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HealthSpring Preferred Savings (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Preferred Savings (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Preferred Savings (HMO) in 2026, please refer to our full plan details page.
HealthSpring Preferred Savings (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 Savings (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 Savings (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.
For HealthSpring Preferred Savings (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $85.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $300.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6200.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The HealthSpring Preferred Savings (HMO) plan features a $300 drug deductible. Tier 1 preferred generic drugs have no copay when using preferred pharmacies or preferred mail order services, while standard options require a $10 monthly copay. Tier 2 generic drugs cost $8 per month at preferred locations, with no copay for a three-month supply via preferred mail order, compared to $20 per month at standard pharmacies. For brand-name and specialty medications, Tier 3 preferred brand drugs require a flat $47 monthly copay at all pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 50% coinsurance across all pharmacy choices, and Tier 5 specialty drugs require a 29% coinsurance for a one-month supply.
Additional Benefits
The HealthSpring Preferred Savings (HMO) plan offers affordable health coverage with no copays for primary care visits, preventive services, and home health care. For specialist visits, members pay a $45 copay, while inpatient hospital stays require a $350 daily copay for the first six days and no copay for days 7 through 90. Emergency room care is covered with a $130 copay, which is waived if you are admitted within 24 hours. Additionally, the plan provides robust dental and vision benefits, including up to $1,300 in dental services and $200 for eyewear with no copays. Routine hearing exams require a $30 copay, while durable medical equipment and dialysis services are covered with a 20% coinsurance and no copay. Skilled nursing facility stays are also covered, featuring no copay for the first 20 days.
Inpatient Hospital See details
HealthSpring Preferred Savings (HMO) partially covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $350 daily copay for days 1 through 6 and no copay for days 7 through 90. Prior authorization is required, and additional days, non-Medicare-covered stays, and upgrades are not covered.
Outpatient Services See details
Outpatient services covered by HealthSpring Preferred Savings (HMO) feature no coinsurance across all categories, including ambulatory surgical center (ASC) and blood services which also have no copay. Outpatient hospital services require prior authorization with copays ranging from $0 to $350, observation services cost a $275 copay per stay, and outpatient substance abuse sessions require a $45 copay.
Partial Hospitalization See details
HealthSpring Preferred Savings (HMO) covers partial hospitalization services with a $140 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
HealthSpring Preferred Savings (HMO) covers ground ambulance services with a $270 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required for both. Transportation services to plan-approved or other health-related locations are not covered.
Emergency Services See details
HealthSpring Preferred Savings (HMO) covers emergency services with a $130 copay and urgently needed services with a $50 copay, with no coinsurance for either service and copays waived if admitted to the hospital within 24 hours. Worldwide emergency, urgent, and transportation services are also covered with a $130 copay and no coinsurance, up to a maximum plan benefit of $50,000.
Primary Care See details
HealthSpring Preferred Savings (HMO) covers primary care visits with no copay and no coinsurance, and specialist visits with a $45 copay and no coinsurance. Physical and occupational therapies are covered with a $30 copay and no coinsurance, but podiatry is not covered, and chiropractic, mental health, and psychiatric benefits do not cover routine, individual, or group sessions.
Preventive Services See details
HealthSpring Preferred Savings (HMO) covers preventive services, including annual physical exams, fitness benefits, caregiver support, and kidney disease education, with no copay and no coinsurance. However, the plan's additional preventive services are only partially covered, as options like health education, weight management programs, and in-home safety assessments are not covered.
Hearing Services See details
HealthSpring Preferred Savings (HMO) covers annual routine hearing exams and evaluations with a $30 copay and no deductible or coinsurance. Prescription hearing aids are partially covered with no coinsurance and a $399 to $1,800 copay for up to two devices per year, excluding inner ear, outer ear, and over the ear models, while OTC hearing aids are covered with a $399 copay and no coinsurance.
Vision Services See details
HealthSpring Preferred Savings (HMO) covers vision services, offering routine eye exams with a copay of $0 to $45 and no coinsurance, though other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance, providing up to a $200 annual maximum benefit for contacts, eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Dental services are covered by HealthSpring Preferred Savings (HMO), which offers Medicare-covered dental services for a $45.00 copay and no coinsurance, subject to prior authorization. Other preventive and comprehensive dental services are covered with no copay and no coinsurance up to a maximum benefit of $1,300 per year.
Home Infusion bundled Services See details
HealthSpring Preferred Savings (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy, radiation, and other drugs are covered with no copay and no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
HealthSpring Preferred Savings (HMO) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical Equipment benefits under HealthSpring Preferred Savings (HMO) are partially covered with no copays and a 20% coinsurance, subject to prior authorization. While durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes are covered, diabetic supplies are not covered under this plan.
Diagnostic and Radiological Services See details
HealthSpring Preferred Savings (HMO) covers diagnostic and radiological services with prior authorization, offering diagnostic lab services with no copay and no coinsurance. Diagnostic procedures and tests carry a $0 to $150 copay with no coinsurance, while therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
HealthSpring Preferred Savings (HMO) covers Home Health Services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the HealthSpring Preferred Savings (HMO) with no coinsurance and require prior authorization. While some services are covered, specific sub-services including cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy for symptomatic peripheral artery disease are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
HealthSpring Preferred Savings (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no prior three-day hospital stay. Patients pay no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Savings (HMO) partially covers Other Services, which includes a meal benefit with no copay and no coinsurance for enrollees with qualifying medical conditions or chronic illnesses. Acupuncture, over-the-counter (OTC) items, and other additional services are not covered under this benefit.
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Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
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