Wellpoint Medicare Plans Review
Wellpoint is part of the Anthem family of insurance companies. Our review outlines Wellpoint Medicare and Medicaid plans, including what they cover and how you can enroll.
Wellpoint is an insurance company offering Medicare, Medicaid and other public insurance programs in select areas around the United States. Wellpoint is based in Virginia, Beach, VA, and was originally founded in 1994 as AMERICAID Community Care.
In this review, we explore Wellpoint Medicare plans, including what they cover and how you may be able to find a plan available where you live.
Wellpoint sells Medicare insurance plans in the following six states:
- Arizona
- Iowa
- New Jersey
- Tennessee
- Texas
- Washington
Not all plans are available in all areas, so it may be helpful for you to compare plans online for free or call to speak with a licensed insurance agent who can help you find a plan near you.
Wellpoint offers Medicare Advantage (Medicare Part C) and Medicare Supplement Insurance (Medigap) plans.
Wellpoint Medicare Advantage
Medicare Advantage plans provide all of the same benefits as Medicare Part A and Part B while also offering coverage for some additional services not included in Part A or Part B such as dental, vision, hearing, prescription drugs and more.
Wellpoint Medicare Advantage plans typically come in the form of HMOs (Health Maintenance Organization). Under an HMO, you will select a primary care physician who will see you for all initial visits and then coordinate any further care within the Wellpoint network of participating doctors, specialists and pharmacies.
Wellpoint also offers Special Needs Plans (SNPs). These plans are specifically designed to meet the needs of beneficiaries of particular circumstances. These include:
- Chronic condition Special Needs Plans (C-SNP) for people with diabetes, heart disease, kidney failure or other chronic conditions.
- Dual-eligible Special Needs Plans (D-SNP) for beneficiaries who are eligible for both Medicare and Medicaid.
In addition to all Medicare Part A and Part B coverage, some of the additional benefits found in Wellpoint's Medicare Advantage plans include:
- Dental and vision care
- Prescription drug coverage
- Memberships to a health and fitness program designed specifically for seniors
- Coverage of hearing tests and hearing aids
- Discounts and coverage for over-the-counter health items like cold medicine
- Annual out-of-pocket limits that protect beneficiaries from excessive medical costs
- Telehealth visits with doctors
- Allowances for transportation
Some Wellpoint Medicare Advantage plans are available for $0 premiums, although these plans may not be available in all states where Wellpoint sells policies.
Every year, Medicare rates plans using a 5-star rating system. Wellpoint Medicare Advantage plans received a 3.1-star quality rating from Medicare for 2024. Three stars is considered average on the five-star scale.
Wellpoint Medigap Plans
Medicare Supplement Insurance (Medigap) plans provide coverage for some of the gaps in Medicare Part A and Part B coverage such as deductibles, copayments, coinsurance and other out-of-pocket requirements.
There are 10 different types of Medigap plans that are all standardized by the federal government and identified by a letter. Wellpoint offers Plan A, F, G and N. The chart below details the benefits of the four Medigap plans offered by Wellpoint and how they compare with other Medigap plans.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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Wellpoint Medicare plans may be used at a wide range of hospitals, doctor’s offices, dentists and more. Wellpoint Medicare Advantage plans with prescription drug coverage can be used at thousands of pharmacies including many of the larger chain pharmacies.
Wellpoint Medigap plans are accepted by any health care provider who accepts Original Medicare.
You can compare Medicare Advantage plans and prescription drug plans online for free, with no obligation to enroll, or you can call to speak with a licensed insurance agent who can help you compare plans.
You can also compare Medicare Supplement plans online to find out which plans are available where you live. If you're eligible, you may even be able to apply for a plan today.
