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HealthSpring Preferred Full Savings (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Preferred Full 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 Full Savings (HMO) in 2026, please refer to our full plan details page.
HealthSpring Preferred Full Savings (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Birmingham. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that HealthSpring Preferred Full 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 Full 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 Full 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 $185.00. 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 $500.00 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 $5600.00 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 Full Savings (HMO) plan offers an Enhanced Alternative drug benefit with an annual prescription drug deductible of $500. During the initial coverage phase, Tier 1 preferred generic drugs cost an $8 copay at preferred pharmacies and mail-order services, or a $20 copay at standard pharmacies. Tier 2 standard generic drugs carry a $47 copay regardless of whether you use a preferred or standard pharmacy. For brand-name and non-preferred medications, the plan transitions to coinsurance, requiring 50% coinsurance for Tier 3 preferred brand drugs and 27% coinsurance for Tier 4 non-preferred drugs. Once your annual out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase where you will have no copay for covered Medicare Part D prescriptions.
Additional Benefits
The HealthSpring Preferred Full Savings (HMO) plan offers comprehensive coverage for core medical needs, featuring no copay to a $40 copay for primary care and specialist visits. Inpatient hospital stays require a $400 daily copay for the first five days and no copay for days six through 90, while outpatient services range from no copay up to a $445 copay. Emergency care is available with a $130 copay and urgent care carries a $50 copay, both with no coinsurance. Supplemental benefits include preventive and comprehensive dental care up to a $1,200 annual limit with no copay, and a $150 annual eyewear allowance with no copay or coinsurance. Routine hearing exams cost a $25 copay, while hearing aids require a copay ranging from $399 to $1,800. Members also benefit from diagnostic services with no copay for lab tests and X-rays, alongside a $25 quarterly allowance for over-the-counter items.
Inpatient Hospital See details
HealthSpring Preferred Full Savings (HMO) partially covers inpatient hospital stays with a $400 copay per day for days 1 through 5, no copay for days 6 through 90, and no coinsurance. However, non-Medicare-covered stays, acute care upgrades, and additional days for psychiatric hospitalizations are not covered.
Outpatient Services See details
HealthSpring Preferred Full Savings (HMO) covers outpatient services with no coinsurance and copays ranging from no copay up to $445. There is no copay for ambulatory surgical center services, a $40 copay for outpatient substance abuse sessions, and copays up to $400 for outpatient hospital services and $445 per stay for observation services.
Partial Hospitalization See details
Partial hospitalization benefits are covered by the HealthSpring Preferred Full Savings (HMO) plan with a $140 copay and no coinsurance. Prior authorization is required to access these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by HealthSpring Preferred Full Savings (HMO), as transportation services to plan-approved or any health-related locations are not covered. Ground ambulance services require a $250 copay and no coinsurance, while air ambulance services require 20% coinsurance and no copay, with prior authorization required for both.
Emergency Services See details
HealthSpring Preferred Full Savings (HMO) covers emergency services with a $130 copay and urgently needed services with a $50 copay, both with no coinsurance 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 Full Savings (HMO) covers primary care, specialist visits, and physical, occupational, and speech therapies with copays ranging from no copay to $40 and no coinsurance. Podiatry, routine chiropractic care, and individual or group sessions for mental health and psychiatric services are not covered.
Preventive Services See details
HealthSpring Preferred Full Savings (HMO) provides partial coverage for Preventive Services with no copay or coinsurance for covered benefits like annual physical exams and kidney disease education. However, several sub-services are not covered, including health education, weight management programs, alternative therapies, therapeutic massage, in-home safety assessments, and personal emergency response systems.
Hearing Services See details
Hearing services are covered by HealthSpring Preferred Full Savings (HMO), including annual routine exams and fitting evaluations for a $25 copay and no coinsurance. Hearing aids are partially covered, featuring OTC models for a $399 copay and prescription models for a $399 to $1,800 copay with no coinsurance, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
HealthSpring Preferred Full Savings (HMO) covers one routine eye exam per year with a copay ranging from no copay to $40 and no coinsurance. Eyewear, including lenses, frames, and contact lenses, is also covered up to a $150 annual limit with no copay, no coinsurance, and no deductible.
Dental Services See details
HealthSpring Preferred Full Savings (HMO) covers Medicare-covered dental services with a $40 copay and no coinsurance, subject to prior authorization. Other preventive and comprehensive dental services, including exams, cleanings, and restorative treatments, are covered up to a $1,200 annual maximum with no copay and no coinsurance.
Home Infusion bundled Services See details
HealthSpring Preferred Full Savings (HMO) covers home infusion bundled services with prior authorization, offering chemotherapy, radiation, and other Part B drugs with no copay and 0% to 20% coinsurance. Covered Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by HealthSpring Preferred Full Savings (HMO) with a 20% coinsurance and no copay, subject to prior authorization.
Medical Equipment See details
HealthSpring Preferred Full Savings (HMO) partially covers medical equipment, offering durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with a 20% coinsurance and no copay. Diabetic supplies are not covered under this plan, and prior authorization is required for covered items.
Diagnostic and Radiological Services See details
HealthSpring Preferred Full Savings (HMO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members pay no copay for lab and outpatient X-ray services, an $80 copay for therapeutic radiological services, and a copay of $0 to $100 for diagnostic tests and diagnostic radiological services.
Home Health Services See details
Home health services are covered under the HealthSpring Preferred Full Savings (HMO) plan, although prior authorization is required to receive these benefits.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are offered by HealthSpring Preferred Full Savings (HMO), but in practice, some services are covered while cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and SET for PAD services are not covered. Since these services are not covered, there are no copays or coinsurance costs associated with them under this plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is partially covered by HealthSpring Preferred Full Savings (HMO), requiring prior authorization with a $10 daily copay for days 1 to 20, a $218 daily copay for days 21 to 100, and no coinsurance. Additional days beyond those covered by Medicare are not covered.
Other Services See details
HealthSpring Preferred Full Savings (HMO) partially covers other services, providing a meal benefit for chronic illnesses and a $25 quarterly allowance for over-the-counter items with no copay or coinsurance. Acupuncture and Dual Eligible SNP services are not covered under this plan.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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