HealthSpring Achieve (HMO C-SNP)

HealthSpring Achieve (HMO C-SNP) is a HMO C-SNP plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Delaware. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that HealthSpring Achieve (HMO C-SNP) 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 Achieve (HMO C-SNP).

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 Achieve (HMO C-SNP) prescription drug plan features an annual drug deductible of $275. Tier 1 preferred generic drugs offer no copay when using a preferred pharmacy or preferred mail order service, while standard pharmacies charge a $9 copay for a one-month supply. Tier 2 generic medications cost as low as a $4 copay for a one-month supply at preferred locations, whereas Tier 3 preferred brand drugs require a flat $47 copay across all pharmacy options. For higher-tier prescriptions, Tier 4 non-preferred drugs carry a 50% coinsurance, and Tier 5 specialty drugs require a 29% coinsurance for a one-month supply. Additionally, select diabetic drugs in Tier 6 are available with a $9 copay at preferred pharmacies or an $11 copay at standard pharmacies for a one-month supply. Utilizing preferred mail order services can also provide significant savings, including no copay for a three-month supply of Tier 2 generic drugs.

Additional Benefits

The HealthSpring Achieve (HMO C-SNP) plan offers robust medical coverage featuring no copay or coinsurance for primary care visits, home health services, and routine preventive care. For inpatient hospital stays, members pay a $350 daily copay for days 1 through 5 and no copay for days 6 through 90, while emergency room visits carry a $130 copay that is waived if admitted. Specialist visits, therapy services, and Medicare-covered dental care are also accessible with a low $20 copay and no coinsurance. This plan also includes valuable supplemental benefits, such as preventive and comprehensive dental care up to $1,450 annually and routine eyewear up to $200 per year with no copay. Additionally, members receive a $50 quarterly allowance for over-the-counter items, home-delivered meals for qualifying conditions, and up to 30 free one-way transportation trips per year to plan-approved locations. Hearing exams and diagnostic services are also covered with minimal copays, while durable medical equipment and dialysis require a standard 20% coinsurance.