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2023 Wellcare Patriot No Premium Open (PPO)

Wellcare Patriot No Premium Open (PPO) H4699-006 is a 2023 Medicare Advantage Plan or Part-C by Wellcare available to residents in Rhode Island. This plan does not provide extra prescription drug (Part-D) coverage. Wellcare Wellcare Patriot No Premium Open (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $3,450 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $3,450 out-of-pocket. This can be an extremely nice safety net.

Wellcare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Wellcare Patriot No Premium Open (PPO) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Wellcare and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from Wellcare except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Rhode Island.



2023 Wellcare Medicare Advantage Plan Overview

Name:Wellcare Patriot No Premium Open (PPO)
Plan ID:H4699 006 0
Provider:Wellcare
Year:2023
Type:Local PPO *
Combined Premium (C+D):$0/mo
MOOP:$3,450/yr
Similar Plan: H4699-001




What type of plan is Wellcare Patriot No Premium Open (PPO)

Wellcare Patriot No Premium Open (PPO) is a Local PPO *. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network, but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

How much does Wellcare Patriot No Premium Open (PPO) cost?


Part-C Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. Wellcare charges a $0 premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.


MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Wellcare Patriot No Premium Open (PPO) by Wellcare MOOP is $3,450. Once you spend $3,450 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.





2023 Summary of Benefits


The benefit information provided is a summary of what Wellcare Patriot No Premium Open (PPO) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from Wellcare helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)Covered


Contact lenses


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance


Eyeglass frames


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance


Eyeglass lenses


In-Network Vision$0 copay
Out-of-Network Vision40% coinsurance


Eyeglasses (frames and lenses)


Out-of-Network Vision40% coinsurance
In-Network Vision$0 copay


Other


VisionNot covered


Routine eye exam


Out-of-Network Vision40% coinsurance
In-Network Vision$0 copay


Upgrades


Out-of-Network Vision40% coinsurance
In-Network Vision$0 copay



Out-of-Network Transportation75% coinsurance
In-Network Transportation$0 copay
In-Network Skilled Nursing Facility$0 per day for days 1 through 20
$196 per day for days 21 through 40
$0 per day for days 41 through 100
Out-of-Network Skilled Nursing Facility$0 per day for days 1 through 20
$196 per day for days 21 through 100


Occupational therapy visit


Out-of-Network Rehabilitation services30% coinsurance
In-Network Rehabilitation services$25 copay


Physical therapy and speech and language therapy visit


In-Network Rehabilitation services$25 copay
Out-of-Network Rehabilitation services30% coinsurance


Cleaning


Out-of-Network Preventive dental50% coinsurance
In-Network Preventive dental$0 copay


Dental x-ray(s)


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental50% coinsurance


Fluoride treatment


Out-of-Network Preventive dental50% coinsurance
In-Network Preventive dental$0 copay


Oral exam


In-Network Preventive dental$0 copay
Out-of-Network Preventive dental50% coinsurance



In-Network Preventive care$0 copay
Out-of-Network Preventive care$0 copay
Out-of-Network Outpatient hospital coverage30% coinsurance per visit
In-Network Outpatient hospital coverage$100-250 copay per visit
In-Network Other health plan deductibles?No
Optional supplemental benefitsNo


Inpatient hospital - psychiatric


Out-of-Network Mental health services30% per day for days 1 through 90
In-Network Mental health services$225 per day for days 1 through 5
$0 per day for days 6 through 90


Outpatient group therapy visit


In-Network Mental health services$25 copay
Out-of-Network Mental health services30% coinsurance


Outpatient group therapy visit with a psychiatrist


Out-of-Network Mental health services30% coinsurance
In-Network Mental health services$25 copay


Outpatient individual therapy visit


Out-of-Network Mental health services30% coinsurance
In-Network Mental health services$25 copay


Outpatient individual therapy visit with a psychiatrist


In-Network Mental health services$25 copay
Out-of-Network Mental health services30% coinsurance


Chemotherapy


Out-of-Network Medicare Part B drugs30% coinsurance
In-Network Medicare Part B drugs20% coinsurance


