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 Alabama. 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 $75.00. 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 $5750.00 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 coverage for essential medical services, featuring no copay for primary care visits and copays up to $30 for specialist visits with no coinsurance. Emergency care is available with a $130 copay, while acute inpatient hospital stays require a daily copay of $330 for the first six days. Outpatient services and diagnostic lab tests are highly accessible, often requiring no copay and no coinsurance. For supplemental care, the plan provides up to a $1,500 annual benefit for preventive and comprehensive dental services, alongside a $275 yearly limit for eyewear with no copay. Routine hearing exams carry a $25 copay, and hearing aids are covered with copays starting at $399. Additionally, durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay.
Inpatient Hospital See details
HealthSpring Courage (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $330 daily copay for days 1 to 6 of acute stays and a $325 daily copay for days 1 to 7 of psychiatric stays, with no copay for subsequent days. Prior authorization is required, and upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, including ambulatory surgical center services with no copay and outpatient substance abuse sessions with a $30 copay. Outpatient hospital services require a copay ranging from no copay to $330, observation services carry a $330 copay, and outpatient blood services have no deductible.
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 partially covered by HealthSpring Courage (HMO), as transportation to plan-approved or any health-related locations is not covered. Ground ambulance services require a $260 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
HealthSpring Courage (HMO) covers emergency services with a $130 copay and urgently needed services with a $50 copay, both featuring no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $50,000 maximum limit with a $130 copay and no coinsurance.
Primary Care See details
Primary Care benefits are covered by HealthSpring Courage (HMO) with copays ranging from no copay up to $30 and no coinsurance for services like specialist visits, telehealth, and physical therapy. Chiropractic services are partially covered with a $15 copay and no coinsurance, excluding routine care, while podiatry, mental health, and psychiatric services are not covered.
Preventive Services See details
HealthSpring Courage (HMO) covers preventive services, including Medicare-covered zero-dollar preventive services with no copay or coinsurance, annual physical exams, and kidney disease education. Additional preventive services are partially covered, offering fitness benefits and caregiver support but excluding options like health education, weight management, and therapeutic massage.
Hearing Services See details
Hearing services are partially covered by HealthSpring Courage (HMO), featuring a $25 copay and no coinsurance for annual routine hearing exams and fittings. Up to two OTC hearing aids per year are covered for a $399 copay and no coinsurance, while prescription hearing aids carry a copay of $399 to $1,800 with no coinsurance, though inner ear, outer ear, and over-the-ear models are not covered.
Vision Services See details
HealthSpring Courage (HMO) covers vision services, including one routine eye exam per year with a copay of $0 to $30 and no coinsurance. Eyewear, including contacts, frames, lenses, and upgrades, is covered up to a combined annual limit of $275 with no deductible, copay, or coinsurance.
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, including cleanings, x-rays, and orthodontic services, are also covered up to a maximum plan benefit of $1,500 every year.
Home Infusion bundled Services See details
HealthSpring Courage (HMO) covers home infusion bundled services with prior authorization, requiring no copay and 0% to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Medicare Part B insulin drugs are also covered under this benefit for a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the HealthSpring Courage (HMO) plan with a 20% coinsurance and no copay, though prior authorization is required.
Medical Equipment See details
Medical equipment benefits are partially covered by HealthSpring Courage (HMO), with covered items like durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes requiring a 20% coinsurance and no copay. Prior authorization is required for these services, and diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under HealthSpring Courage (HMO) with no coinsurance, though prior authorization is required. There is no copay for lab services and outpatient X-rays, while copayments range from no copay to $75 for diagnostic procedures, no copay to $100 for diagnostic radiological services, and a flat $80 for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered under the HealthSpring Courage (HMO) plan, although prior authorization is required. Specific copay and coinsurance information is not listed for these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are offered by HealthSpring Courage (HMO), but in practice, only some services are covered as Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD services are not covered. Because these services are not covered by the plan, there is no copay or coinsurance required.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by HealthSpring Courage (HMO) with a daily copay of $10 for days 1 to 20, a daily copay of $218 for days 21 to 100, and no coinsurance. Prior authorization is required, and 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 recovery at home with no specified copay or coinsurance. Acupuncture, over-the-counter items, and highly integrated dual-eligible services are not covered.
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