Quick answer: For 2027, Wellcare offers two kinds of $0 premium HMO-POS plans in our area. Wellcare Giveback lowers your Part B premium by $94 a month in Volusia and Brevard, or $74 in Flagler. Wellcare Simple has a lower out-of-pocket limit: $3,000 in Volusia and $2,500 in Flagler. Wellcare doesn’t sell Medicare Supplement plans, but we can compare Supplements from other carriers alongside it.
Wellcare is Centene’s Medicare brand. Its 2027 lineup here is simple: one plan that puts money back in your Social Security check, and one plan that keeps your out-of-pocket costs low. The catch is that the numbers change at the county line, so a Flagler plan isn’t the same as a Volusia plan.
| Plan | Plan ID | Counties | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible |
|---|---|---|---|---|---|---|---|
| Wellcare Giveback | H1032-193 | Volusia, Brevard | $0 | $7,200 | $0 / $35 | $94 a month | $700 |
| Wellcare Simple | H1032-194 | Volusia, Brevard | $0 | $3,000 | See plan documents | None listed | $700 |
| Wellcare Giveback | H1032-204 | Flagler | $0 | $7,200 | $0 / $35 | $74 a month | $700 |
| Wellcare Simple | H1032-205 | Flagler | $0 | $2,500 | $0 / $0 | None | $700 |
Source: each plan’s 2027 Summary of Benefits; premium, MOOP and drug deductible cross-checked with the CMS CY2027 Landscape file (Sept. 2026). In-network figures. Plan year 2027. We hadn’t located the 2027 Summary of Benefits for H1032-194 when this page was written; its premium, out-of-pocket limit and drug deductible come from CMS data.
It comes down to how you use care. If you rarely see specialists and want the Part B reduction, Giveback puts that money back in your Social Security check every month, but its out-of-pocket limit is $7,200. If you see specialists regularly or have a procedure coming up, Simple’s lower limit can protect you more. In Flagler, Simple even lists a $0 specialist copay and a Wellcare Spendables card loaded with $20 a month for eligible items such as OTC products.
Both plans are HMO-POS plans. You choose a primary care doctor and use the network for most care. The point-of-service piece adds some out-of-network coverage for certain services, such as routine dental, per the Summary of Benefits.
Special Needs Plans: Wellcare also offers Sunshine Health Dual Align and Dual Access plans (D-SNP) for people who have both Medicare and Florida Medicaid. We’ll check which Medicaid level you qualify for.
Brevard County: Brevard residents get the same Wellcare Giveback (H1032-193) and Wellcare Simple (H1032-194) plans as Volusia. Call us for a side-by-side comparison with other Brevard options.
Wellcare doesn’t sell Medicare Supplement plans. If you’d rather have Original Medicare with a Supplement, we can quote Supplements from carriers we’re appointed with, such as Florida Blue, Aetna and AARP/UnitedHealthcare, and pair one with a Wellcare stand-alone drug plan like Wellcare Classic or Value Script. See our Part D page and Medicare Supplement guide.
Because Wellcare plans are HMO-POS plans, your doctor needs to be in network. If you like what Wellcare offers but your doctor isn’t in its network, we can help. We have relationships with several doctors’ offices in the area, and we’ll help place you with a new provider who accepts the plan and make a warm introduction for you.
Other 2027 carrier guides: Florida Blue, Aetna, UnitedHealthcare, Health First, Freedom Health, HealthSpring (formerly Cigna), Humana and CarePlus, Devoted Health and Optimum HealthCare. For the big picture, start with our Medicare plans overview, our Part D drug plan page and our Medicare Supplement guide.
Wellcare files separate plans by county. For 2027, Wellcare Giveback H1032-193 (Volusia and Brevard) gives back $94 a month, and H1032-204 (Flagler) gives back $74 a month, per their Summaries of Benefits.
It’s a prepaid card some Wellcare plans include. Wellcare Simple H1032-205 in Flagler loads $20 a month for eligible items such as over-the-counter products, according to its 2027 Summary of Benefits.
No. Wellcare doesn’t sell Medicare Supplements. We can quote Supplements from other carriers we work with and pair one with a Wellcare drug plan.
An HMO-POS is an HMO that adds some out-of-network coverage for certain services. You still pick a primary care doctor and use the network for most care.
Yes. We work with several local doctors’ offices and can help place you with a new provider and make a warm introduction.
Sit down with us at our South Daytona office or talk by phone. We’ll run your doctors and every prescription through the 2027 plans for your ZIP code.
This page is for general education. Plan availability, benefits, premiums, networks, drug lists and costs vary by county and plan year and can change on January 1 each year. Figures come from each plan’s 2027 Summary of Benefits and the CMS 2027 plan data; always confirm with the plan’s Evidence of Coverage. HealthBrokerFL / USA Benefits Group is an independent insurance agency and is not affiliated with, or endorsed by, Wellcare. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.