HealthSpring TotalCare (HMO D-SNP)

HealthSpring TotalCare (HMO D-SNP) is a HMO D-SNP plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Texas. 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) prescription drug plan has an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, you will pay no copay if you use a preferred pharmacy or preferred mail order service. If you choose a standard pharmacy or standard mail order, Tier 1 drugs carry a copay of $5 to $15, while Tier 2 drugs require a copay ranging from $10 to $30 depending on the supply duration. Higher tier medications are subject to coinsurance rather than set copays, regardless of whether you use a preferred or standard pharmacy. Tier 3 preferred brand drugs require a 24% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs both carry a 25% coinsurance. Note that Tier 5 specialty medications are only available for a 1-month supply.

Additional Benefits

The HealthSpring TotalCare (HMO D-SNP) plan offers robust coverage with no copays or coinsurance for primary care, specialist visits, home health care, and annual preventive exams. This plan also features high-value supplemental benefits, including routine dental care with no copays up to a $3,000 annual limit, annual eye exams with a $275 eyewear allowance, and a $250 quarterly allowance for over-the-counter items. Routine hearing exams are also covered with no copay, though hearing aids require copays starting at $399. For specialized and facility-based care, inpatient hospital stays require a $190 daily copay for days one through five, while emergency room visits carry a $150 copay. Outpatient hospital services, medical equipment, and ambulance services generally feature no copays but require coinsurance up to 20 percent. Skilled nursing facility stays require a $20 daily copay for the first 20 days, and dialysis services are covered with a 15 percent coinsurance and no copay.