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 Texas. 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 $120.00. 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 $4300.00 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:
Sign up for HealthSpring Courage (HMO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
Prescription drugs are not covered by HealthSpring Courage (HMO).
Additional Benefits
The HealthSpring Courage (HMO) plan offers comprehensive medical coverage with no copay or coinsurance for primary care visits, preventive services, and home health care. For specialized medical care, members will pay a $25 copay for specialist visits, physical therapy, and occupational therapy, while inpatient acute hospital stays require a $375 copay. Emergency room visits carry a $130 copay, which is waived if admitted, and urgently needed care is available for a $30 copay. This plan also features robust supplemental benefits, including preventive and comprehensive dental care with no copay up to a $1,500 annual limit, and a $250 yearly eyewear allowance with no copay. Additionally, members receive a $45 quarterly allowance for over-the-counter items and up to 24 one-way transportation trips per year to plan-approved locations, both with no copay. Other essential diagnostics, such as lab work and diagnostic radiological services, are also covered with no copay and no coinsurance.
Inpatient Hospital See details
HealthSpring Courage (HMO) covers inpatient hospital services with no coinsurance, though upgrades and non-Medicare-covered stays are not covered. Acute hospital stays require a $375 copayment per stay, while psychiatric hospital stays require a $150 daily copayment for days 1 through 7 and no copayment for days 8 through 90.
Outpatient Services See details
HealthSpring Courage (HMO) outpatient services feature no coinsurance, with copays ranging from $0 to $250 for outpatient hospital services and a flat $250 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 $30 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 these services.
Ambulance and Transportation Services See details
HealthSpring Courage (HMO) covers ambulance services with a $200 copay for ground transport and a 20% coinsurance for air transport, with prior authorization required. Transportation services are partially covered, offering up to 24 one-way trips per year to plan-approved locations with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by HealthSpring Courage (HMO) 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 $30 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, physical therapy, and occupational therapy visits require a $25 copay and no coinsurance. Telehealth benefits feature a $0 to $25 copay with no coinsurance, whereas podiatry is not covered. Some chiropractic, mental health, and psychiatric services are covered, although routine care, individual sessions, and group sessions are not covered.
Preventive Services See details
HealthSpring Courage (HMO) covers preventive services, such as annual physical exams, kidney disease education, and select screenings, with no copay and no coinsurance. Additional preventive benefits are partially covered, offering fitness and caregiver support but excluding services like health education, weight management, and in-home safety assessments.
Hearing Services See details
Hearing services under HealthSpring Courage (HMO) feature routine hearing exams 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 a copay between $399 and $1,800, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
HealthSpring Courage (HMO) partially covers vision services, offering one annual routine eye exam with a $0 to $25 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible, up to a $250 yearly maximum for contact lenses, upgrades, or one pair of eyeglasses.
Dental Services See details
HealthSpring Courage (HMO) covers Medicare-covered dental services with a $25 copay and no coinsurance, subject to prior authorization. Other preventive and comprehensive dental services are covered with no copay and no coinsurance up to a maximum annual benefit of $1,500.
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. Associated Medicare Part B chemotherapy, radiation, insulin, and other drugs require a coinsurance ranging from no coinsurance to 20%, with insulin also carrying a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the HealthSpring Courage (HMO) plan with no copay and a 20% coinsurance. Both prior authorization and a referral are required to receive this covered benefit.
Medical Equipment See details
HealthSpring Courage (HMO) partially covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes, all of which require prior authorization. Diabetic supplies are not covered under this benefit.
Diagnostic and Radiological Services See details
HealthSpring Courage (HMO) covers diagnostic and radiological services with no coinsurance, although prior authorization and referrals are required. Members pay no copay for lab services and diagnostic radiological services, a $10 copay for outpatient X-rays, at least an $85 copay for therapeutic radiological services, and between $0 and $150 for diagnostic procedures and tests.
Home Health Services See details
Home Health Services are covered by HealthSpring Courage (HMO) 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, though some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
HealthSpring Courage (HMO) covers Skilled Nursing Facility (SNF) stays with no coinsurance, requiring a $10 daily copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day inpatient hospital stay is not required for admission, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services under HealthSpring Courage (HMO) are partially covered, featuring no copay and no coinsurance for home meal benefits and over-the-counter items, which include a $45 quarterly allowance. Acupuncture is not covered under this benefit.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved