HealthSpring Alliance (HMO)

HealthSpring Alliance (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Central Arizona. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that HealthSpring Alliance (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about HealthSpring Alliance (HMO).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The HealthSpring Alliance (HMO) plan offers an Enhanced Alternative drug benefit with a $200.00 prescription drug deductible. During the initial coverage phase, Tier 1 preferred generic drugs cost a $4.00 copay at preferred pharmacies and preferred mail order, or a $20.00 copay at standard pharmacies and standard mail. Tier 2 standard generic drugs carry a $47.00 copay, while you will pay a 50% coinsurance for Tier 3 preferred brands and a 30% coinsurance for Tier 4 non-preferred drugs. After your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, individuals who qualify for the low-income subsidy will pay $0.00 for their Part D premium. This plan provides clear cost-sharing tiers to help you easily manage your annual prescription medication expenses.

Additional Benefits

The HealthSpring Alliance (HMO) plan offers robust medical coverage, featuring inpatient hospital stays with a $130 daily copay for the first seven days and no copay for days 8 through 90. Outpatient and primary care services are highly accessible, with copays ranging from no copay up to $150 depending on the procedure. Emergency care is covered with a $150 copay, while urgent care visits require a low $10 copay, with no coinsurance for either service. For specialty care, the plan provides a $2,900 annual maximum for preventive and comprehensive dental, a $350 annual eyewear allowance with no copay, and routine hearing exams for a $5 copay. Members also receive a $45 quarterly over-the-counter allowance, up to 50 one-way transportation trips to approved locations, and skilled nursing facility stays starting at a $20 daily copay. While some specialized services like dialysis and durable medical equipment require a 20% coinsurance, many core preventive services are covered with no copay or coinsurance.