HealthSpring Preferred Full Savings (HMO)

HealthSpring Preferred Full Savings (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Mobile. 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.

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 Full Savings (HMO) plan features an Enhanced Alternative drug benefit with a $500 annual prescription drug deductible. During the initial coverage phase, Tier 1 preferred generic drugs have an $8 copay at preferred pharmacies and mail order, or a $20 copay at standard pharmacies and mail order. Tier 2 standard generics require a $47 copay, while Tier 3 preferred brands have a 50% coinsurance and Tier 4 non-preferred drugs have a 27% coinsurance. After your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. Additionally, beneficiaries who qualify for the low-income subsidy can receive a premium reduction, resulting in no premium costs for Part D.

Additional Benefits

The HealthSpring Preferred Full Savings (HMO) plan offers structured coverage for essential medical needs, focusing on predictable copays and no coinsurance for many core services. Inpatient hospital stays require a daily copay of $380 for the first five days followed by no copay for days six through 90, while doctor visits range from no copay for primary care up to a $40 copay for specialists. Emergency care is covered with a $130 copay, which is waived if you are admitted, and ground ambulance services require a $240 copay. For supplemental care, the plan features comprehensive dental benefits with no copays or coinsurance up to a $1,200 annual limit, alongside routine vision exams ranging from no copay to $40 and a $200 eyewear allowance. Routine hearing exams are available for a $25 copay, while durable medical equipment and dialysis services require a 20% coinsurance with no copay. Diagnostic lab and outpatient X-ray services are also available with no copay and no coinsurance.