Health Insurance
of 2024
- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.
WellCare Health Insurance Review
What’s Included with WellCare?
- Diagnostic tests and imaging
- Preventive care services
- Primary care
- Outpatient surgery
- Immediate medical attention
- Prescription drugs
- Hospitalization
- Pregnancy care
- Habilitation and rehabilitation services
- Mental health, behavioural health, and substance abuse needs
- Pediatric dental or eye care
Types of Health Insurance Plans
|
Businesses and Organizations |
No |
|
Individuals and Families |
Yes |
|
Short-Term Health Insurance |
Not Stated |
Other Plans Offered:
- Medicare Advantage and PDP Plans
Plans Reviewed
Bronze Plan
- Out-of-pocket limit: $6,350 per individual and $12,700 per family
- No overall annual limit on specific services
- Overall deductibles: $3,000 per person and $6,000 per family
- A written referral is required to visit a specialist
- Other covered services: infertility treatment, Chiropractic care, Hearing aid
Silver Plan
- Out-of-pocket limit: $5,000 per individual and $10,000 per family
- Overall deductibles: $2,500 per person and $5,000 per family which do not apply to prenatal, postnatal, PCP visits, Tier 1 generic drugs, and Preventive care
- No annual maximum limit on selected covered services
- A written referral is required to see a specialist
- Other covered services: Infertility treatment, Hearing aid, Acupuncture, Dental care for adults, Chiropractic care
Gold Plan
- Out-of-pocket limit: $4,000 per individual and $8,000 per family
- Overall deductibles: $600 per person and $1,200per family which excludes prescription drugs
- No overall annual limit on specific covered services
- A written referral is required to visit a specialist
- Other covered services: Hearing aid, Chiropractic care, Infertility treatment
Platinum Plan
- No overall deductibles for both individuals and families
- No annual maximum limit for specific covered services
- Out-of-pocket limit: $2,000 per individual and $4,000 per family
- A written referral is required to see a specialist
- Other covered services: Hearing aid, Infertility treatment, Chiropractic care
*Details shown above are for the state of New York
How Much Does It Save You?
|
|
Bronze |
Silver |
Gold |
Platinum |
||||
|
Services Offered |
In-Network (Your Cost) |
Out-of-Network (Your Cost) |
In-Network (Your Cost) |
Out-of-Network (Your Cost) |
In-Network (Your Cost) |
Out-of-Network (Your Cost) |
In-Network (Your Cost) |
Out-of-Network (Your Cost) |
|
Diagnostic Test |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
PCP office: $25 co-pay after deductible Specialist office: $40 co-pay after deductible
|
Not covered |
PCP office: $15 co-pay after deductible Specialist office: $35 co-pay after deductible |
Not covered |
|
Imaging |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$40 co-pay after deductible |
Not covered |
$35 co-pay |
Not covered |
|
Preventive Care Services |
Covered in full |
Not covered |
Covered in full |
Not covered |
Covered in full |
Not covered |
Covered in full |
Not covered |
|
Primary Care |
50% after deductible |
Not covered |
Visits 1-3: $0 co-pay Visits 4+: 30% deductible |
Not covered |
$25 co-pay after deductible |
Not covered |
$15 co-pay |
Not covered |
|
Generic Drugs |
Retail: $10 co-pay Mail Order: $25 co-pay after deductible |
Not covered |
Retail: 30% Mail Order: 30% after deductible |
Not covered |
Retail: $10 co-pay Mail order: $25 co-pay |
Not covered |
Retail: $10 co-pay Mail order: $25 co-pay |
Not covered |
|
Specialty Drugs |
Mail order: $70 co-pay after deductible |
Not covered |
Mail order: 30% after deductible |
Not covered |
Mail order: $70 co-pay |
Not covered |
Mail order: $60 co-pay after deductible |
Not covered |
|
Hospital Stay |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$100 co-pay after deductible |
Not covered |
Physician/Surgeon fee: $100 co-pay Facility fee: $500 co-pay per admit |
Not covered |
|
Outpatient Surgery |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$100 co-pay after deductible |
Not covered |
$100 co-pay |
Not covered |
|
Urgent Care |
50% after deductible |
50% after deductible |
30% after deductible |
30% after deductible |
$60 co-pay after deductible |
$60 co-pay after deductible |
$55 co-pay |
$55 co-pay |
|
Emergency Room Services |
50% after deductible |
50% after deductible |
30% after deductible |
30% after deductible |
$150 co-pay after deductible |
Not covered |
$100 co-pay |
$100 co-pay |
|
Emergency Medical Transportation |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$150 co-pay after deductible |
Not covered |
$100 co-pay |
Not covered |
|
Mental/ Behavioral Inpatient Services |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$1,000 co-pay per admit after deductible |
Not covered |
$500 co-pay per admit |
Not covered |
|
Mental/ Behavioral Outpatient Services |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$25 co-pay after deductible |
Not covered |
$15 co-pay |
Not covered |
|
Substance Use Disorder Inpatient Services |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$1,000 co-pay per admin after deductible |
Not covered |
$500 co-pay per admit |
Not covered |
|
Substance Use Disorder Outpatient Services |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$25 co-pay after deductible |
Not covered |
$15 co-pay |
Not covered |
|
Prenatal and Postnatal care |
Covered in full |
Not covered |
Covered in full |
Not covered |
Covered in full |
Not covered |
Covered in full |
Not covered |
|
Pregnancy Delivery and Inpatient Services |
50% after deductible |
Not covered |
30% after deductible |
Not covered |
$1,000 co-pay per admit after deductible |
Not covered |
$500 co-pay per admit |
Not covered |
|
Rehabilitation and |
50% after deductible |
Not covered |
30% after deductible |
50% after deductible |
$30 co-pay after deductible |
Not covered |
$25 co-pay |
Not covered |
|
Bronze |
None |
|
Silver |
None |
|
Gold |
None |
|
Platinum |
None |
*Only on specific covered services
Summary
WellCare health insurance offers excellent medical services coverage and benefit programs that makes them a good choice for seniors, families, and individuals.
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- Get Coverage as soon as Tomorrow!
- Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
- Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
- Visit any doctor in their nationwide network; no referral required
- No long term commitment. Budget Friendly.