Well Care Insurance Reviews: An affordable health insurance provider!

Updated: November 9, 2022
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Wellcare health insurance reviews: An affordable health insurance provider! If you’re like most people, you want to be able to take care of yourself and your family without worrying about how you’re going to pay for healthcare. Since 1985, WellCare Health Plans Inc., based in Tampa, has offered Americans affordable health insurance and prescription drug coverage. It currently sells Medicare plans in at least 27 states and serves customers nationally. The best health insurance companies offers a wide range of plans that are perfect for everyone. Plus, with their excellent customer service, you’ll be able to enjoy peace of mind knowing that you’re covered no matter what.

WellCare Health Insurance Reviews at a Glance

WellCare is a fully-owned subsidiary of Centene Corp., which bought it in January. On January 1, 2022, WellCare replaced the names TexanPlus and Allwell. 

WellCare specializes in government-sponsored health insurance plans like Medicare and Medicaid.  Subsidiaries of the corporation are dispersed all throughout the nation. Each state has a different set of WellCare health insurance programs.

In all 50 states, WellCare provides services to 4.1 million PDP members and over 1.2 million Medicare Advantage enrollees. 

 Flex assists members with travel costs, copays, telehealth services, and wellness initiatives. Flex cards or new Medicare health insurance card (how to get a new Medicare health insurance card) can be used to get additional benefits for those with chronic illnesses. 

According to Benzinga’s analysis, WellCare provides Medicare Advantage and Standalone Prescription Drug Plans with reasonable premiums and extra benefits across a large geographic area. Medicare recipients may purchase dental, hearing, and best vision insurance. 

WellCare health insurance reviews: What is WellCare?

A multinational insurance corporation with numerous subsidiaries, Centene, owns the WellCare brand of health insurance. WellCare offers many more Medicare options than only Medicare Advantage.

Additionally, Wellcare provides Medicare Part D prescription drug insurance, the parent company, and Centene also sells Medigap policies under the Health Net division. 

The corporation’s primary focus is on its Medicare Special Needs Plans (SNPs) plus Medicare-Medicaid plans as part of its substantial role as a Medicaid provider (MMPs).

Is WellCare Good Insurance Provider

Best for
  • Medicare beneficiaries looking for affordable medical treatment
  • Government workers
Pros
  • For further savings, the Flex card offers additional incentives?
  • No co-pay with PDP plans for several Tier 1 medications
  • Dividend payments repay Medicare Part B premiums for some participants in specified markets.
  • Veterans in retirement can receive free prescription drugs through Medicare Advantage.
Cons
  • Mixed feedback on client service
  • Options for coverage differ by state.
  • Those without Medicare may only have a few options.

 

WellCare Medicare Advantage Plans 2022 (Policy Options)

Health-Maintenance Organizations (HMOs) With-network providers should be used as often as feasible in WellCare’s Medicare Advantage HMO plans; using out-of-network doctors is possible but more expensive. Members require a referral from their primary care physician to see a specialist (PCP). WellCare’s HMO plans cannot be combined with stand-alone prescription medication plans because they contain pharmacies.
Preferred-Provider Organizations (PPOs) The provider networks for WellCare PPO plans are extensive. You cannot acquire a separate Member D prescription plan with WellCare PPO because pharmacies are a part of those networks. WellCare PPO members do not require a PCP and do not require a referral to see a specialist in the network. Outside of the network, you can receive care but expect to pay more.
Dual-Eligible Special Needs Plans (D-SNP) D-SNPs, or dual-eligible special needs plans, combine Medicare Advantage coverage with optional benefits from commercial insurers. Medicaid and Medicare frequently cover the costs of these programs. Members may receive health coaching from WellCare D-SNPs in addition to care coordination. Additionally, these programs provide delivery of meals, over-the-counter benefits, and transportation to the doctor and drugstore. Extra Help, a Medicare program that assists low-income people in paying for medications, is available to others.
Disabilities Care Plans (C-SNP) For members with long-term diseases, including diabetes and heart failure, WellCare also provides chronic condition special needs plans (C-SNP). Like D-SNPs, C-SNPs provide Medicare Advantage plus. Members of the C-SNP receive savings from WellCare on necessities like insulin for diabetes. Members with complicated medical demands are also helped by it. Members of the C-SNP are required to have a PCP who manages their care. Prescription medicines are covered by WellCare C-SNP plans with little or no monthly fee as well as no copayments.
Return Dividend Plans Members receive a partial or full return of their Medicare Part B premiums via Social Security or as a credit on their Part B premium statement. Retired veterans who get free medicines from the U.S. Department of Veterans Affairs can choose from Medicare Advantage Give Back programs.
Personal Service Fees Private-fee-for-service (PFFS) plans don’t demand a PCP or specialist referrals, similar to PPOs. A standalone prescription drug plan can be purchased by Wellcare PFFS plan members. If you already use specialty prescriptions and are transitioning to Medicare, these plans can be extremely useful.
Prescription Drug Plans Medicare Parts A and B are supplemented by separate prescription drug plans (PDPs). At 60,000 in-network retail pharmacies nationwide, there are no copays required for Tier 1 medications, and there are savings on other tiers for mail-order prescriptions. The PDP options offered by Wellcare have different premiums, coinsurance, and deductibles, percentages for higher-tier medications.

