HealthSpring Preferred (HMO)

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

It's important to know that HealthSpring Preferred (HMO) 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 Preferred (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.

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 Preferred (HMO) plan offers an Enhanced Alternative drug benefit with a $250.00 prescription drug deductible. After meeting this deductible, you will pay a $5.00 copay for Tier 1 preferred generic drugs at preferred pharmacies or through mail order, which increases to a $20.00 copay at standard pharmacies. Tier 2 standard generic drugs require a $47.00 copay, while Tier 3 preferred brands and Tier 4 non-preferred drugs have a 50% and 30% coinsurance, respectively. These cost-sharing rates apply during the initial coverage phase until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach this $2,100.00 threshold, you enter the catastrophic coverage phase and will pay nothing for covered Part D prescriptions. Additionally, individuals who qualify for the low-income subsidy (LIS) can have their Part D premium reduced to no premium.

Additional Benefits

The HealthSpring Preferred (HMO) plan offers comprehensive medical coverage with many key services requiring no copay and no coinsurance. Primary care and specialist visits range from no copay to a $20 copay, while inpatient hospital stays require a $285 copay for days 1 to 6 and no copay for days 7 to 90. Emergency care is available with a $130 copay, and outpatient services feature no coinsurance with copays ranging from no copay up to $295. This plan also includes valuable supplemental benefits, such as a $300 annual eyewear allowance with no copay or deductible, and dental coverage up to a $2,000 yearly limit. Routine hearing exams require a $20 copay, and skilled nursing facility stays feature no copay for the first 20 days. While diagnostic lab and X-ray services have no copay, some specialized services like dialysis and durable medical equipment require a 20% coinsurance.