HealthSpring Preferred Plus (HMO)

HealthSpring Preferred Plus (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Alabama. This plan received an overall rating of 4 out of 5 stars in 2026.

It's important to know that HealthSpring Preferred Plus (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 Plus (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.

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 Preferred Plus (HMO) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $200.00. Under the initial coverage phase, Tier 1 preferred generic drugs cost a $4.00 copay at preferred pharmacies and mail order, or a $20.00 copay at standard pharmacies and mail order. Tier 2 standard generics require a $47.00 copay, while Tier 3 preferred brands and Tier 4 non-preferred drugs require 50% and 30% coinsurance, respectively. These initial copayments and coinsurance rates apply until your total drug costs reach $2,100.00. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D prescription drugs. For individuals who qualify for the low-income subsidy, also known as Extra Help, the Part D premium is reduced to $13.10.

Additional Benefits

HealthSpring Preferred Plus (HMO) provides robust medical coverage with affordable cost-sharing, featuring copays ranging from no copay to $10 for primary care and specialist visits. For inpatient hospital stays, members pay a $250 daily copay for days one through seven and no copay for days eight through 90. Outpatient services require no coinsurance with copays ranging from no copay up to $250, while emergency room visits carry a $130 copay. The plan also includes valuable supplemental benefits, such as preventive and diagnostic dental services covered with no copays or coinsurance up to a $2,450 annual maximum. Routine vision exams feature copays ranging from no copay to $10, alongside a $300 annual allowance for eyewear with no copay or coinsurance. Additionally, members benefit from a $60 quarterly over-the-counter allowance, no-copay preventive services, and routine hearing exams with a $10 copay.