It is currently the Medicare Annual Enrollment Period (AEP) for the 2026 plan year. If you are considering the Wellcare Value Script (PDP) plan for 2026, you must make your selection by December 7, 2025.
Here are the confirmed details for the 2026 Wellcare Value Script plan.
1. The “Headline” Numbers for 2026
The biggest news for this specific plan in 2026 is a significant drop in the monthly premium compared to 2025, but a slight increase in the deductible.
Monthly Premium: Approximately $5.70 (varies slightly by state).
Comparison: This is a major decrease from the ~$17.40 average in 2025.
Annual Deductible: $615.
Comparison: This is up from $590 in 2025. You must pay this amount out-of-pocket for non-preferred drugs before the plan starts paying.
Note: The deductible usually does not apply to Tier 1 (Preferred Generic) and Tier 2 (Generic) drugs, meaning you get immediate coverage for those.
2. Copays & Drug Tiers
Tier 1 (Preferred Generic): $0 copay at preferred pharmacies (e.g., CVS, Walgreens, and many grocers).
Tier 2 (Generic): Typically $5 copay.
Tier 3 (Preferred Brand): $42 copay (or similar, depending on the specific state contract).
Insulin: Capped at $35 for a 30-day supply (Tier 3), part of the Inflation Reduction Act benefits.
Tier 6 (Select Care): Some chronic condition generics (like blood pressure or cholesterol meds) may be available at $0 or very low cost.
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3. Major Medicare Changes for 2026
These federal changes apply to all Part D plans, including Wellcare Value Script:
Donut Hole Eliminated: The “Coverage Gap” is gone. You no longer pay 25% coinsurance after reaching a certain limit; the benefit structure is now streamlined.
$2,000 Out-of-Pocket Cap: (Technically indexed to $2,100 for 2026). Once your total out-of-pocket spend on drugs hits ~$2,100, you pay $0 for covered drugs for the rest of the year. This is a huge safety net for people on expensive medications.
Medicare Prescription Payment Plan (M3P): You can now opt to “smooth” your drug costs. Instead of paying a huge $600 bill in January for a refill, you can spread that cost over monthly installments throughout the year.
4. Important “Gotchas” (Check Your Meds)
Formulary Changes: Wellcare updates its “Drug List” every year.
Diabetes Supplies: Watch out if you use OneTouch or Accu-Chek test strips. Wellcare has been moving toward exclusive coverage of specific brands (often LifeScan or Ascensia products). Check if your meter is still covered.
Tier Shifts: Some Tier 2 generics might have moved to Tier 3 (higher cost), or vice versa.
Next Steps
Check Your Drugs: Go to Medicare.gov or Wellcare.com and enter your exact medication list to see the total estimated cost for 2026.
Enroll Deadline: You must enroll by December 7, 2025 for coverage to start January 1, 2026.
Support: If you need help verifying a specific drug, call Wellcare at 1-888-550-5252 (TTY: 711).
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