• Allwell Medicare Advantage (Part C) plans are available in many counties in 16 states.
  • You can purchase Allwell Part C plans through specified local insurance companies.
  • The only state where you can purchase an Allwell PPO plan, however, is Indiana.
  • Many Allwell Part C plans offer affordable add-on coverage for extras such as vision, dental, and acupuncture.
  • Allwell does not offer stand-alone Part D prescription drug plans.

Allwell is a Medicare Advantage (Part C) product offered through local health insurers in specific states.

In 2020, Allwell offers these Medicare Advantage plans to eligible individuals:

  • Allwell Medicare HMO (includes prescription drug Part D coverage)
  • Allwell Medicare Complement HMO (doesn’t include prescription drug Part D coverage)
  • Allwell Medicare PPO (includes prescription drug Part D coverage)
  • Allwell Dual Medicare HMO SNP (includes prescription drug Part D coverage)
  • Allwell Chronic Medicare HMO SNP (includes prescription drug Part D coverage)

In order to get any Allwell Medicare plan, you must be eligible for and enrolled in original Medicare (Part A and Part B).

You can get an Allwell Medicare Advantage plan in 16 states, though not every plan is available in each state. In some cases, a plan might be offered only in specific counties or ZIP codes and not throughout the entire state.

States where you may be able to purchase an Allwell Medicare Advantage plan are:

  • Arizona
  • Arkansas
  • Florida
  • Georgia
  • Indiana
  • Kansas
  • Louisiana
  • Mississippi
  • Missouri
  • New Mexico
  • Nevada
  • Ohio
  • Pennsylvania
  • South Carolina
  • Texas
  • Wisconsin

Several different types of Allwell Medicare Advantage plans may be available in your area.

Some are Health Maintenance Organization (HMO) plans, including Special Needs Plans (SNPs). Others are Preferred Provider Organization (PPO) plans.

When deciding which type of plan is best for you, keep in mind that HMO plans limit service to a specified network of providers. With a PPO plan, you can see either in-network or out-of-network providers. But out-of-network providers typically cost more.

Allwell Medicare HMO plans

Allwell offers several HMO plans that may be available in your area. The names of these plans might differ from state to state. They include:

  • Allwell Medicare (HMO). This plan has no monthly premium and no deductible. It also requires no copays for visits to your primary care physician. Your maximum annual out-of-pocket cost in most states will be $6,700. This plan includes prescription (Part D) drug coverage. Prescription medications may have up to a $10 copay, although many have a $0 copay. This plan also includes vision and dental services.
  • Allwell Medicare Complement (HMO). This plan is available only in Arizona. It doesn’t cover prescription drugs but does cover vision and dental services.
  • Allwell Medicare Premiere (HMO). The Premiere plan has a monthly premium that varies but is around $60. It has no deductible and a $3,400 annual out-of-pocket maximum. It includes prescription drug coverage with a copay in the $0 to $20 range.
  • Allwell Medicare Essentials (HMO). Several versions of the Essentials plan might be available in your area. Some have monthly premiums, which may go as high as $45. They typically have no deductible and an annual out-of-pocket maximum that ranges from $3,400 to $6,700. These plans include prescription drug coverage with average copays of $0 to $20. Some Essentials plans give you the option of purchasing supplemental insurance coverage for benefits like preventive and comprehensive dental services, vision services, chiropractic care, acupuncture services, and fitness services. These will cost you additional monthly premiums in the $25 to $35 range.
  • Allwell Dual Medicare (HMO SNP). This SNP is available for people who qualify for both Medicare and Medicaid. It has low to no monthly premiums and no additional deductible, other than your Part B deductible. Your maximum annual out-of-pocket cost will be $3,400. This plan includes prescription (Part D) drug coverage. Prescription medications have a 25 percent out-of-pocket copay. It also includes extras, such as vision and hearing care. Most of these plans do not cover dental services.
  • Allwell Chronic Medicare (HMO SNP). This SNP is available only in parts of Arizona. To qualify, you must have original Medicare (parts A and B), plus one or more chronic conditions, such as diabetes or heart failure. This plan has a low monthly premium. It also includes prescription drug (Part D) coverage, plus vision and hearing care.

