A non-government entity
HealthSpring Courage (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Courage (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Courage (HMO) in 2026, please refer to our full plan details page.
HealthSpring Courage (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Arkansas. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that HealthSpring Courage (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HealthSpring Courage (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 Courage (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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $4500.00 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
Prescription drugs are not covered by HealthSpring Courage (HMO).
Additional Benefits
The HealthSpring Courage (HMO) plan offers comprehensive medical coverage with predictable cost-sharing, featuring no copay for primary care visits and copays up to $35 for specialist visits, both with no coinsurance. Inpatient hospital stays require a $295 copay per day for the first six days, followed by no copay for days seven through 90. Emergency room visits have a $130 copay, while urgent care services require a $30 copay, ensuring affordable access to immediate care without coinsurance. For extra wellness benefits, the plan includes dental coverage up to a $2,200 annual limit and a $200 yearly allowance for eyewear with no copay. Routine eye exams range from no copay to a $30 copay, while hearing exams require a $25 copay, with hearing aids available for copays starting at $399. Additionally, members receive a $50 quarterly over-the-counter allowance and no copay for diagnostic lab and X-ray services.
Inpatient Hospital See details
HealthSpring Courage (HMO) partially covers inpatient acute and psychiatric hospital services, requiring a $295 copay for days 1 through 6, no copay for days 7 through 90, and no coinsurance. Prior authorization is required, and specific sub-services including additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient Services are covered by HealthSpring Courage (HMO) with no coinsurance, featuring a copay ranging from no copay to $295 for outpatient hospital services and a $295 copay per stay for observation services. Additionally, there is no copay for ambulatory surgical center services, while outpatient substance abuse services require a $35 copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered under HealthSpring Courage (HMO) with a $140 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered under HealthSpring Courage (HMO), as transportation services to plan-approved or any health-related locations are not covered. Covered ground ambulance services require a $255 copay and no coinsurance, while air ambulance services require a 20% coinsurance and no copay, with prior authorization required for both.
Emergency Services See details
HealthSpring Courage (HMO) covers emergency services with a $130 copay and urgently needed services with a $30 copay, both featuring no coinsurance. 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 Courage (HMO) covers primary care, specialist, telehealth, and therapy services with copays ranging from no copay to $35 and no coinsurance. Chiropractic services are partially covered with a $15 copay, but routine care is not covered, and podiatry is not covered. For mental health and psychiatric specialty services, some services are covered, but individual and group sessions are not covered.
Preventive Services See details
HealthSpring Courage (HMO) offers partially covered preventive services, including Medicare-covered zero-dollar services and annual physical exams with no copay and no coinsurance. Uncovered sub-services include health education, weight management, alternative therapies, personal emergency response systems, in-home safety assessments, and medical nutrition therapy.
Hearing Services See details
HealthSpring Courage (HMO) covers annual hearing exams and fitting evaluations for a $25 copay and no coinsurance. Hearing aids are partially covered with no coinsurance, including OTC models for a $399 copay and prescription models for a $399 to $1,800 copay, though inner ear, outer ear, and over-the-ear prescription devices are not covered.
Vision Services See details
HealthSpring Courage (HMO) covers vision services, featuring annual routine eye exams with a $0 to $30 copay and no coinsurance. Eyewear, including contact lenses and eyeglasses, is also covered with no copay or coinsurance up to a combined maximum of $200 per year.
Dental Services See details
HealthSpring Courage (HMO) covers a comprehensive range of dental services, including preventive, restorative, and orthodontic care, up to a $2,200 annual maximum. Medicare-covered dental services require a $35 copay and no coinsurance, with prior authorization required.
Home Infusion bundled Services See details
HealthSpring Courage (HMO) covers home infusion bundled services with prior authorization, requiring no copay and no coinsurance to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Medicare Part B insulin drugs are also covered under this benefit with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under HealthSpring Courage (HMO) with 20% coinsurance and no copay. Prior authorization is required to receive these services.
Medical Equipment See details
Medical equipment is partially covered by HealthSpring Courage (HMO), as diabetic supplies are not covered. Covered items, including durable medical equipment, prosthetics, and diabetic shoes, require prior authorization and have no copay and a 20% coinsurance.
Diagnostic and Radiological Services See details
HealthSpring Courage (HMO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Lab and outpatient X-ray services feature no copay, therapeutic radiology requires a $60 copay, and diagnostic procedures and radiological services range from no copay up to $150.
Home Health Services See details
Home Health Services are covered under the HealthSpring Courage (HMO) plan, though prior authorization is required to receive these services.
Cardiac Rehabilitation Services See details
HealthSpring Courage (HMO) does not cover Cardiac Rehabilitation Services, meaning there is no coverage, copay, or coinsurance for any sub-services. This includes standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET).
Skilled Nursing Facility (SNF) See details
HealthSpring Courage (HMO) partially covers Skilled Nursing Facility (SNF) services with prior authorization, though additional days beyond the Medicare-covered limit are not covered. Covered stays feature no coinsurance, with no copay for days 1 to 20 and a $218 daily copay for days 21 to 100.
Other Services See details
Other Services are partially covered by HealthSpring Courage (HMO), featuring a limited-duration meal benefit and a $50 quarterly over-the-counter allowance with no copays or coinsurance. Acupuncture and dual eligible SNP services are not covered under this plan benefit.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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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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