The Wellcare Giveback (HMO) plan H1032-195 is a Florida Medicare Advantage HMO built around a $157 monthly Part B premium reduction. For the 2026 plan year it charges a $0 plan premium, has no deductible for in-network medical care, and caps in-network out-of-pocket costs at $5,000.1Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Benefits
How the $157 Giveback Works
The giveback is a reduction in what you pay for your standard Medicare Part B premium, not a separate check.2MedicarePlans.com. Wellcare Giveback H1032-195-0 If Social Security deducts your Part B premium from your monthly benefit, your Social Security payment goes up. If Medicare bills you directly, your bill goes down.3Medical News Today. Medicare Give Back Benefit The credit can take a couple of months to appear after you enroll.
You have to be paying your own Part B premium to get the benefit. If Medicaid or a Medicare Savings Program already covers your Part B premium, there is nothing for the giveback to reduce, and you generally will not qualify.4Devoted Health. Medicare Part B Giveback
What You Pay for Medical Care
The 2026 plan premium is $0, and there is no medical deductible for in-network services. Your annual in-network out-of-pocket maximum is $5,000, which does not include prescription drug costs.5Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Plain Text Benefits Because this is an HMO, out-of-network care generally is not covered except in emergencies, urgent situations, or when the plan authorizes it in advance.6Wellcare. Summary of Benefits H1032-195 and H1032-196 You choose a primary care provider, and seeing a specialist requires both a referral and prior authorization. Many diagnostic services and hospital procedures also need prior authorization.1Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Benefits
In-network copays for common services in 2026:
- Primary care visit: $0
- Specialist visit: $20
- Urgent care: $20
- Emergency room: $130
- Inpatient hospital: $325 per day for days 1–8, then $0 for days 9–90
- Inpatient psychiatric care: $2,000 per stay
- Outpatient mental health therapy: $40 per visit
- Ground ambulance: $200
Prescription Drug Coverage
Part D coverage is included, with a $615 annual drug deductible. Tiers 1, 2, and 6 are exempt from the deductible and covered from the first fill.5Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Plain Text Benefits At a preferred pharmacy during the initial coverage phase:
- Tier 1, Preferred Generic: $0
- Tier 2, Generic: $0
- Tier 3, Preferred Brand: 20% coinsurance
- Tier 4, Non-Preferred Drug: 26% coinsurance
- Tier 5, Specialty: 25% coinsurance
- Tier 6, Select Care Drugs: $0
Covered insulins are capped at $35 or less per month in every coverage phase. Under federal Part D rules, your annual out-of-pocket drug spending is capped at $2,100 in 2026; once you hit that, covered drugs cost $0 for the rest of the year.7Medicare.gov. Part D Costs8CMS. Final CY 2026 Part D Redesign Program Instructions
Dental, Vision, and Hearing
All three benefits are included, and all three require prior authorization.1Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Benefits
Preventive dental (exams, cleanings, fluoride, X-rays) is $0. Comprehensive dental work, including restorative, endodontic, periodontic, prosthodontic, and oral surgery services, is covered at 20% coinsurance up to an annual maximum of $2,000. Implants and orthodontics are not covered.
Routine eye exams are $0, and eyeglasses, frames, lenses, and contact lenses are $0 subject to frequency limits.
Hearing exams have a $20 copay. Fitting and evaluation appointments and prescription hearing aids are $0 subject to limits. Over-the-counter hearing aids and certain styles are not covered.
Other Extras and What’s Not Included
The plan adds SilverSneakers fitness membership with access to more than 15,000 gyms, classes, and online workouts.9Wellcare. Fitness Benefits Telehealth is covered with copays from $0 to $40 depending on the service. Routine chiropractic visits are $15 with limits and prior authorization.10Medicare.org. Wellcare Giveback H1032-195-0
Some benefits common on competing Medicare Advantage plans are not offered here: no non-emergency transportation, no over-the-counter drug or health item allowance, no meal delivery, and no weight management program.1Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Benefits
Where the Plan Is Offered
H1032-195 is available in Broward County, Florida. Enrollment records show roughly 747 members in Broward County and about 1,442 across the full contract and plan ID, which suggests the plan reaches additional Florida counties.11Q1Medicare. Wellcare Giveback (HMO) H1032-195-0 Enrollment Confirm that your county and ZIP code are inside the service area before you enroll.
When and How To Enroll
You need Medicare Part A and Part B and a home address inside the service area. There are three main windows to enroll or switch:12Wellcare. When To Enroll
- Annual Enrollment Period: October 15 through December 7, with coverage starting January 1.
- Medicare Advantage Open Enrollment Period: January 1 through March 31, allowing one plan switch, with coverage effective the first of the following month.
- Initial Enrollment Period: the seven-month window around your 65th birthday.
Special Enrollment Periods are available during the year for qualifying events, including moving out of a plan’s service area, gaining Medicaid, or qualifying for Extra Help with drug costs.