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 2025 to people living in South Mississippi. This plan received an overall rating of 4 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 $60.00. 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 $5900.00 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
The HealthSpring Courage (HMO) plan offers robust coverage for everyday healthcare needs, featuring no copays for primary care visits, preventive services, and routine dental care up to an annual limit of $1,800. Specialist visits, physical therapy, and routine hearing exams are highly affordable with a low $25 copay and no coinsurance. For vision care, members enjoy routine eye exams with copays ranging from no copay to $25, alongside eyewear coverage that features no copay up to a $250 yearly maximum. When more intensive care is required, inpatient hospital stays carry a daily copay of $295 for the first seven days, while emergency room visits have a $130 copay that is waived if admitted. Outpatient services feature copays up to $295 with no coinsurance, and the plan also provides no-copay home health services and up to 10 free one-way transportation trips per year. Major medical equipment and dialysis services are covered with a 20% coinsurance and no copay, ensuring manageable out-of-pocket costs for critical care.
Inpatient Hospital See details
HealthSpring Courage (HMO) covers inpatient hospital services with prior authorization and no coinsurance, requiring a daily copay of $295 for days 1-7 of acute stays and $595 for days 1-3 of psychiatric stays, with no copay for subsequent days. This benefit is partially covered because non-Medicare-covered stays, hospital upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, featuring a $0 to $295 copay for outpatient hospital services and a $295 copay per stay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $25 copay and no coinsurance.
Partial Hospitalization See details
HealthSpring Courage (HMO) covers partial hospitalization services with a $140.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HealthSpring Courage (HMO), featuring a $250 copay for ground ambulance services and a 20% coinsurance for air ambulance services, with prior authorization required. The plan also covers up to 10 one-way trips per year to plan-approved health-related locations with no copay or coinsurance, while transportation to non-approved locations is not covered.
Emergency Services See details
HealthSpring Courage (HMO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay with 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) covers primary care physician visits with no copay and no coinsurance, while specialist, physical therapy, and occupational therapy services require a $25 copay and no coinsurance. Podiatry is not covered, and while some chiropractic, psychiatric, and mental health services are covered, routine chiropractic care and individual or group sessions for psychiatric and mental health services are not covered.
Preventive Services See details
HealthSpring Courage (HMO) covers preventive services, including annual physical exams, kidney disease education, and routine screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered, featuring fitness programs and caregiver support, though services like health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are partially covered by HealthSpring Courage (HMO), which features routine hearing exams and fittings for a $25 copay and no coinsurance. Prescription hearing aids are covered with a copay ranging from $399 to $1,800 and no coinsurance, and OTC hearing aids require a $399 copay and no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Vision services are partially covered by HealthSpring Courage (HMO) as other eye exam services are not covered. Routine eye exams are covered with a $0 to $25 copay and no coinsurance, while eyewear is covered with no copay, no coinsurance, and a $250 annual maximum benefit.
Dental Services See details
Dental services are covered by HealthSpring Courage (HMO) with no copay and no coinsurance for preventive and comprehensive care up to an annual maximum of $1,800. Medicare-covered dental services are also available for a $25 copay and no coinsurance.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered by HealthSpring Courage (HMO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have no copay and coinsurance ranging from no coinsurance to 20%, while insulin drugs require a $35 copay and up to 20% coinsurance.
Dialysis Services See details
HealthSpring Courage (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization is required to receive coverage for these services.
Medical Equipment See details
HealthSpring Courage (HMO) covers medical equipment with no copay and a 20% coinsurance, though prior authorization is required. This benefit is partially covered because while durable medical equipment, prosthetics, and diabetic therapeutic shoes are covered, diabetic supplies are not covered.
Diagnostic and Radiological Services See details
HealthSpring Courage (HMO) covers diagnostic and radiological services with no coinsurance, subject to prior authorization. Lab services and outpatient x-rays have no copay, while diagnostic procedures range from a $0 to $75 copay, and therapeutic radiological services require a minimum copay of $80.
Home Health Services See details
Home Health Services are covered by HealthSpring Courage (HMO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by HealthSpring Courage (HMO) with no coinsurance and require prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered in practice and require a $10 copay.
Skilled Nursing Facility (SNF) See details
HealthSpring Courage (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and while a prior three-day hospital stay is not needed, the benefit is partially covered as additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Courage (HMO) partially covers other services, offering a meal benefit for chronic illnesses or qualifying medical conditions with no copay and no coinsurance. However, acupuncture and over-the-counter (OTC) items are not covered under this plan.
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