HealthSpring Preferred AL (HMO)

HealthSpring Preferred AL (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 Preferred AL (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 AL (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 AL (HMO) Medicare plan offers an Enhanced Alternative drug benefit with a $590.00 prescription drug deductible. After meeting this deductible, you will pay an $8.00 copay for Tier 1 preferred generic drugs at preferred pharmacies or mail-order, compared to a $20.00 copay at standard pharmacies. Tier 2 standard generics require a $47.00 copay, while Tier 3 preferred brands and Tier 4 non-preferred drugs require 50% and 26% coinsurance, respectively. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and will have no copay for covered Medicare Part D prescription drugs. Additionally, individuals who qualify for the low-income subsidy, also known as Extra Help, will benefit from a premium reduction and no cost-sharing for Part D. This structured coverage helps beneficiaries manage their prescription medication budgets effectively throughout the year.

Additional Benefits

The HealthSpring Preferred AL (HMO) plan offers comprehensive medical coverage with predictable costs, featuring no coinsurance for inpatient hospital stays, outpatient services, and emergency care. Patients will pay daily copays for the first few days of inpatient hospitalizations, while many outpatient procedures, laboratory tests, and routine preventive services require no copay. Ground ambulance services and urgent care are also covered with flat copays, though dialysis and durable medical equipment require a twenty percent coinsurance. For supplemental care, this plan provides valuable coverage for vision, dental, and hearing services, including no copay for preventive dental care up to an eight-hundred-dollar annual limit. Routine eye exams and corrective eyewear are covered with little to no copay, and members can access home health services as well as a quarterly over-the-counter allowance. Prescription hearing aids are also partially covered, helping to lower your out-of-pocket costs for essential wellness needs.