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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 $115.00. 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 $6500.00 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 an annual drug deductible of $300. For Tier 1 preferred generic drugs, you will pay no copay when using a preferred pharmacy or preferred mail-order service. Tier 2 generic drugs are also highly affordable, costing an $8 copay for a one-month supply at preferred pharmacies, or no copay for a three-month supply through preferred mail order. Tier 3 preferred brand drugs carry a flat $47 copay for a one-month supply regardless of whether you use standard or preferred pharmacies. For higher-tier prescriptions, Tier 4 non-preferred drugs require a 50% coinsurance, while Tier 5 specialty drugs have a 29% coinsurance for a one-month supply. Utilizing preferred network pharmacies and mail-order services helps secure the lowest out-of-pocket costs on this plan.
Additional Benefits
The HealthSpring Preferred Savings (HMO) plan offers comprehensive medical coverage featuring no copays for primary care visits, home health services, and preventive care. For hospital stays, members pay a daily copayment of $370 for the first six days of inpatient care, while outpatient hospital services range from no copay to a $370 copay. Emergency room visits carry a $130 copay, which is waived if admitted, and urgent care is available for a $50 copay. Specialist visits require a $50 copay, while routine dental, vision, and hearing services are covered with low out-of-pocket costs, including no copay for preventive dental care up to an annual maximum of $1,100. Diagnostic lab work and X-rays are provided with no copay, though durable medical equipment and dialysis require a 20% coinsurance. This plan delivers affordable coverage designed to minimize out-of-pocket expenses for your everyday healthcare needs.
Inpatient Hospital See details
HealthSpring Preferred Savings (HMO) partially covers inpatient acute and psychiatric hospital stays with no coinsurance, though prior authorization is required. For both types of stays, you will pay a $370 copay per day for days 1 through 6 and no copay for days 7 through 90, while additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
HealthSpring Preferred Savings (HMO) covers outpatient services with no coinsurance, featuring a $0 to $370 copay for outpatient hospital services and a $370 copay per stay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $50 copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered by HealthSpring Preferred Savings (HMO) with a $140.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services are covered by HealthSpring Preferred Savings (HMO) with a $285 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport, both of which require prior authorization. Transportation services to health-related locations are not covered under this plan.
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 up to a $50,000 maximum with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring Preferred Savings (HMO) covers primary care with no copay and no coinsurance, specialists for a $50 copay and no coinsurance, and physical, occupational, and speech therapies for a $20 copay and no coinsurance. Podiatry is not covered, and while some chiropractic services (with a $15 copay and no coinsurance) and mental health and psychiatric services (with no copay and no coinsurance) are covered, their routine, individual, and group sessions are not.
Preventive Services See details
Preventive services are covered by HealthSpring Preferred Savings (HMO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and glaucoma screenings. However, this benefit is only partially covered, as specific services like health education, in-home safety assessments, weight management programs, and personal emergency response systems are not covered.
Hearing Services See details
Hearing Services under the HealthSpring Preferred Savings (HMO) plan include annual routine hearing exams and fittings for a $10 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $1,800 for up to two devices per year, excluding inner ear, outer ear, and over-the-ear types. Up to two over-the-counter hearing aids are also covered annually with a $399 copay and no coinsurance.
Vision Services See details
HealthSpring Preferred Savings (HMO) provides partially covered vision services, featuring one routine eye exam per year with a $0 to $50 copay and no coinsurance, though other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $125 annual maximum, which includes contact lenses, upgrades, and one pair of eyeglasses per year.
Dental Services See details
HealthSpring Preferred Savings (HMO) covers Medicare-covered dental services with a $50 copay and no coinsurance, requiring prior authorization. Other preventive and comprehensive dental services, including exams, cleanings, and restorative treatments, are covered with no copay and no coinsurance up to an annual maximum benefit of $1,100.
Home Infusion bundled Services See details
HealthSpring Preferred Savings (HMO) covers home infusion bundled services with no copay, although prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and insulin, carry a coinsurance ranging from 0% to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered by the HealthSpring Preferred Savings (HMO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
HealthSpring Preferred Savings (HMO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, requiring prior authorization. Diabetic equipment is partially covered, offering therapeutic shoes and inserts with no copay and a 20% coinsurance, while diabetic supplies are not covered.
Diagnostic and Radiological Services See details
HealthSpring Preferred Savings (HMO) covers diagnostic and radiological services with prior authorization, offering lab services with no copay and no coinsurance. Outpatient diagnostic tests have no coinsurance and a copay ranging from $0 to $75, while therapeutic radiological services require a minimum 20% coinsurance and outpatient X-rays have no copay.
Home Health Services See details
HealthSpring Preferred Savings (HMO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by HealthSpring Preferred Savings (HMO) with no coinsurance, though prior authorization is required. While some services are covered with no copay, standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services 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 no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Savings (HMO) partially covers other services, offering a limited-duration meal benefit for chronic or recovery-related medical conditions with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and other supplemental services under this benefit category are not covered.
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