What Does WellCare Insurance Cover?

The WellCare health insurance portfolio consists of commercial plans for singles and families as well as Advantage Coverage, as well as Part D prescription medication plans for Medicare subscribers. Options for coverage might vary by state of residency and might include:

  • Medicaid-managed care coverage.
  • Children’s Health Insurance Program (CHIP)
  • Medicaid managed care coverage.
  • Medicare Advantage and prescription drug plan

WellCare Health Insurance Reviews: Affordable Plan Options

Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are your alternatives. They include choices for people who are eligible for special needs plans because of a certain medical condition. 

Additionally, specific localities could provide private fee-for-service solutions. WellCare has affordable rates and several policies with no-premium and no-deductible annual plans. Vision, Dental, and hearing coverage are frequently included in Medicare Advantage Plans.

WellCare Health Insurance Reviews: WellCare Rating

You may get a fair picture of how WellCare compares to rivals through customer satisfaction ratings. When generating these ratings, we took into account coverage quality, financial stability, and overall value.

  • Customer satisfaction: 4/5
  • Financial strength: 3.5/5
  • Value: 4.2/5
  • Coverage: 4.5

Customer satisfaction: 4/5

The Consumer Affairs, Better Business Bureau, and the National Committee for Quality Assurance data sets constitute the foundation for WellCare’s customer satisfaction ratings. The insurer performed as shown below.

  • With more than 35 years in business, WellCare has kept its BBB A+ rating. In the last year, the company has resolved 72 complaints, the majority of which were in relation to its Part D prescription drug coverage.
  • WellCare of New York receives an average rating of 3.0 from the National Committee for Quality Assurance for its commercial insurance plans. Ratings for treatment and customer satisfaction vary from 2.5 for preventative care to 3.0 for treatment. Medicare and Medicaid plans perform differently.
  • Based on more than 240 reviews, Consumer Affairs has given WellCare a 3.3 rating. Denials, poor reimbursement, and bad customer service have all been mentioned as problems by certain customers. Customers claim, however, that the coverage is good, with affordable prices and a variety of plan options.

Financial strength: 3.5/5

  • WellCare has a respectable ability to pay its ongoing debts. The business has a B grade from A.M. Best, a credit organization that offers Financial Strength Ratings.

Value: 4.2/5

  • One of the selling elements of WellCare is its affordable premiums. Its Medicare Advantage plans have affordable copays for specialists and zero copays for general care. As a result, although out-of-pocket maximums differ, premiums and deductibles are modest.

Coverage: 4.5

  • This evaluation is based on the breadth and depth of the WellCare provider network, the terms of its coverage, and the choice of policies. Depending on their demands and budget, consumers in most places have a variety of plans to select from.

WellCare Prescription Drug Plan Reviews

wellcare health insurance reviews

A subsidiary of Centene Corp., the second-largest provider of Medicare Part D coverage, is WellCare. By April 2022, there will be about 4.2 million Medicare recipients with WellCare Part D coverage. Although WellCare’s Part D plans are reasonably priced, they don’t have the best reviews. 

The Centers for Medicare & Medicaid Services, or CMS, has given them an overall star rating that is below average, and on eight of the 12 Medicare Part D quality indicators, they have received below-average ratings. What you need to know about WellCare’s Medicare Part D prescription drug programs is provided below.

WellCare Medicare Part D pros 

Low prices On average, WellCare plans are less expensive than those of the majority of the giant rivals.
$0-deductible options For pharmaceuticals on the formulary’s Tier 1 and Tier 2, WellCare’s affordable Value Script plan has no deductible, while its Medicare Rx Value Plus plan has no deductible for all covered medications.

WellCare Medicare Part D cons

Low-quality ratings On two-thirds of the Medicare Part D quality indicators used by CMS, WellCare gets ratings that are below average.
Classic plan’s coinsurance requirement Some Tier 3 (preferred brand-name) medications under the WellCare Classic plan come with coinsurance requirements rather than copays, which could get pricey.

