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Q: What is a Prescription Drug Plan (PDP)?

A: Medicare Prescription Drug Plans (PDPs) are also known as Medicare Part D plans. Medicare Part D is a government program that offers prescription drug insurance for individuals who are entitled to Medicare Part A and/or enrolled in Medicare Part B. Once you become Medicare eligible, you must have creditable prescription coverage (at least as good as Medicare). Failure to have creditable coverage for 63 days or more could result in a Late Enrollment Penalty (LEP).

The federal government has specific guidelines for the types of medications that we must cover, as well as a minimum standard of benefits. Each plan has a formulary (list of covered medications) that meets these requirements that can be found in on your specific plan page, as required by law. Keep in mind, not all plans are the same. They may vary in cost or specific drugs covered. If you choose to enroll in a Medicare Part D plan, please review the plan's formulary and Evidence of Coverage to ensure it will meet your prescription drug coverage needs.

Q: What PDP plans does WellCare offer?

A: WellCare offers two Prescription Drug Plans – WellCare Classic and WellCare Extra.

Q: What should I look for when I'm comparing Prescription Drug Plans?

A: When looking for a PDP, you should take into consideration your monthly premium (to participate in the plan), deductibles (the amount you pay before the plan begins to pay), co-payments (amount you pay out-of-pocket for each prescription drug purchased) and whether the plan covers the drugs you take.

Q: Basic Medicare terms?

A: We want you to make an informed decision about your Medicare health plan. That's why we created a glossary to help you understand many commonly used Medicare terms.

Q: When can I enroll or make a plan change into a Prescription Drug Plan?

A: You can enroll or make a plan change into a WellCare Prescription Drug Plan three months before to three months after the month you turn 65. This is your Initial Coverage Election Period. You can also enroll in or switch to a new plan during the Open Enrollment Period (October 15-December 7 of every year) in which your new coverage would be effective January 1. There are other exceptions throughout the year that may allow you to make plan changes outside of the Initial Enrollment Period or Open Enrollment Period. Contact Customer Service for more information.

Q: How can I enroll in WellCare?

A: There are four easy ways to enroll. Choose the one that works best for you.

  1. Enroll online. View our plans and complete your application online.
  2. Enroll by mail. Download, print and complete our enrollment form. Mail it to WellCare at P.O. Box 31392 Tampa, FL 33631-3392.
    EnglishThis PDF document will open in a new window. Spanish This PDF document will open in a new window.
  3. Enroll over the phone. Our representatives can enroll you right over the phone. For a list of telephone numbers, visit our Contact Us page.
  4. Enroll at Medicare beneficiaries may also enroll in WellCare through the CMS Medicare Online Enrollment Center located at

Q: Are my prescriptions covered by WellCare?

A: Look to your comprehensive formulary, which can be found on your plan's Drug List page and follow any formulary updates (if applicable) to see if your medications are covered by your WellCare PDP plan. The federal government has created guidelines for the types of drugs that must be covered, along with a minimum standard of benefits. Both brand-name and generic prescription drugs are covered by WellCare.

Q: One of my prescriptions is not on the WellCare formulary. What should I do?

A: Contact us and we can look up your prescription to see if it's part of our formulary (list of covered medications). When you call, one of our representatives may suggest an alternative medication. Please check with your doctor to see if that alternative would work for you.  

Q: Where can I fill my prescriptions?


You can use your WellCare ID card at any of our 60,000 network retail pharmacies. Or, to save time and money when filling your prescriptions, use CVS Caremark Mail Service Pharmacy, which will fill your prescriptions and mail them to your home. You will pay preferred (i.e. reduced) cost-sharing for prescriptions filled through CVS Caremark Mail Service Pharmacy.

You have the choice to sign up for automated mail service delivery. You can get prescription drugs shipped to your home through our network mail service delivery program. You should expect to receive your prescription drugs within 7–10 business days from the time that the mail service pharmacy receives the order. If you do not receive your prescription drugs within this time, please contact us at 1-866-892-9006 (TTY 1-866-507-6135), 24 hours a day, seven days a week, or visit CVS Caremark.

Q: How can I save money on my prescription drug costs?

A: Using generic medications instead of brand-name drugs could help you save money. Generic drugs saved consumers $824 billion over the last decade, which is approximately $53 for every prescription sold.* Save even more by filling your prescriptions through CVS/Caremark Mail Service Pharmacy, which offers preferred cost-sharing. You will pay $0 for a three-month supply of Preferred Generic (Tier 1) medications. For all other drugs (excluding those in our Specialty tier, and, in most cases, our Non-Preferred Brand Tier), you will get a three-month supply for only 2 1/2 co-payments. Best of all, standard shipping is always free.


