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HealthSpring Preferred Full Savings (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Preferred Full Savings (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Preferred Full Savings (HMO) in 2026, please refer to our full plan details page.
HealthSpring Preferred Full 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 Full 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 Full 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.
For HealthSpring Preferred Full Savings (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $185.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $500.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The HealthSpring Preferred Full Savings (HMO) plan offers an enhanced alternative drug benefit with an annual prescription drug deductible of $500. After meeting this deductible, you will pay no copay for Tier 1 preferred generic drugs at preferred retail or preferred mail-order pharmacies, while standard pharmacies require a $10 copay. Tier 2 standard generic drugs carry a $47 copay across all network pharmacies. For higher-tier medications, you will pay a 50% coinsurance for Tier 3 preferred brand drugs and a 27% coinsurance for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase where you pay nothing for covered Medicare Part D drugs. Additionally, beneficiaries who qualify for the low-income subsidy can see their Part D premium reduced to $0.00.
Additional Benefits
The HealthSpring Preferred Full Savings (HMO) plan offers comprehensive coverage with no copay for primary care visits and Medicare-covered preventive services, while specialist visits require a $50 copay. For inpatient hospital stays, members pay a $450 daily copay for the first five days, with no copay required for days six through ninety. Emergency care is covered with a $130 copay, which is waived if you are admitted to the hospital within 24 hours. This plan also includes valuable supplemental dental and vision benefits, offering no copay options up to annual maximum limits of $1,000 and $100, respectively. Routine hearing exams are available for a $25 copay, alongside coverage for hearing aids. Durable medical equipment and dialysis services require a 20% coinsurance, while skilled nursing facility stays feature no copay for the first 20 days.
Inpatient Hospital See details
HealthSpring Preferred Full Savings (HMO) partially covers inpatient hospital and psychiatric stays, requiring a $450 copay per day for days 1 through 5, no copay for days 6 through 90, and no coinsurance. Additional days, non-Medicare-covered stays, and upgrades (for acute care) are not covered under this benefit.
Outpatient Services See details
HealthSpring Preferred Full Savings (HMO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center services and a $0 to $450 copay for outpatient hospital services. Observation services require a $450 copay, outpatient substance abuse sessions carry a $45 copay, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
HealthSpring Preferred Full Savings (HMO) covers partial hospitalization services with a $140.00 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by HealthSpring Preferred Full Savings (HMO), with ground ambulance services requiring a $260 copay and no coinsurance, and air ambulance services requiring a 20% coinsurance and no copay. Prior authorization is required for all ambulance services, while transportation services to plan-approved or any health-related locations are not covered.
Emergency Services See details
HealthSpring Preferred Full Savings (HMO) covers emergency services with a $130 copay and urgently needed services with a $50 copay, both featuring no coinsurance and a copay waiver if admitted to the hospital within 24 hours. Worldwide emergency, urgent, and transportation services are also covered up to a $50,000 maximum plan benefit with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring Preferred Full Savings (HMO) covers primary care physician services with no copay or coinsurance, while specialist, occupational therapy, and physical therapy visits require a $50 copay and no coinsurance. Other covered benefits like telehealth, opioid treatment, and chiropractic care have copays ranging from no copay up to $50 with no coinsurance, though podiatry, routine chiropractic, psychiatric, and mental health specialty services are not covered.
Preventive Services See details
HealthSpring Preferred Full Savings (HMO) covers Medicare-covered zero-dollar preventive services with no copay and no coinsurance, as well as annual physical exams and kidney disease education. However, additional preventive services are only partially covered, with caregiver support being covered while benefits like fitness programs, weight management, and nutritional therapy are not covered.
Hearing Services See details
Hearing services are covered by HealthSpring Preferred Full Savings (HMO), featuring a $25 copay and no coinsurance for annual routine exams and fitting evaluations. The plan also covers up to two OTC hearing aids for a $399 copay and up to two prescription hearing aids with a $399 to $1,800 copay and no coinsurance, though inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
HealthSpring Preferred Full Savings (HMO) covers vision services, including one annual routine eye exam with a copay ranging from $0 to $50 and no coinsurance. Eyewear, including contact lenses and eyeglasses, is also covered with no copay, no coinsurance, and a $100 annual combined maximum benefit limit.
Dental Services See details
HealthSpring Preferred Full Savings (HMO) covers Medicare-covered dental services with a $50 copay and no coinsurance, subject to prior authorization. Other preventive, diagnostic, comprehensive, and orthodontic dental services are also covered with no copay and no coinsurance up to a maximum benefit of $1,000 every year.
Home Infusion bundled Services See details
HealthSpring Preferred Full Savings (HMO) covers home infusion bundled services with prior authorization, offering Medicare Part B chemotherapy, radiation, and other drugs for no copay and no coinsurance to 20% coinsurance. Medicare Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance, though Part D home infusion drugs as a bundled mandatory supplemental benefit are not covered.
Dialysis Services See details
HealthSpring Preferred Full Savings (HMO) covers Dialysis Services with 20% coinsurance and no copay. Prior authorization is required to receive these covered services.
Medical Equipment See details
Medical Equipment benefits are partially covered by HealthSpring Preferred Full Savings (HMO), requiring a 20% coinsurance and no copay for durable medical equipment, prosthetic devices, and diabetic therapeutic shoes. Diabetic supplies are not covered, and prior authorization is required for covered medical equipment.
Diagnostic and Radiological Services See details
HealthSpring Preferred Full Savings (HMO) covers diagnostic and radiological services subject to prior authorization. Diagnostic tests and lab services require no coinsurance, with copays ranging from no copay up to $75. Radiological services require a 20% coinsurance with no copay for therapeutic services, a $50 copay with no coinsurance for X-rays, and up to a $325 copay with no coinsurance for diagnostic radiological services.
Home Health Services See details
Home Health Services are covered under the HealthSpring Preferred Full Savings (HMO) plan, though prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
HealthSpring Preferred Full Savings (HMO) indicates that some services are covered under Cardiac Rehabilitation Services, but Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered in practice. Any covered services require prior authorization and carry no copay and no coinsurance.
Skilled Nursing Facility (SNF) See details
HealthSpring Preferred Full Savings (HMO) covers Skilled Nursing Facility (SNF) services with no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, with no coinsurance required. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Full Savings (HMO) technically covers Other Services, but some services are covered while acupuncture, over-the-counter (OTC) items, meal benefits, and Dual Eligible SNPs are not covered.
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