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 Central Arkansas. 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) drug plan features an Enhanced Alternative drug benefit with a $200 annual prescription drug deductible. During the initial coverage phase, Tier 1 preferred generic drugs cost an $8 copay at preferred pharmacies and preferred mail, or a $20 copay at standard pharmacies and standard mail. Tier 2 standard generic drugs require a $47 copay, while Tier 3 preferred brands carry a 50% coinsurance and Tier 4 non-preferred drugs carry a 30% coinsurance. After your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and will pay nothing for covered Part D medications. If you qualify for the full Low-Income Subsidy (LIS), your Part D costs are reduced to no copay. Please review the plan's formulary to confirm the coverage and tier placement of your specific prescription drugs.

Additional Benefits

HealthSpring Preferred (HMO) provides comprehensive medical coverage with predictable costs, featuring no copays for preventive care, annual physicals, and lab services. For inpatient hospital stays, members pay a $295 daily copay for the first six days and no copay thereafter, while emergency room visits carry a $130 copay that is waived upon admission. Outpatient services, primary care, and specialist visits generally feature low out-of-pocket costs with no coinsurance and copays ranging from no copay up to $20. The plan also includes valuable supplemental benefits, including routine dental services up to a $2,000 annual maximum and vision care with up to $300 for eyewear with no copay. While hearing exams and prescription hearing aids are covered with copays, durable medical equipment and dialysis services require a 20% coinsurance with no copay. Additionally, members benefit from a meal benefit and an $80 quarterly over-the-counter allowance with no copay or coinsurance.