A non-government entity
HealthSpring Courage (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Courage (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Courage (HMO) in 2026, please refer to our full plan details page.
HealthSpring Courage (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2026 to people living in Baltimore. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that HealthSpring Courage (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HealthSpring Courage (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 Courage (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 $90.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6750.00 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
Prescription drugs are not covered by HealthSpring Courage (HMO).
Additional Benefits
HealthSpring Courage (HMO) offers comprehensive medical coverage featuring no copays for primary care visits, annual physical exams, and home health services. For specialized medical needs, the plan requires a $45 copay for specialist visits and an emergency room copay of $130, which is waived if you are admitted. Inpatient hospital stays require a daily copay of $300 for the first seven days, with no copay thereafter and no coinsurance. This plan also includes valuable supplemental benefits, such as preventive and comprehensive dental care with no copay up to a $1,150 annual maximum, and routine eyewear with no copay up to a $200 limit. Hearing services feature no deductible, with routine exams costing a $25 copay and hearing aids requiring copays starting at $399. Durable medical equipment is covered with no copays and a 15% coinsurance, ensuring affordable access to essential medical devices.
Inpatient Hospital See details
Inpatient hospital services are covered by HealthSpring Courage (HMO) with no coinsurance, though prior authorization is required. Medicare-covered acute stays require a $300 daily copay for days 1 to 7 and no copay for days 8 and beyond, while psychiatric stays require a $595 daily copay for days 1 to 3 and no copay for days 4 to 90. Please note that upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services carry a $0 to $290 copay, observation services require a $290 copay per stay, and outpatient substance abuse sessions have a $45 copay.
Partial Hospitalization See details
Partial hospitalization is covered by HealthSpring Courage (HMO) with a $140.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and Transportation Services under HealthSpring Courage (HMO) cover ground ambulance services with a $235 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Prior authorization is required for ambulance services, and transportation services to health-related locations are not covered.
Emergency Services See details
Emergency Services under HealthSpring Courage (HMO) are covered with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services carry a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring Courage (HMO) provides primary care physician services with no copay and no coinsurance, while specialist, occupational therapy, physical therapy, and mental health services require a $45 copay and no coinsurance. Telehealth benefits are also available with a $0 to $45 copay and no coinsurance, though chiropractic and podiatry services are not covered.
Preventive Services See details
Preventive services are covered by HealthSpring Courage (HMO) with no copay and no coinsurance for annual physical exams, kidney disease education, and other screenings. However, additional preventive benefits are only partially covered, excluding health education, in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, chemotherapy wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, home palliative care, in-home support, smoking cessation, disease management, telemonitoring, remote access, home safety modifications, and counseling.
Hearing Services See details
Hearing services are covered by HealthSpring Courage (HMO) with no deductible, offering routine exams and fittings for a $25 copay and no coinsurance, and OTC hearing aids for a $399 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $1,800, though inner ear, outer ear, and over the ear types are not covered.
Vision Services See details
HealthSpring Courage (HMO) offers partially covered vision services with no deductibles, excluding other eye exam services. Routine eye exams have a $0 to $50 copay and no coinsurance, while eyewear is covered with no copay, no coinsurance, and a $200 annual maximum.
Dental Services See details
HealthSpring Courage (HMO) covers Medicare-covered dental services with a $45.00 copay and no coinsurance, though prior authorization is required. Other preventive and comprehensive dental services are covered with no copay and no coinsurance, up to a maximum plan benefit of $1,150 every year.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HealthSpring Courage (HMO) with no copay and no coinsurance, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy and other drugs have no copay and 0% to 20% coinsurance, while Part B insulin is covered with a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis services are covered under the HealthSpring Courage (HMO) plan with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
Medical equipment is covered by HealthSpring Courage (HMO) with no copays, though prior authorization is required. Durable medical equipment, prosthetics, and medical supplies carry a 15% coinsurance, and diabetic therapeutic shoes and inserts carry a 20% coinsurance, though diabetic supplies themselves are not covered.
Diagnostic and Radiological Services See details
HealthSpring Courage (HMO) covers diagnostic and radiological services with prior authorization, offering lab services and outpatient X-rays with no copays. Diagnostic procedures and tests have no coinsurance and a copay ranging from $0 to $95, while therapeutic radiological services require a copay and a minimum 20% coinsurance.
Home Health Services See details
HealthSpring Courage (HMO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
HealthSpring Courage (HMO) covers Cardiac Rehabilitation Services with no coinsurance, but only some services are covered in practice as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $25 copay.
Skilled Nursing Facility (SNF) See details
HealthSpring Courage (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, though prior authorization is required and cost-sharing applies on the day of discharge. For each stay, you will pay a $10 daily copay for days 1-20, a $218 daily copay for days 21-60, and no copay for days 61-100, while additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Courage (HMO) partially covers other services, providing a meal benefit for qualifying chronic illnesses or medical conditions with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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