WellCare vs. HCSC Insurance

Which health insurance company is the best option for you and your family? Compare WellCare and HCSC side by side.

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WellCare vs. HCSC: What You Need to Know

In 1985, Wellcare began as a Medicaid provider for the state of Florida, with operations in Tampa, Florida. After the Balanced Budget Act of 1997 was passed, WellCare began offering Medicare Part C, now called Medicare Advantage. In 2003, it offered Medicare Advantage plans with prescription drug coverage. In 2004, Wellcare went public. In November 2013, WellCare appointed Chairman David Gallitano to serve as interim CEO. He increased spending on technology and famously dorned the walls with photographs and portraits of health plan members, including people who suffer from chronic conditions like cancer, homelessness and hunger. In 2014, WellCare hired Kenneth Burdick as the new CEO and board member. He’d originally joined the company as the president of national health plans but was promoted first to president and COO and eventually CEO. In September 2017, Wellcare announced a rebrand with a focus on holistic health: “Beyond Healthcare: A Better You.” In October 2017, Wellcare announced the UNC Health Alliance primary care physicians and specialists into its Medicare Advantage network. Wellcare operates in 20 states and was recognized by Fortune Magazine as One of the World’s Most Admired Companies in January 2018. In January 2020, Wellcare was acquired by Centene Corporation.

Health Care Service Corporation began with the first hospital care prepayment plan which was developed by Justin Ford Kimball, a vice president at the Baylor University School of Medicine in Texas. He as well as health care professionals and officials met during the Great Depression to solve the problem of affordable health care. In 1936, they launched the Chicago Plan for Hospital Care by pooling their resources, creating the first insurance policy effective January 21, 1937. The company grew quickly, enrolling 36,000 members in its first six months. It adopted the Blue Cross symbol in 1939 and the Blue Shield symbol in 1947.

To learn more about each company, you can check out the WellCare Overview and HCSC Overview.

What is WellCare and HCSC Insurance Rating?

Which health insurance company is better? We've made it easy to compare companies side by side. See how WellCare and HCSC ranked among the industry ratings.

ComparisonWellCareHCSC
Year Founded19851929
Medicare Star Rating3.57 stars (out of 5)3 stars (out of 5)
BBB RatingA+A+
NAIC Complaint Index0.40% for individual health

Pros & Cons of WellCare or HCSC

Pros

WellCare
  • Affordable Medicare plans with many options for savings.
  • Offers PPO plans for Medicare Advantage, allowing for more freedom in choosing providers.
HCSC
  • Affordable marketplace plans with different tiers of coverage.

Cons

WellCare
  • The PPO plans are only available in select counties in New York, Georgia, Florida, and South Carolina.
  • Medicare ratings have dropped over the past few years, possibly due to rapid expansion and acquisition.
HCSC
  • HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.

WellCare and HCSC Mobile Apps Options

The MyWellCare app allows you to keep track of your benefits, look for providers, and use it as a digital ID Card.

Each state has its own HCSC / Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.

WellCare Mobile App
iOS     1.753 users
Android     2.3209 users
HCSC Mobile App
HCSC mobile app varies by State.

WellCare and HCSC Enrollment Process

WellCare

You can get several free health insurance quotes with SmartFinancial. For Wellcare enrollment forms visit here.

HCSC

HCSC offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes with SmartFinancial.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. Remember that HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.

How to File a Claim with WellCare and HCSC Insurance

WellCare

Your doctor or care provider should submit a claim to the insurer. You should be covered except for copay. Your insurer will send you an explanation of benefits. If you owe anything, your doctor will send you a bill. If you visit an out-of-network provider, you will not be covered unless it was an emergency. Call 1-800-919-8807 with any additional questions.

HCSC

To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.

Common Questions About HCSC and WellCare Insurance

WellCare

How does WellCare flex card work?

WellCare flex is a prepaid debit card to help cover out-of-pocket expenses for services such as dental, vision, and hearing. Members pay $0 for certain over-the-counter (OTC) products worth up to $1,800 annually, depending on the plan.

Does WellCare have a PPO plan?

WellCare has launched Preferred Provider Organization plans (local PPOs) in select counties in New York, Georgia, Florida, and South Carolina.

What is WellCare’s preferred pharmacy?

Preferred cost-share pharmacies include CVS, Target, most independent, and many regional chains.

How do I order OTC WellCare?

You can order OTC WellCare by visiting www.wellcare.com/medicare. You can order using the Interactive Voice Response system (IVR) by calling the number that is on the back of your ID card.

Check out our full list of common questions about WellCare.

HCSC

What is the difference between HCSC and BCBS?

BCBS stands for Blue Cross Blue Shield, which is a federation of 36 separate health insurance companies. It was formed in 1982. Blue Cross (hospital services) and Blue Shield (physician services) operated separately until 1975, when they became one as Health Care Service (HCSC) Corporation. HCSC is an independent licensee of the Blue Cross and Blue Shield Association.

What are some HCSC subsidiaries?

Dearborn Group, Dental Network of America, Inc (DNoA), Medecision, Inc., Availity, LLC, Prime Therapeutics, LLC and TriWest Healthcare Alliance.

Is HCSC a publicly-traded company?

HCSC is a mutual insurance company, which means that it is customer-owned.

What states does HCSC insurance cover?

HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.

Check out our full list of common questions about HCSC.

WellCare and HCSC Insurance Contact Info

WellCare Contact Info
AddressP.O. Box 31370
Phone1 (800) 960-2530
Websitehttps://www.wellcare.com/
Facebookhttps://www.facebook.com/WellCareHealthPlans/
Youtubehttps://www.youtube.com/channel/UCpI5y9aJ895uevK-EAG67eA
Twitterhttps://twitter.com/PlansWellcare
Linkedinhttps://www.linkedin.com/company/wellcare/
HCSC Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.hcsc.com/
Facebookhttps://www.facebook.com/healthcareservicecorporation/
Youtubehttps://www.youtube.com/user/HealthCareService
Twitterhttps://twitter.com/HCSC
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-&-texas/life/4548c167-e254-4ffd-a356-7892967212c3/

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