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) plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $590.00. After meeting this deductible, Tier 1 preferred generic drugs require an $8.00 copay at preferred pharmacies and mail-order, or a $20.00 copay at standard pharmacies and standard mail. Tier 2 standard generic drugs have a $47.00 copay across all pharmacy and mail-order options during the initial coverage phase. For higher-tier medications, Tier 3 preferred brands require 50% coinsurance, and Tier 4 non-preferred drugs require 26% coinsurance. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Individuals who qualify for the low-income subsidy may also see their Part D premium reduced to no cost.

Additional Benefits

The HealthSpring Preferred AL (HMO) plan offers comprehensive coverage for essential medical services with predictable out-of-pocket costs and no deductibles. For inpatient hospital stays, members pay a daily copay of $260 for the first six days and no copay for subsequent days, while emergency room visits carry a $115 copay that is waived upon admission. Additionally, the plan features no copays for laboratory services, outpatient x-rays, and ambulatory surgical center visits, keeping routine healthcare highly affordable. Specialist office visits require a $40 copay, while durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay. This plan also includes valuable supplemental benefits, such as a $250 annual eyewear allowance, routine hearing exams for a $25 copay, and a $900 maximum annual benefit for preventive dental care with no copay. Skilled nursing facility stays are also covered with no copay for the first 20 days of care.