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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 Oklahoma City. 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 $75.00. 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 $250.00 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 $6900.00 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 $250. For Tier 1 preferred generic and Tier 2 generic medications, members pay no copay when utilizing preferred pharmacies or preferred mail order services. Standard pharmacies and standard mail order options are also available with copays starting at $5 for Tier 1 and $10 for Tier 2 one-month supplies. Tier 3 preferred brand drugs have a flat $47 copay for a one-month supply at both preferred and standard pharmacies or mail-order services. For more specialized medications, Tier 4 non-preferred drugs require a 50% coinsurance, while Tier 5 specialty tier drugs carry a 30% coinsurance for a one-month supply.
Additional Benefits
HealthSpring Preferred Savings (HMO) offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. Specialist visits and physical therapy require a $35 copay, while inpatient hospital stays cost a $275 daily copay for the first seven days and no copay thereafter. Emergency room visits carry a $115 copay, and urgent care services are available for a $40 copay, with no coinsurance required for either. The plan also features valuable supplemental benefits, including preventive and comprehensive dental care up to $1,600 annually with no copay. Vision care includes routine exams and up to $250 yearly for eyewear with no copay, while hearing exams require a $25 copay and hearing aids are covered with copays ranging from $399 to $1,800. Additionally, members benefit from an $80 quarterly over-the-counter allowance and up to 50 free one-way transportation trips to plan-approved locations.
Inpatient Hospital See details
HealthSpring Preferred Savings (HMO) covers inpatient hospital services with no coinsurance, requiring a $275 daily copay for days 1 to 7 and no copay for days 8 to 90 per stay. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Preferred Savings (HMO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services for no copay. Outpatient hospital services require a copay of $0 to $300, observation services have a $225 copay per stay, and outpatient substance abuse sessions carry a $35 copay.
Partial Hospitalization See details
Partial hospitalization services are covered by HealthSpring Preferred Savings (HMO) with a $105.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by the HealthSpring Preferred Savings (HMO) plan, with ground ambulance services requiring a $250 copay and no coinsurance, and air ambulance services requiring a 20% coinsurance and no copay. Transportation services are partially covered, offering up to 50 one-way trips per year to plan-approved locations with no copay and no coinsurance, while transportation to any health-related location is not covered. Prior authorization is required for these benefits.
Emergency Services See details
HealthSpring Preferred Savings (HMO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $115 copay and no coinsurance.
Primary Care See details
HealthSpring Preferred Savings (HMO) covers primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, and occupational therapy require a $35 copay and no coinsurance. Podiatry is not covered, and while some chiropractic, mental health, and psychiatric services are covered, routine chiropractic care and individual or group sessions are not covered.
Preventive Services See details
Preventive services are covered under the HealthSpring Preferred Savings (HMO) with no copay and no coinsurance, including annual physicals, kidney disease education, and fitness benefits. However, additional preventive benefits are only partially covered, excluding health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety devices, and counseling.
Hearing Services See details
Hearing services are covered by HealthSpring Preferred Savings (HMO) with no deductible, featuring annual routine exams and fittings for a $25 copay and no coinsurance, though a referral is required. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $1,800 for up to two devices per year, but inner ear, outer ear, and over the ear hearing aids are not covered. Additionally, up to two OTC hearing aids are covered annually with a $399 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by HealthSpring Preferred Savings (HMO), offering routine eye exams with a $0 to $40 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $250 annual maximum for contact lenses, upgrades, and one pair of eyeglasses per year.
Dental Services See details
HealthSpring Preferred Savings (HMO) covers Medicare dental services with a $35 copay and no coinsurance, subject to prior authorization. Other preventive and comprehensive dental services, including exams, cleanings, implants, and orthodontics, are covered with no copay and no coinsurance up to a maximum plan benefit of $1,600 per year.
Home Infusion bundled Services See details
HealthSpring Preferred Savings (HMO) covers home infusion bundled services with no copay, although prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs have a 0% to 20% coinsurance, while Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by HealthSpring Preferred Savings (HMO) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these services.
Medical Equipment See details
HealthSpring Preferred Savings (HMO) covers Durable Medical Equipment (DME) and prosthetics with no copay and a 20% coinsurance, requiring prior authorization. Diabetic equipment is partially covered under this plan, offering diabetic therapeutic shoes and inserts with no copay and a 20% coinsurance, while diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under HealthSpring Preferred Savings (HMO) with required referrals and prior authorizations. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic tests with a copay ranging from $0 to $50. Radiological services carry a $10 copay and coinsurance for X-rays, a minimum 20% coinsurance for therapeutic services, and diagnostic radiology starting with no copay.
Home Health Services See details
Home Health Services are covered under the HealthSpring Preferred Savings (HMO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by HealthSpring Preferred Savings (HMO) with no coinsurance, though only some services are covered in practice. Standard Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and Supervised Exercise Therapy (SET) for symptomatic Peripheral Artery Disease (PAD) services are not covered and carry a $15 copay.
Skilled Nursing Facility (SNF) See details
HealthSpring Preferred Savings (HMO) covers skilled nursing facility (SNF) services with no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, a prior three-day hospital stay is not needed, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Savings (HMO) partially covers other services, offering over-the-counter (OTC) items and meal benefits with no copay and no coinsurance, while acupuncture is not covered. Members receive a maximum benefit of $80 every three months for OTC items, alongside covered health-related meals for qualifying medical conditions.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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