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 Tennessee. 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 $3900.00 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 comprehensive medical coverage with no copay or coinsurance for primary care visits and preventive services. For specialized care, inpatient hospital stays require a $275 daily copay for days one through six and no copay for days seven through 90. Outpatient hospital services are also affordable, featuring no coinsurance and copays ranging from no copay up to $150. Additional benefits include preventive and comprehensive dental care with no copay up to a $2,500 annual limit, alongside a $200 yearly allowance for eyewear. Hearing services feature no deductible, with routine exams requiring a $30 copay and hearing aids covered under set copayments. Members also receive home health care and over-the-counter items with no copay, while durable medical equipment and dialysis services require a 20 percent coinsurance.
Inpatient Hospital See details
HealthSpring Courage (HMO) partially covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $275 daily copay for days 1 through 6 and no copay for days 7 through 90. Prior authorization is required, and additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, featuring a copay of $0 to $150 for outpatient hospital services and $150 per stay for observation services. Outpatient substance abuse sessions require a $30 copay, while ambulatory surgical center and blood services are fully covered with no copay and no coinsurance.
Partial Hospitalization See details
HealthSpring Courage (HMO) covers partial hospitalization services with a $175.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
HealthSpring Courage (HMO) covers ambulance services with a $290 copay for ground transport and 20% coinsurance for air transport, with prior authorization required. Transportation services are partially covered with no copay or coinsurance for up to 24 one-way trips per year to plan-approved locations, but trips to any other health-related locations are not covered.
Emergency Services See details
HealthSpring Courage (HMO) covers emergency services with a $150 copay and urgently needed services with a $30 copay, both featuring no coinsurance and waived copayments if admitted to the hospital within 24 hours. Worldwide emergency, urgent, and emergency transportation services are also covered up to a $50,000 maximum benefit with a $150 copay and no coinsurance.
Primary Care See details
HealthSpring Courage (HMO) covers primary care physician services with no copay and no coinsurance, while specialists, therapy, and telehealth require a $0 to $30 copay and no coinsurance. Some chiropractic, mental health specialty, and psychiatric services are covered, but routine chiropractic care, individual sessions, and group sessions are not covered, and podiatry is excluded.
Preventive Services See details
HealthSpring Courage (HMO) covers preventive services, including annual physical exams, kidney disease education, and other screenings, with no copay and no coinsurance. 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, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access, home safety devices, and counseling.
Hearing Services See details
HealthSpring Courage (HMO) covers hearing services with no deductible, including annual routine exams and fittings for a $30 copay and no coinsurance. OTC hearing aids require a $399 copay and no coinsurance, while prescription hearing aids are partially covered with copays from $399 to $1,800 and no coinsurance, excluding inner ear, outer ear, and over the ear models.
Vision Services See details
Vision services are partially covered by HealthSpring Courage (HMO), offering one routine eye exam per year with a $0 to $30 copay and no coinsurance, while other eye exam services are not covered. Covered eyewear features no copay, no coinsurance, and a $200 annual maximum allowance toward contact lenses, upgrades, or one pair of eyeglasses per year.
Dental Services See details
HealthSpring Courage (HMO) covers Medicare-covered dental services with a $30 copay and no coinsurance, while other preventive and comprehensive dental services are covered with no copay and no coinsurance up to a $2,500 annual maximum.
Home Infusion bundled Services See details
HealthSpring Courage (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs have coinsurance ranging from no coinsurance up to 20%, while covered Part B insulin requires a $35 copay and coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
Dialysis services are covered under the HealthSpring Courage (HMO) plan with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
HealthSpring Courage (HMO) partially covers medical equipment with no copay and a 20% coinsurance, though prior authorization is required. Covered items include durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes or inserts, but diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HealthSpring Courage (HMO) with no coinsurance, though prior authorization is required. Members pay no copay for lab, outpatient X-ray, and diagnostic radiological services, while diagnostic procedures carry a copay of $0 to $100 and therapeutic radiological services require a minimum copay of $60.
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 a $10 copayment, but only some services are covered in practice as standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by HealthSpring Courage (HMO) with no coinsurance, requiring prior authorization. There is no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services are partially covered by HealthSpring Courage (HMO), which offers over-the-counter (OTC) items and meal benefits with no copay and no coinsurance, while acupuncture is not covered. The OTC benefit provides up to $50 every three months for covered items, with no balance carryover to the next period.
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