HealthSpring TotalCare (HMO D-SNP)

HealthSpring TotalCare (HMO D-SNP) is a HMO D-SNP plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in East Texas. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that HealthSpring TotalCare (HMO D-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 TotalCare (HMO D-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 TotalCare (HMO D-SNP) plan features an annual drug deductible of $615. For prescription savings, Tier 1 (Preferred Generic) and Tier 2 (Generic) drugs have no copay when you use preferred pharmacies or preferred mail-order services. If you choose standard pharmacies or standard mail order, copays range from $5 to $15 for Tier 1 drugs and $10 to $30 for Tier 2 drugs, depending on whether you get a one-, two-, or three-month supply. For higher-tier medications, costs are structured as coinsurance across all pharmacy and mail-order options. Tier 3 (Preferred Brand) drugs require a 24% coinsurance, while Tier 4 (Non-Preferred Drug) and Tier 5 (Specialty Tier) drugs require a 25% coinsurance. Note that Tier 5 specialty medications are limited to a one-month supply.

Additional Benefits

The HealthSpring TotalCare (HMO D-SNP) plan offers comprehensive medical coverage with no copay and no coinsurance for primary care visits, preventive services, outpatient hospital care, and home health services. For emergency care, members pay a $150 copay, while ground ambulance services require a $75 copay, with no coinsurance for either service. Inpatient acute hospital stays are covered with no copay, though psychiatric stays and skilled nursing facility care require daily copayments. This plan also features robust supplemental benefits, including no copay and no coinsurance for routine vision exams, up to $300 annually for eyewear, and up to $3,050 per year in dental coverage. Hearing exams and fitting evaluations are covered with no copay, while prescription and over-the-counter hearing aids require a copay starting at $399. Additionally, members receive a quarterly allowance of $200 for over-the-counter items with no copay or coinsurance.