WellCare Absolute (PPO) (H2775-111-0)

WellCare Absolute PPO H2775-111-0 is a popular WellCare Medicare Advantage plan in New York. Available for people living in select counties in the state, this PPO plan features a variety of benefits in addition to the coverage offered under Original Medicare.

The Centers for Medicare and Medicaid Services (CMS) rates Medicare Advantage plans on a scale of 1 to 5 stars, with 5 being the highest score. Plans are rated using various categories. CMS then gives the health plan an overall star rating, along with a separate star rating for the drug portion if applicable.

This MA plan from WellCare has an overall rating of 3.5 stars from CMS in 2021. The drug plan portion has a rating of 4 stars.

Plan Basics

WellCare Absolute PPO H2775-111-0 is a PPO plan. 

PPO stands for preferred provider organization. These plans typically do not require you to have a primary care doctor or a referral to see a specialist. PPOs also tend to cover care from in-network and out-of-network providers, though costs are more likely to be lower if you stay in the plan’s network of preferred providers. A PPO plan may or may not cover prescription drugs. If it doesn’t, you cannot join a standalone Part D plan and won’t have drug coverage.

With this Medicare Advantage PPO plan from WellCare Medicare, you don’t need a referral to see a specialist. And you can see providers in or out of the plan’s network, but you’ll spend less out of pocket on in-network providers. 

Some services may require pre-authorization, meaning WellCare Medicare may need to approve of the service first.

As a Medicare Advantage plan, the WellCare Absolute PPO H2775-111-0 plan covers everything that Original Medicare covers. That’s by law. Beyond these basic requirements, this MA plan from WellCare covers a broader range of benefits than you’ll find under Original Medicare. 

This plan covers prescription drugs. There may be a separate drug deductible and cost sharing for this coverage. Refer to plan details for specifics on tiers, drug pricing and more.

Below, we’ve outlined the costs and coverage of the WellCare Absolute PPO Plan. Scroll down to the bottom for a complete table of costs for this MA health plan.

Basic Costs

The monthly premium for the WellCare Absolute PPO H2775-111-0 plan is $0. You will also be responsible for your premiums under Original Medicare, typically just Part B for most people, unless you did not pay enough into Medicare through your paycheck withholdings and taxes. 

This plan also has a $0 deductible.

Medicare Advantage plans cap out-of-pocket expenses for the year. With the WellCare Absolute PPO H2775-111-0 plan, you’ll have a cap of $7,550 for in-network services and a combined cap of $11,300 for in- and out-of-network care. 

Once you spend this amount out of pocket, WellCare Medicare will pay for your remaining covered services without any cost sharing — i.e., at 100%. 

Copays, coinsurance and deductibles typically count towards the Medicare Advantage out-of-pocket limit. Premiums and prescription drug costs typically do not count towards the cap.

Hospital Coverage (Medicare Part A)

WellCare Absolute PPO H2775-111-0 covers the same hospital and skilled nursing facility services as Original Medicare. But you may pay less out of pocket for these services thanks to how the plan covers Part A care. Medicare Part A is hospital and skilled nursing facility coverage.

For hospital care, you’ll have a copay of $275 per day for days 1 through 6. For days 7 through 90, you’ll pay $0 with the WellCare Absolute PPO plan.

For skilled nursing facility (SNF) care, this Medicare Advantage plan from WellCare has a copay of $0 per day for days 1 through 20. From days 21 through 100, you’ll pay $184 per day. Beyond that, you’ll pay the full cost of SNF care.

Medical Coverage (Medicare Part B)

Medicare Part B covers outpatient services. Think doctor’s visits, routine checkups, outpatient surgery, flu shots, ambulance rides and other general medicare care. The WellCare Absolute PPO H2775-111-0 plan covers everything that Original Medicare covers but at different cost sharing amounts.

Under Original Medicare, you’ll pay 20% of the cost of Part B services. And there’s no cap on that amount, which means you’ll pay that 20% no matter how high it gets. Medicare Advantage plans, like this one from WellCare, cap these costs and also include different cost sharing in the first place.

For example, this MA plan from WellCare Medicare has a $0 copay for in-network primary care visits and charges $45 for in-network specialists. And because this plan is a PPO plan, you may have greater flexibility in the kinds of providers you see.

As a reminder, PPO plans tend to cover in-network and out-of-network services, though costs are typically lower with in-network providers. HMO plans may not cover care that you get outside of the plan’s network.

The WellCare Absolute PPO H2775-111-0 plan also covers a variety of preventive medical services at $0 for in-network care. These may include:

• Certain cancer screenings
• Cardiovascular disease screenings
• Tobacco use cessation & counseling
• Depression screenings
• Preventive vaccines (like flu and shingles)
• Nutrition therapy services
• & more

You may pay more out of pocket for non-network care under a PPO plan. With an HMO plan, non-network care may not be covered at all.

As a reminder, some covered benefits with the WellCare Absolute PPO plan may require pre-authorization. Always check your plan details carefully to see specific costs for the services you’ll need. 

Other Health Benefits

Original Medicare does not cover all of the medical care that you’ll need as you get older. Notably missing is coverage for prescription drugs, dental and vision benefits, hearing aids and exams, chiropractic services and routine foot care, among others.

WellCare Absolute PPO H2775-111-0 covers some of these and other benefits in addition to the standard benefits covered by Original Medicare. Added benefits under this Medicare Advantage plan from WellCare Medicare include:

• Routine dental
• Routine eye exams
• An allowance for glasses and/or contact lenses
• Routine hearing exams
• Hearing aids up to a specific dollar limit

Always check plan details for specifics about additional medical benefits offered by Medicare Advantage plans.

Medicare Advantage plans may include additional benefits not described above, such as access to fitness memberships, telehealth, nurse phone lines, coverage for non-medical services, and more. These benefits vary by plan.

For specific info on these and other covered care and services, check with the Summary of Benefits for this Medicare Advantage plan from WellCare.

Prescription Drug Coverage

The WellCare Absolute PPO H2775-111-0 plan covers prescription drugs. There’s no separate premium, but there is an annual deductible of $150 for drugs in tiers 3, 4 and 5. Tier 1 drugs have $0 cost-sharing for 30-day supplies of preferred generics if you get them at a standard pharmacy.

How much you pay out of pocket for your medication depends on the drug tier and where you get it. Like other Medicare Advantage plans, this MA plan with drug coverage from WellCare covers prescriptions at different tiers. Preferred generics cost less while specialty drugs (tier 5) tend to cost the most. 

If you fall into the Part D coverage gap — also known as the “donut hole” — then you’ll be responsible for 25% of the cost of your medications until you hit the out-of-pocket spending threshold for the year. 

The initial coverage limit with this WellCare Absolute PPO plan is $4,130 in 2021. That amount comes from:

• What you pay at the pharmacy counter out of pocket
• What your drug plan pays for the drug

Once you and your plan’s combined spending reaches the initial coverage limit, you’ll be in the donut hole until spending hits $6,550 in 2021. While you’re in the donut hole, you’ll pay no more than 25% of the cost of your drugs. 

But with this WellCare Medicare PPO plan, you may get a bit of extra help paying for drugs in the donut hole. 

That’s because 30-day and 90-day supplies of tier 1 drugs require a $0 copay at standard pharmacies, and a 90-day supply of tier 1 drugs from a preferred mail-order pharmacy has a $0 copay as well. All other tiers have the standard 25% cost sharing.

While you’re in the Part D coverage gap, what you pay out of pocket and about 70% of the cost of brand name drugs count towards your total out-of-pocket spending, which will help you get out of the gap faster. 

Once that happens, the plan’s catastrophic Part D coverage level kicks in. At this point, the WellCare Absolute PPO plan charges the greater of:

• 5% or $3.70 for generic drugs in 2021
• 5% or $9.20 for brand name drugs in 2021

Plan Costs for WellCare Absolute (PPO) (H2775-111-0)