Health Plans Review 2020: Prices, Products and Features

WellCare Health started operations as a Medicaid provider for the State of Florida in Tampa, Florida, in 1985. They have now grown into a corporation with a turnover of $17 billion, and now have one of the best Medicare Part D plans available at the moment.

WellCare predominantly offers managed health care services through Medicaid, Medicare Advantage and Medicare Prescription Drug programs and covers more than 4.4 million participants in the U.S.

The company partners with more than 407,000 contracted pharmacies, healthcare institutions, and vendors, and it employs more than 8,900 employees.

Pros

  • Six plans available
  • Good expert advice

Cons

  • Not many additional benefits

Prices at WellCare Health

There are of course some basic discrepancies in prices when looking at quotes for individual Medicare Part D plans dependant on the customer.

However, we took as our standard a married, middle-aged man without any pre-existing conditions living in Louisiana. The plans are explained in more detail below, but the quotes we were given were as follows:

The WellCare Wellness Rx

This plan has an $8 co-pay on generic drugs and a $435 in-network deductible. The monthly premium quoted was $15.70.

The WellCare Value Script Rx

This plan has a $5 co-pay on generic drugs and a $435 in-network deductible. The monthly premium quoted was $18.00.

The WellCare Medicare Rx

The select plan has a $15 co-pay on generic drugs and a $385 in-network deductible. The monthly premium quoted was $21.40.

The WellCare Classic Rx

This plan has a $1 co-pay on generic drugs and a $435 in-network deductible. The monthly premium quoted was $27.30.

The WellCare Medicare Rx

Saver plan has a $2 co-pay on generic drugs and a $435 in-network deductible. The monthly premium quoted was $32.20.

The WellCare Medicare Rx

Value Plus plan has a $10 co-pay on generic drugs and a $0 in-network deductible. The monthly premium quoted was $71.60.

Read: Off-Exchange Health Insurance: Why You Should Choose This

Products Offered at WellCare Health

WellCare Health Plans has six Medicare Part D options available to potential clients, each with a premium option, different rates of benefits, deductibles, and coverage to cater to a wide variety of potential clients.

WellCare Health

The details of each plan are clearly laid out on the WellCare website, and there is a simple path to finding out which plan would be the most suitable for a customer’s specific requirements.

WellCare Classic (PDP) and WellCare Medicare Rx Saver (PDP)

These plans typically work best for members who take prescriptions occasionally or only a few each month and who are also looking for a plan with a low premium.

These plans also work well for members that have Extra Help.

WellCare Medicare Rx Value Plus (PDP)

These plans typically work best for members who take several prescriptions each month and are looking for no deductible.

WellCare Value Script (PDP)WellCare Medicare Rx Select (PDP), and WellCare Wellness Rx (PDP)

These plans typically work best for members who don’t have very many prescriptions and are looking for a plan with a low premium. These plans also have no deductible on medications in Tiers 1 and 2.

To join any of the plans, customers must be entitled to Medicare Part A, and/or be enrolled in Medicare Part B and live in the WellCare Health service area.

Features of WellCare Health Plans 

  • Good expert/specialist advice
  • Wide range of plans
  • Large network of pharmacies

Good Expert/Specialist Advice

Since WellCare Health Plans focus almost exclusively on government-sponsored healthcare plans such as Medicare and Medicaid, their customer service agents are very well versed in these plans and can offer specialist advice that not all Part D vendors can.

Wide Range of Plans

There are six Part D plans offered by WellCare Health, a higher number than most of their peers and an excellent range offering everything from a basic, entry-level plan to a comprehensive plan with panoramic coverage.

Large Network of Pharmacies

WellCare Health Plans has more than 60,000 in-network pharmacy partners across all 50 states, meaning that they offer excellent nationwide coverage.

Large companies such as Walmart are part of their preferred providers.

Bottom Line

WellCare Health Plans are an expert in government-sponsored healthcare programs, and so they are a great tool to weigh up the Medicare Part D program that could be appropriate for any potential client.

WellCare Health

They also have an outstanding range of available plans, ranging from very reasonable entry-level plans to good value, comprehensive plans for clients with significant prescription needs.

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