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Wellcare Medicare Part D 2024-2025 Review
Wellcare offers $0-premium Wellcare Value Script plans in 42 states and beats major competitors' star ratings.
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Alex Rosenberg Lead Writer | Medicare, health care, legislation
Alex Rosenberg is a NerdWallet writer focusing on Medicare and information technology. He has more than 10 years of experience researching and writing about health care, insurance, technology, data privacy and public policy. His research has supported lawmakers in the Wisconsin State Legislature as well as health systems and national health authorities in the U.S. and more than 10 other countries. He is based in Eau Claire, Wisconsin.
Holly Carey joined NerdWallet in 2021 as an editor on the team responsible for expanding content to additional topics within personal finance. She currently leads the Medicare team. Previously, Holly wrote and edited content and developed digital media strategies as a public affairs officer for the U.S. Navy. She is based in Virginia Beach, Virginia.
The bottom line: Wellcare has substantially expanded its $0-premium Medicare Part D plans in 2025, offering the Wellcare Value Script plan with $0 premiums in 42 states and Washington, D.C. And while its star ratings are down slightly in 2025, Wellcare still beats every major national competitor.
Jump to:Full Review
Wellcare
3.5
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
Wellcare Medicare Part D pros and cons
Pros
$0 premiums: Wellcare Value Script plans with $0 premiums are available in 42 states and Washington, D.C.
Quality ratings: While some smaller companies have higher ratings, Wellcare’s weighted average star ratings are higher than all of its major national competitors in 2025.
Cons
Coinsurance requirements: Wellcare plans have coinsurance rather than copays for brand-name drugs, which could get expensive.
Wellcare Value Plus deductible: The Wellcare Value Plus plan previously had no deductible, but in 2025, there's a $590 deductible that applies to Tiers 4-5.
Compare against other providers
Wellcare
3.5
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
NerdWallet’s Medicare content, including articles, reviews and recommendations, is produced by a team of writers and editors who specialize in Medicare. Their work has appeared in The Associated Press, Washington Post, Nasdaq, MSN, MarketWatch, Yahoo! Finance and other national and regional media outlets. They have been cited in publications including Healthline, and appeared on NerdWallet's "Smart Money" podcast.
Wellcare Medicare Part D star ratings
Average Part D star rating, weighted by enrollment: 3.5 stars
Wellcare’s stand-alone Medicare Part D plans get an average star rating of 3.5 out of 5 stars from CMS in 2025, weighted by enrollment
These ratings use a 5-point scale where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually
Wellcare offers the following stand-alone Medicare Part D prescription drug plans for 2025:
Wellcare Value Script: Wellcare describes this plan as having “a low premium and $0 copays for Tier 1 prescriptions when filled at a preferred cost share pharmacy
Medicare beneficiaries with Original Medicare (Part A and/or Part B) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.
Nearly 6.8 million Medicare beneficiaries have Wellcare Part D plans as of September 2024
Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Oct 14, 2024.
💬 From our Nerds: Is Wellcare Value Script a good drug plan?
“Wellcare’s Value Script plan continues to stand out as a hard one to beat in 2025. Wellcare has cut premiums for the Value Script plan to $0 in most of the country while continuing to outperform large national competitors on Medicare Part D star ratings.”
“But premiums and star ratings don’t matter if your drugs aren’t covered. Before you enroll, you need to check the formulary. If you confirm that your drugs would be covered with out-of-pocket costs you can afford, Wellcare’s Value Script plan could be your best option.”
Cost-sharing requirements on higher tiers can quickly get more expensive. As a result, it’s important to check where your medications and pharmacies fall on each plan’s formulary.
Copay vs. coinsurance requirements
You’ll want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to see what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be more unpredictable and more expensive.
All of Wellcare’s 2025 Medicare Part D plans have copays for Tier 2 and coinsurance for Tiers 3-5
. That’s a change since 2024 for the Rx Value Plus plan, which used to have copays rather than coinsurance for drugs on Tier 3.
You can enter your medications and pharmacy information on Wellcare’s website to see which drugs are covered and review your estimated costs with different plan options.
Wellcare offers all three of its Medicare Part D plan options in all of its markets.
About Wellcare
Wellcare was founded in 1985 and became a subsidiary of Centene in 2020. The company's headquarters are in Tampa, Florida. Wellcare offers coverage through Medicare Advantage and Medicare prescription drug plans.
Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.
Find the right Medicare Part D prescription drug plan
The interactive tool on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you.
Here are some things to keep in mind when comparing plans:
Check the formulary: You’ll want to make sure the medicines you currently take and, importantly, any you think you might need in the future, are covered under each of the plans you’re considering. Talk to your health care providers about what brand-name and generic medicines to look for and any alternatives that may also work in case you can’t find your current medicines on the plans available in your area.
Look for plan changes: Formularies change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read that document carefully.
Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Check to see if your pharmacy or an equally convenient one is in the plan’s network. Also, compare prices for using mail order.
If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period, Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Best for $0 premiums
Wellcare
3.5
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Wellcare beats major competitors on both price and quality. If Wellcare Value Script covers your drugs, it could be a great choice.
Out-of-pocket costsBased on how frequent and how high a company's copays, coinsurance and deductibles are in comparison to other insurance companies.
Varies
Member experienceThe average of CMS' star ratings for quality measures in the domain "Member Experience with the Drug Plan," weighted by contract enrollment.
3.0 (Average)
IS THIS PROVIDER AVAILABLE IN MY STATE?
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
Pros
$0-premium plans available in most states.
Star ratings beat other national competitors.
Cons
Coinsurance rather than copays for brand-name drugs could get pricey.
Wellcare Value Plus plan no longer has a $0 deductible for all covered drugs.
Out-of-pocket costsBased on how frequent and how high a company's copays, coinsurance and deductibles are in comparison to other insurance companies.
Varies
Member experienceThe average of CMS' star ratings for quality measures in the domain "Member Experience with the Drug Plan," weighted by contract enrollment.
3.0 (Average)
IS THIS PROVIDER AVAILABLE IN MY STATE?
Plan availability is determined by ZIP code. While a plan may be available in your state, it may not be offered in your specific county. Please verify plan availability with a licensed insurance agent.
PROS & CONS
Pros
$0-premium plans available in most states.
Star ratings beat other national competitors.
Cons
Coinsurance rather than copays for brand-name drugs could get pricey.
Wellcare Value Plus plan no longer has a $0 deductible for all covered drugs.
Medicare Part D plan review methodology
NerdWallet’s Medicare Part D reviews are based on ratings data from the Centers for Medicare & Medicaid Services (CMS), pricing, cost-sharing requirements, formulary design, consumer experience and more.
NerdWallet reviewed eight Medicare Part D insurance companies based on highest enrollment and greatest online search volume. Together, these eight companies cover about 92% of Medicare beneficiaries with stand-alone Medicare Part D plans, according to CMS data. We review at least five major Medicare Part D companies in every state in the United States.
These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.