 

Available Medicare Part D prescription drug plans

Medicare Part D plans for prescription drug coverage are available to beneficiaries of Original Medicare (Part A or Part B). 

Private insurance providers market and sell Part D plans. It’s crucial to examine options because the prices and coverage can differ greatly.

For 2022, WellCare has reduced the number of stand-alone Medicare prescription drug plans it offers from six to three.

WellCare Classic This plan is “suitable to those who consume only a few drugs and prefer a cheap monthly premium,” according to WellCare.
WellCare Medicare Rx Value Plus This plan, according to WellCare, is “suitable to those who regularly use a number of drugs and prefer minimal co-payments and no deductibles.”
WellCare Value Script The plan has “a low premium and $0 copays for Tier 1 medicines when filled at a preferred cost-sharing pharmacy,” according to WellCare.

WellCare Medicare Part D Star Ratings

Compare WellCare Part D star ratings Stand-alone WellCare’s Medicare Part D plans beat the national average on three of the Part D metrics, while they are behind on eight of them. There wasn’t enough information available for WellCare to be rated in 2022 for one measure, drug plan quality improvement. For each of the remaining 11 Part D measures, this is how standalone WellCare plans fared against national averages.
Average Part D star rating: 3.5 A 5-point system is used for these ratings, with 5 representing the greatest and one the worst. The agency based its ratings on the level of consumer satisfaction and service quality provided by prescription plans, and ratings are updated yearly. Stand-alone WellCare prescription drug plans receive an overall rating of 3.5 stars based on data from the most recent reporting year. Weighted by enrollment, the 2022 average for all stand-alone Medicare Part D plans from all providers was 3.7 stars.
Third-party ratings (American Customer Satisfaction Index: 72 out of 100) Based on a research model created at the University of Michigan, the American Customer Satisfaction Index (ACSI) measures consumer satisfaction with goods and services. Surveys that gauge consumers’ expectations and their perceptions of the value and quality of goods and services are used to generate ratings.

The parent business of WellCare, Centene, received a score of 72 out of 100 on the ACSI health insurance satisfaction criteria in 2021.

Centene’s score reflects all of its health insurance products, not just Medicare Part D insurance, as the ACSI gauges satisfaction with the health insurance sector as a whole. The highest score was 75, and the industry average for health insurance was 73.

 

The service area for WellCare Medicare Part D

Stand-alone WellCare offers Medicare prescription drug programs in all 50 states and Washington, D.C. In each of its markets, Wellcare provides all three of its Medicare Part D plan choices.

WellCare Medicare Part D Cost

Plan Monthly premiums: Annual deductible
WellCare Classic
  • Highest: $36.30.
  • Lowest: $21.70.
  • Average: $30.82.
$480.
WellCare Medicare Rx Value Plus
  • Highest: $69.
  • Lowest: $59.
  • Average: $68.70.
$0.
WellCare Value Script
  • Highest: $13.00.
  • Lowest: $5.50.
  • Average: $11.85.
$480.

 

Extra Benefits

Most Medicare Advantage plans from WellCare include dental, vision, and hearing benefits. 

Many also offer free home exercise programs & gym memberships. Many WellCare plans cover telehealth visits and provide free transportation to and from medical appointments & pharmacies.

Some WellCare plans also offer discounts on wellness-related goods and services like chiropractic care, acupuncture, personal training & nutrition. 

For instance, the plan covers over-the-counter drugs, toothpaste, and vitamins. Members can order products online or in-store and have them delivered.

A pre-loaded Visa debit card and The Flex Card, with a value of $200 to $2,000, are also available to participants in WellCare’s Medicare Advantage program. For additional details on how these cards are issued, get in touch with WellCare. Members may use the Flex Card to pay for uncovered dentistry, vision, or hearing costs.

WellCare Health Insurance Reviews : WellCare vs. Competitors

In addition to the Flex card, which adds extra benefits for even greater savings, PDP plans with no copays for some Tier 1 drugs, dividend payments that reimburse Medicare Part B premiums for some members in specific markets, and the Medicare Advantage plan that provides free prescriptions to retired veterans, WellCare offers many great benefits to its members. Here is how WellCare compares to the opposition.

Best for Overall Rating
WellCare Prescription Drug Plans for Medicare 4Star
AARP Elderly retirees over 50 5Star

 

Providers  Mobile apps
Cigna 875k+ Yes
Blue Cross Blue Shield 28k+ Yes
United Healthcare 855k+ Yes
Aetna 700k+ Yes
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