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 Southwest Ohio/North Kentucky. This plan received an overall rating of 3 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) plan features a $0 drug deductible, meaning your prescription coverage begins immediately with no out-of-pocket deductible costs. For Tier 1 preferred generic and Tier 2 generic medications, you will pay no copay when using a preferred pharmacy or preferred mail-order service. If you choose a standard pharmacy or standard mail-order service, Tier 1 drugs have a $5 copay and Tier 2 drugs have a $10 copay for a one-month supply. Tier 3 preferred brand drugs require a flat $47 copay for a one-month supply regardless of whether you use preferred or standard pharmacies and mail-order services. For higher-tier prescriptions, Tier 4 non-preferred drugs carry a 50% coinsurance, while Tier 5 specialty drugs require a 33% coinsurance for a one-month supply. These coinsurance rates apply equally across all preferred and standard pharmacy and mail-order options.

Additional Benefits

The HealthSpring Preferred Savings (HMO) plan offers robust core medical coverage, featuring no copay for primary care visits, cardiac rehabilitation, and home health services. For hospital care, inpatient stays require a $360 daily copay for the first five days and no copay for days six through 90, while emergency room visits carry a $130 copay that is waived if you are admitted. Outpatient services and diagnostic lab tests are also highly accessible, often requiring no copay or low copays with no coinsurance. This plan also includes valuable supplemental benefits, such as dental coverage with no copay for preventive services up to a $1,000 annual limit and a $150 annual allowance for eyewear with no copay. Routine hearing exams are available for a $25 copay, alongside coverage for hearing aids and up to 20 free one-way transportation trips to approved locations. For specialized medical needs, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.