Other Part B drugs


Out-of-Network Medicare Part B drugs30% coinsurance
In-Network Medicare Part B drugs20% coinsurance


Diabetes supplies


In-Network Medical equipment/supplies$0 copay per item
Out-of-Network Medical equipment/supplies$0 copay or 20% coinsurance per item


Durable medical equipment (e.g., wheelchairs, oxygen)


Out-of-Network Medical equipment/supplies20% coinsurance per item
In-Network Medical equipment/supplies20% coinsurance per item


Prosthetics (e.g., braces, artificial limbs)


Out-of-Network Medical equipment/supplies20% coinsurance per item
In-Network Medical equipment/supplies20% coinsurance per item



Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)$5,150 In and Out-of-network
$3,450 In-network
In-Network Inpatient hospital coverage$250 per day for days 1 through 5
$0 per day for days 6 through 90
Out-of-Network Inpatient hospital coverage30% per day for days 1 through 90


Fitting/evaluation


Out-of-Network Hearing40% coinsurance
In-Network Hearing$0 copay


Hearing aids


In-Network Hearing$0 copay
Out-of-Network Hearing40% coinsurance


Hearing exam


In-Network Hearing$25 copay
Out-of-Network Hearing$40 copay



Health plan deductible$0
Out-of-Network Ground ambulance$250 copay
In-Network Ground ambulance$250 copay


Foot exams and treatment


In-Network Foot care (podiatry services)$25 copay
Out-of-Network Foot care (podiatry services)$40 copay


Routine foot care


Foot care (podiatry services)Not covered


Emergency


Emergency care/Urgent care$125 copay per visit (always covered)


Urgent care


Emergency care/Urgent care$30 copay per visit (always covered)


Primary


Out-of-Network Doctor visits$20 copay per visit
In-Network Doctor visits$0 copay


Specialist


In-Network Doctor visits$25 copay per visit
Out-of-Network Doctor visits$40 copay per visit


Diagnostic radiology services (e.g., MRI)


In-Network Diagnostic procedures/lab services/imaging$0-100 copay
Out-of-Network Diagnostic procedures/lab services/imaging30% coinsurance


Diagnostic tests and procedures


In-Network Diagnostic procedures/lab services/imaging$0-25 copay
Out-of-Network Diagnostic procedures/lab services/imaging30% coinsurance


Lab services


Out-of-Network Diagnostic procedures/lab services/imaging30% coinsurance
In-Network Diagnostic procedures/lab services/imaging$0 copay


Outpatient x-rays


In-Network Diagnostic procedures/lab services/imaging$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging30% coinsurance


Diagnostic services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance


Endodontics


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay


Extractions


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay


Non-routine services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance


Periodontics


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance


Prosthodontics, other oral/maxillofacial surgery, other services


Out-of-Network Comprehensive dental50% coinsurance
In-Network Comprehensive dental$0 copay


Restorative services


In-Network Comprehensive dental$0 copay
Out-of-Network Comprehensive dental50% coinsurance



In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?No




Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for Wellcare Patriot No Premium Open (PPO) requires you to live in that plan’s service area. The service area is listed below:

State: Rhode Island Medicare
County:Bristol County MA Plans

Kent County MA Plans

Newport County MA Plans

Providence County MA Plans

Washington County MA Plans



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How much does Wellcare Patriot No Premium Open (PPO) cost?

Wellcare charges a $0 monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage. The premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is Wellcare Patriot No Premium Open (PPO) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. Wellcare Patriot No Premium Open (PPO) by Wellcare MOOP is $3,450. Once you spend $3,450 you will pay nothing for Part A or Part B covered services.

What type of plan is Wellcare Patriot No Premium Open (PPO)?

Wellcare Patriot No Premium Open (PPO) is a Local PPO *. A (PPO) is a Medicare plan that has contracts with a network of preferred providers. You do not need to select a primary care physician and you do not need referrals to see other providers in the network.



Source:CMS. Data as of Oct 1, 2022.

Last updated on

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

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