HealthSpring TotalCare (HMO D-SNP)

HealthSpring TotalCare (HMO D-SNP) is a HMO D-SNP plan offered by Healthspring Life & Health Insurance Company, Inc. available for the 2026 plan year 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 TotalCare (HMO D-SNP) 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 TotalCare (HMO D-SNP).

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 TotalCare (HMO D-SNP) plan offers an Enhanced Alternative drug benefit with a $615.00 annual prescription drug deductible. If you qualify for the Low-Income Subsidy (Extra Help), your Part D premium cost may be reduced to $3.30. After meeting your deductible, you will pay set copayments or coinsurance during the initial coverage phase until your total drug costs reach $2,100.00. During the initial coverage phase, Tier 1 preferred generic drugs require a $20.00 copay, while Tier 2 standard generics carry a 24% coinsurance. Tier 3 preferred brands and Tier 4 non-preferred drugs both have a 25% coinsurance for retail and mail-order options. Once your yearly out-of-pocket drug costs reach $2,100.00, you will enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.

Additional Benefits

The HealthSpring TotalCare (HMO D-SNP) plan offers comprehensive medical coverage with predictable cost-sharing, featuring low copays and no coinsurance for inpatient hospital stays, outpatient services, and skilled nursing facility care. Emergency and urgent care are covered with flat copayments, while primary care is accessible and diagnostic services range from no copay to a 20% coinsurance. Additionally, the plan includes up to 50 one-way transportation trips per year to approved locations and preventive care with no copay. Supplemental benefits include comprehensive dental coverage up to a $3,000 annual limit and a $350 yearly allowance for eyewear with no deductibles. Routine hearing exams have no copay, and hearing aids are covered with copayments ranging from $399 to $1,800. Members also benefit from a $200 quarterly allowance for over-the-counter items and a limited-duration meal benefit for chronic illnesses.

Plan Providers

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, Health Care Service Corporation, HealthSpring^SM, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.