Q: What if I am on a limited income or cannot afford my prescription drugs?

A: You may qualify for Extra Help from the federal government - and if you are eligible, this assistance program could help you pay for some of your drug costs. To learn more, please contact us.

Q: Can WellCare refuse me coverage if I take a lot of prescriptions?

A: As long as you are eligible, WellCare cannot refuse to offer you coverage.

Q: Should I still keep my red, white and blue Medicare card?

A: Yes. However, as long as you are a member of our plan, you must not use your red, white and blue Medicare card to get covered medical services (with the exception of clinical research studies and hospice services). Keep your red, white and blue Medicare card in a safe place in case you need it later. Here's why this is so important: If you get covered services using your red, white and blue Medicare card instead of using our membership card while you are a plan member, you may have to pay the full cost yourself. If your WellCare ID card is damaged, lost or stolen, contact us right away and we will send you a new card.

Q: What if I have to pay cash for my prescription because I do not have my WellCare ID card?

A: You can ask us to pay you back by completing a Direct Member Reimbursement Form This PDF document will open in a new window. and mailing it to us. Please keep a copy of the form and receipts for your records. We will mail you a letter within 7 to 10 days with our decision concerning your request for reimbursement.

Q: How do I start receiving my prescriptions through mail service delivery?

A: You can choose one of three ways to start using CVS/Caremark mail service delivery to fill your prescriptions:

  1. Log onto
    • Provide the requested information, and CVS/Caremark will contact your doctor for a 90-day prescription. If you haven’t registered on yet, be sure to have your benefit ID number (BIN) handy when you register for the first time. This number can be found on your WellCare ID card.
    • Call the FastStart® toll-free number: 1-800-875-0867. When you call, be sure to have:
      • The benefit ID number (BIN) from your WellCare ID card
      • Your doctor’s first and last name and phone number
      • Your payment information and mailing address
  2. CVS/Caremark will let you know which prescriptions can be filled through mail service. Your doctor will then be contacted for a 90-day prescription and your medication will be mailed to you.
  3. Fill out and send a mail service order form. Please have the following information with you when you complete the form:
    • The benefit ID number (BIN) from your WellCare ID card
    • Your complete mailing address, including zip code
    • Your doctor’s first and last name and phone number
    • A list of your allergies and other health conditions
    • Your credit or debit card number if you prefer that method of payment. You can also pay by check, electronic check, PayPal Credit or money order (Cash is NOT accepted)
    • Our original prescription from your doctor for up to a 90-day supply

  4. Allow up to 10 days from the day you submit your order for delivery of your medicine. Regular delivery is free. Overnight or second-day delivery is available for an additional charge.

Q: I have already signed up to receive my medications through mail service. How do I order refills?

A: There are 3 ways to refill:

  1. Online. Ordering refills at is convenient, fast and easy! Register online to receive refill reminders and other important updates. Have your benefit ID card handy to register.
  2. By Phone. Call the toll-free Customer Care number on your prescription label for fully automated refill service. Have your benefit ID number (BIN) ready. This number can be found on your WellCare ID Card.
  3. By Mail. You will receive an order form with every mail service order. Simply fill in the ovals for the refills you want to order. If you need a refill for a prescription not listed on the form, write the prescription number in the space provided. Send the form to CVS/Caremark along with your payment.

Allow up to 10 days from the day you submit your order for delivery of your medicine. Regular delivery is free. Overnight or second-day delivery is available for an additional charge.

If you’d like to receive automatic refills and renewals, you can try ReadyFill at Mail®.  Here’s how ReadyFill at Mail works:

  • When you enroll qualified prescriptions in ReadyFill at Mail, CVS/Caremark will automatically refill your prescriptions at the appropriate time, unless you cancel.
  • CVS/Caremark will also contact your doctor to renew your prescription once the last refill is up or the prescription is about to expire.
  • CVS/Caremark will contact you twice before you receive your prescription delivery. The first message is sent by e-mail, phone or text message 14 days before your refill due date to let you know your order is being placed. If you need to cancel the order, you can do so at that time. A second message is sent five to seven days before your refill due date to let you know that your order has shipped.
  • If a copay is required, you will ONLY be charged when your prescription ships.

