HealthSpring Preferred Savings (HMO)

HealthSpring Preferred Savings (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 Preferred Savings (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 Preferred Savings (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 Preferred Savings (HMO) Medicare plan offers an Enhanced Alternative drug benefit with a $300 prescription drug deductible. After meeting this deductible, you will enjoy no copay for Tier 1 preferred generic drugs at preferred pharmacies and through preferred mail order. Standard generic drugs carry a $47 copay, while Tier 3 preferred brands and Tier 4 non-preferred drugs require 50% and 29% coinsurance respectively. These copays and coinsurance rates remain in effect until your total drug costs reach $2,100, which transitions you into the catastrophic coverage phase. Once you reach this out-of-pocket limit, you will pay nothing for your Medicare Part D covered prescription drugs for the rest of the year. Additionally, individuals who qualify for the low-income subsidy can receive reduced plan premiums and lower overall costs.

Additional Benefits

The HealthSpring Preferred Savings (HMO) plan offers robust core medical coverage with predictable out-of-pocket costs, featuring no copay for primary care visits and copays up to $30 for specialist visits. Inpatient hospital stays require a $325 daily copay for the first seven days, followed by no copay for days 8 through 90. Additionally, emergency care is available with a $150 copay, which includes worldwide emergency coverage up to a $50,000 maximum benefit. This plan also includes valuable supplemental benefits, such as routine dental care covered up to a $1,600 annual limit and a $100 yearly allowance for eyewear. Members pay no copay for annual physicals and preventive services, while routine hearing exams and hearing aids are covered with low copays. To further support wellness, the plan provides a $45 quarterly allowance for over-the-counter items alongside covered home health services.