Confused by S4802 013? Get a real-world review of this Medicare PDP plan, with personal insights to help you choose wisely.
Let me take you back to the last decline. It was one of the comfortable Sunday mornings , cinnamon coffee in my hand, my dog napping at my feet, and I, the laptop opened, tried to help my mother navigate the Medicare options. Looks peaceful, right? Error. I was short, chart and deep to my knees on planning numbers that looked like a series code compared to health insurance plans. While digging through the details, I stumbled upon the H1889 Health Plan Overview and a code appeared: S4802 013.
“What is this? A secret government project?” I discovered it by searching for it.
Found out, S4802 013 Wellcare Classic (PDP) is , a medicine plan for Medicare De Prepression. And if you search for the same cryptic code here, you’re in the right place. I will unpack all the things I want in English, without legal Mumbo-Jumbo, and some personal lessons were sprayed for good measures.
Article Breakdown
What is really S4802 013?
Begin with the basics.
S4802 013 it is an official Plan D for a Medicare Part D plan called Wellcare Classic (PDP). It is introduced by Wellcare, a private insurance company contract with Medicare. This particular plan is available in many states including Texas, and prescription provides medication coverage.
In Medicare Lingo, “PDP” means a standalone prescription drug plan , in other words, it only covers medicines, not a doctor’s visit or hospital. You can combine it with the Original Medicare (Part A and B) or a Medicare Advantage plan that does not include drug coverage.
Now that we have a technical definition, talk about the real experience.
Why did I look at this too?
My mother had some D scheme that was going to be more expensive. He has some income, so the case also increases in a small monthly. During Medicare’s annual nomination period (October 15 – December 7), we started acting.
Is it necessary? Very simple:
- She takes some regular prescriptions
- Insulin or special medicine is not required
- Wishing Less Prize
- If she rarely uses coverage, there are no objections to paying a little more
When I came S4802 013. At first glance, the low prize made me a double technology. Was it very good to be true?
Let’s break what I did , with facts, figures and the kind of clarity I offer several Medicare sites.
The paste snapshot S4802 013 (2025)
| Specialty | Description |
|---|---|
| Name of the scheme | Wellcare Classic (PDP) |
| Plan ID | S4802 013 |
| Monthly prize | $3.30 (or $0 with extra help) |
| Annual deductible | $590 |
| Drug formula | 3,019 covers medicines |
| CMS Star rating | 3.5 out of 5 |
| Is available in | Texas and other selected states |
Very attractive, isn’t it? This $3.30 prize seems to be almost untrue , and it’s, if you don’t read the right pressure.
Let’s dig deep.
What is so cheap for this plan?
If you think, “It’s a grip”, ok… You’re not wrong.
The plan is cheap monthly as it comes with a high annual cut , $590 in 2025. This means you will pay full price for most medicines until you hit that amount. After that, the plan kicks in the plan and begins to cover the costs according to the Tier system.
So who is the most benefit of this type of schemes?
This plan may be correct if you:
- Take too little for some recipe
- Use mainly generic low price
- Obtain qualifying for low insert (additional support)
- Will have the least possible monthly premium
- At the beginning of the year, someone may pay out-off-makers for medication
If you can’t do it if you:
- Take brand names or special medications
- Kill the coverage gap (donut holes) often
- Want the cost of predictive, forecasted medicine throughout the year
- Struggling to pay big money
Real Point: How did my mother determine
So here’s how it was played in my house.
I made a spreadsheet (because I had done for sure) to compare his current plan and S4802 013. We saw:
- What makes her take
- What will be the cost of each scheme
- How long will it take to hit the cutable
- What will the monthly vs pay annual pay
When we crushed the numbers, S4802 013 come on , but just barely.
Why?
His medicines were on Tier 1 and Tier 2, the lowest cost. Even without killing the cutable, she pays costs that she was already (or sometimes low) that she already paid with her old plan with high prize and less cut.
Years to year comparison
Here is something you have not found at most comparison sites: how this plan has changed in many years.
| Year | Monthly prize | Annual deductible | Note |
|---|---|---|---|
| 2021 | $19.50 | $445 | Mid-range prices |
| 2024 | $26.00 | $545 | The premium increased |
| 2025 | $3.30 | $590 | The lowest prize yet |
So yes, the prize fell dramatically in 2025. But the cut also increased. This is a closed business.
If you have extra help, this plan becomes even more attractive because your prize can be $0 and can be cut or reduced.
Look more closely at the costs
Here is a simplified example:
Suppose you are taking three generic medicines, which cost around $15 per month without insurance.
With S4802 013:
- You pay $3.30/month = $39.60/year
- Full price for your medicine until you do $590 hitting
- If you spend $540 in one year, you never hit the cutable
- Total out-off-packs: ~$579.60
Compare another plan with it:
- $35/month premium = $420/year
- $250 cutable
- Same $15 medicine but maybe with insurance just $5
- Total: ~$485
Therefore… Although the S4802 013 looks cheaper, it is not always the lowest cost option. You have to run math for yours.
Can you switch to S4802 013?
Yes , but only during that particular time of year.
Large nomination period:
- Annual Nomination Period (AEP): October 15 – December 7
- Open Registration (for Benefit Plan): January 1 – March 31
- Special Nomination Period (SEP): Based on the events of qualified life
You can compare the plans and switch using:
- Medicine
- A licensed Medicare agent
- Directly through Wellcare
If you are new to Medicare or aging in 65, your first registration period (IEP) also lets you choose such a plan.
Frequently Asked Questions About S4802 013
What is the S4802 013? This Wellcare Classic (PDP) is a Plan ID for Medicare Part D plan.
Is this scheme available in my state? It is available in Texas and other selected states. You must check the availability of Medicare.gov or Wellcare on the site.
Why is the prize so low? Because the cut is worth. You pay the full price for most medicines until you reach $590.
Can I use this scheme if I have a Medicare Advantage plan? No, it’s a standalone PDP. If your Medicare Advantage plan already includes drug coverage, you cannot sign up for it.
Does this plan cover insulin? Yes, but cost sharing may vary. Some insulin is covered under senior savings models, which costs the cost of monthly insulin to $35. Check the formula to secure.
Assistant Resources
- Wellcare S4802 013 , Summary of 2025 Profit (PDF)
- Check if your medications are covered
- Compare Part D plans at Medicare.gov
- Apply for additional assistance (LIS)
Key Takings
- Rarely need prescription
- The lowest prize is possible
- If you need, you don’t pay on
- Help is eligible for programs
- …Then the S4802 013 can be an excellent fit.
- But if you prefer to predict costs, or if you know you are killing it quickly, it may be worth seeing a plan with a slightly more monthly premium and better cost sharing.
- For my mother it was understood. We drove the numbers, assessed his health and gave him security , and it was honestly the biggest victory.
Additional Resources
Wellcare Classic (PDP) – Official Medicare.org Summary:Accurate 2025 CMS-based data on premiums, deductibles, cost tiers, and star ratings for Wellcare Classic S4802-013.
Q1Medicare – 2025 Wellcare Classic (PDP) Benefit Details:Comprehensive breakdown of formulary size, tier costs, mail-order benefits, LIS eligibility, and CMS ratings.