To enroll in ReadyFill at Mail, register or sign in to, then go to the “Manage Your Prescriptions” page. Select the eligible prescriptions you want to enroll and follow the steps. Or call Customer Care at 1-800-552-8159. They will tell you which prescriptions can be enrolled in ReadyFill at Mail.

Q: What if I mailed my request for WellCare to pay for my prescriptions, but I have not received any information?

A: If after 10 days, you have not received your letter with our decision, please contact us. We will provide you information, including whether or not we received your request.

Q: What is coverage gap?

A: The coverage gap occurs when you and WellCare have spent a predetermined amount of money for your Part D covered prescription drugs. After that, your PDP coverage will change.

Q: Should I use generic drugs?

A: Generic medications are FDA-approved and can help you stay out of the coverage gap. They can also save you money.

Q: What is a Late Enrollment Penalty (LEP)?

A: A late enrollment penalty is an amount added to your Medicare Part D premium. You may owe a late enrollment penalty if, at any time after your initial enrollment period is over, there is a period of 63 days or more in a row when you do not have Part D or other creditable prescription drug coverage. This amount will apply regardless of the prescription drug plan you select. 

Q: Does my WellCare Prescription Drug Plan cover medications filled by an out-of-network pharmacy?


A network pharmacy is a pharmacy that has a contract with the plan to provide your covered prescription drugs.

Generally, we only cover drugs filled at an out-of-network pharmacy in limited, non-routine circumstances when a network pharmacy is not available. There are certain circumstances, in which we may cover prescriptions filled at an out-of-network pharmacy, such as when you are traveling or in a medical emergency. In normal circumstances, if you must use an out-of-network pharmacy, you'll have to pay the full cost of the drug (rather than your normal share of the cost) when you fill your prescription. You can ask us to reimburse you for our share of the cost by completing a Direct Member Reimbursement Form This PDF document will open in a new window..

Q: Do I have to use my ID card?

A: Yes, be sure to use your ID card anytime you fill a prescription, even if the pharmacy's cost of the medication is lower that the plan's co-payment. By using your ID card, it will ensure that your out-of-pocket expenses for prescription drugs are tracked accurately, and help you get through each of the benefit stages.

Q: I filled my prescription at a CVS Pharmacy and was charged the standard retail cost-sharing. I thought CVS offers preferred cost-sharing?

A: CVS offers preferred cost-sharing for prescriptions filled through their mail-service. Prescriptions filled at a CVS retail location will be charged the standard cost-sharing rate.

Q: What would happen if I cannot pay my monthly premium?

A: If you are having a hard time paying your monthly premium, you may want to look into Low-Income Help. Many people qualify for Extra Help and do not know it. If you do not make your premium payment and are not receiving Extra Help, you can be disenrolled from your plan. Refer to your Evidence of Coverage, on your plan-specific page, for details.

Q: I get some of my prescriptions through Medicare Part B. Now what?

A: You'll continue to get them through Part B. Prescriptions received as part of a physician's services or due to surgery, along with certain Part B prescription drugs, are covered through Part B. Please contact us if you need more information.

Q: I would like to get a three-month supply of my drugs. Is that possible?

A: You can get an extended day supply of most drugs when you use a pharmacy that offers extended-day supplies. Please call your pharmacy beforehand to confirm it offers a three-month supply.  

Q: I was at the pharmacy and was told I do not have coverage. What should I do?

A: Please contact us.


Q: How do I become a WellCare Broker?

A: All new agents interested in marketing WellCare Health Plans must complete an online contract. The first step is to email and provide the following information:

  • First name
  • Last name
  • Phone number
  • Email address
  • National Producer Number (NPN)
  • Product: Medicare Advantage or PDP
  • States you are marketing in

You will receive an email from Producer Services with more information and documents to sign. Follow the subsequent instructions provided.

Q: How do I get information about company health plans?

A: Go to the Broker section of the website. 

Q: What If I need additional assistance or have questions?

A: We ask that you contact your local District Sales Manager as your direct line of support. These managers are familiar with your particular area and are best suited to support you on a local level with anything from supplies and training questions to enrollment and commission issues. If you have any questions or need assistance, please contact your local District Sales Manager This PDF document will open in a new window..


Q: How does WellCare get involved in the local community?

A: Watch the videos and see why we are so passionate about serving our members and the communities in which they live!

Video: A Mission To Serve - WellCare Health Plans 

Q: How can I find out if WellCare is hiring?

A: Visit our Careers page to see current openings.


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Last Updated On: 2/18/2021