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 features an Enhanced Alternative drug benefit with a $200.00 prescription drug deductible. During 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. Tier 2 standard generics carry a $47.00 copay, while Tier 3 preferred brands and Tier 4 non-preferred drugs require 50% and 30% coinsurance, respectively. These copays and coinsurance rates apply until total drug expenses reach $2,100.00. After reaching $2,100.00 in yearly out-of-pocket costs, you enter the catastrophic coverage phase where you pay nothing for covered Part D prescription drugs. Additionally, individuals qualifying for the low-income subsidy can see their Part D premium reduced to $13.10.

Additional Benefits

The HealthSpring Preferred Plus (HMO) plan offers strong medical coverage with predictable out-of-pocket costs, featuring no copay for primary care visits, annual physicals, and routine lab services. Specialist visits, Medicare-covered dental care, and routine hearing or vision exams require a low $10 copay, and members benefit from a $300 annual eyewear allowance and up to $2,950 in yearly dental services. For inpatient hospital stays, members pay a daily copay of $245 for the first seven days, followed by no copay for days eight through 90. Emergency care is available with a $130 copay, which is waived upon hospital admission, while urgent care visits require a $50 copay. While most outpatient and diagnostic services require no coinsurance, dialysis and durable medical equipment carry a 20% coinsurance. Members also gain access to extra benefits like 10 free one-way transportation trips per year to approved locations and a $60 quarterly allowance for over-the-counter health items.