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 Tennessee. 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) prescription drug plan features a $200 annual drug deductible. You will pay no copay for Tier 1 preferred generic drugs when using preferred pharmacies or preferred mail-order services, compared to a $10 copay for a one-month supply at standard pharmacies. Tier 2 generic drugs cost as low as a $4 copay for a one-month supply at preferred pharmacies, or no copay for a three-month supply through preferred mail order. For Tier 3 preferred brand drugs, the plan charges a flat $47 copay for a one-month supply regardless of the pharmacy type you choose. Higher tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 50% coinsurance and Tier 5 specialty drugs requiring a 30% coinsurance for a one-month supply. Choosing preferred pharmacies and mail-order services helps minimize your out-of-pocket costs under this plan.

Additional Benefits

HealthSpring Preferred (HMO) offers comprehensive coverage with no copay for primary care visits, preventive services, and home health care. Inpatient hospital stays require no coinsurance but carry a 280 dollar daily copay for the first six days, while outpatient hospital services feature copays ranging from no copay to 325 dollars. Emergency care is accessible with a 130 dollar copay, which is waived if you are admitted within 24 hours. The plan also includes valuable supplemental benefits, such as dental coverage with no copay up to a 2,300 dollar annual maximum and vision eyewear coverage with no copay up to a 225 dollar annual limit. Additionally, members benefit from a 75 dollar quarterly over-the-counter allowance and routine hearing exams with a 15 dollar copay. Specialist visits and physical therapy carry a 15 dollar copay with no coinsurance, while routine eye exams range from no copay to 15 dollars.