Allwell Medicare Advantage PPO plans

  • Allwell Medicare PPO. Allwell PPO plans are available only in certain parts of Indiana. They include prescription (Part D) coverage. Some plans include vision and dental care. These plans have a low to no monthly premium.

Allwell does not offer stand-alone Part D prescription drug plans.

Like all Medicare Part C (Advantage) plans, Allwell Advantage plans are required to provide at least as much coverage as original Medicare. In general, this means you will receive services that include:

  • inpatient hospital care
  • short-term inpatient nursing home care
  • hospice care
  • skilled nursing facility care
  • home health care
  • preventive care, such as flu shots, pneumonia shots, and hepatitis B shots
  • mammograms
  • medically necessary services, such as annual physicals
  • diagnostic non-laboratory tests, such as CT scans, MRIs, X-rays and PET scans
  • ambulance transportation
  • durable medical equipment
  • mental health treatment

In addition to these services, some Allwell Advantage plans offer:

  • prescription (Part D) coverage
  • dental coverage
  • vision care
  • hearing care
  • acupuncture
  • chiropractic care

Allwell Medicare Advantage plans range in costs and fees. These not only vary from state to state but also by county or ZIP code. Consider this example:

Costs for Allwell Advantage plans in a few cities

City and planPremiumCopay for prescription drugsMax
out of pocket
Offers extra coverage
Maricopa, AZ—Allwell Medicare HMO plans
$0–$62up to $20$3,400– $6,700Yes,
up to $34 per month
Philadelphia, PA—Allwell HMO and SNP plans$0from $10 per prescription to 25% of the retail cost
$3,400–$6,700
No
Delaware, IN—Allwell HMO, PPO, and SNP plans$0 for HMO and SNP to $19 for PPO from $0–$20
$3,400–$5,500
Yes,
up to $15 extra per month
Dallas, TX—Allwell HMO and HMO SNP plans$0from $0 to 25% of the retail cost$3,700–$6,700No
Charleston, SC—Allwell HMO and HMO SNP plans$0from $0 to 25% of the retail cost$5,900–$6,700No

If you’re eligible for original Medicare, you could purchase a Medicare Part C (Advantage) plan. This is a type of additional insurance you get from private insurers.

Part C plan offerings vary by location. Not every plan is available in every state. You can look for and compare Part C plans, including Allwell Part C plans, by entering your zip code here.

Medicare Advantage plans offer at least as many services as original Medicare, plus additional coverage.

This extra coverage differs from plan to plan. It may include prescription drug coverage, vision care, and dental services. Some Part C plans also offer coverage for acupuncture, plus access to gyms and health clubs through a health and fitness program known as SilverSneakers.

If you’re eligible for original Medicare, you can also purchase Medicare Part D. This is optional prescription drug coverage from private insurers. Part D covers a percentage of the cost of medications not paid for by original Medicare.

Part D plans vary in terms of the medications they cover. Their rates and out-of-pocket costs also differ.

Part D plans are based on a formulary, which is a list of prescription drugs the plan covers. Before opting into a Part D plan, you should always check that its formulary includes any medications you require.

Every Part D plan includes standard medications in specific classes of prescription drugs, although brands or types may vary. These include antidepressants and anticancer medications.

Part D also covers commercially available vaccines that original Medicare doesn’t cover, such as the shingles vaccine.

It’s important to know that you can’t sign up for a Part D plan if you have a Medicare Part C plan.

  • Allwell Medicare Advantage (Part C) plans are sold by private insurers in 16 states. But not every county or ZIP code in those states has access to every plan.
  • Like all Part C plans, Allwell Advantage plans cover at least as much as original Medicare does.
  • Many plans also offer extras, such as prescription drug coverage, dental services, and vision care.

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