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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 Nashville. 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 $400.00 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 $6750.00 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 features a $400 drug deductible before initial coverage begins. For Tier 1 preferred generic drugs, you will pay no copay when using preferred pharmacies or preferred mail order, while standard options require a $10 monthly copay. Tier 2 generics cost an $8 monthly copay at preferred locations, which drops to no copay for a three-month supply filled via preferred mail order. Tier 3 preferred brand drugs require a flat $47 copay per month across all pharmacy and mail-order options. High-tier medications are subject to coinsurance, with Tier 4 non-preferred drugs requiring 50% coinsurance and Tier 5 specialty drugs requiring 28% coinsurance for a one-month supply at both standard and preferred pharmacies.
Additional Benefits
The HealthSpring Preferred Full Savings (HMO) plan offers essential medical coverage with no copay for primary care visits, routine preventive services, and home health care. Specialist visits require a $45 copay, while inpatient hospital stays incur a $380 daily copay for days 1 through 6 and no copay for days 7 through 90. Emergency room visits carry a $130 copay, which is waived upon immediate hospital admission. This plan also includes valuable dental, vision, and hearing benefits to help manage your out-of-pocket costs. Preventive and comprehensive dental services are covered with no copay up to a $950 annual limit, while routine eye exams range from no copay to a $45 copay. Additionally, diagnostic lab services and outpatient X-rays feature no copay, whereas durable medical equipment and dialysis services require a 20% coinsurance.
Inpatient Hospital See details
HealthSpring Preferred Full Savings (HMO) partially covers inpatient acute and psychiatric hospital services with no coinsurance, requiring a $380 daily copay for days 1 through 6 and no copay for days 7 through 90. Prior authorization is required, and additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by HealthSpring Preferred Full Savings (HMO) with no coinsurance, featuring no copays for ambulatory surgical center and blood services. Outpatient hospital services require a copay ranging from $0 to $395, observation services cost a $395 copay per stay, and outpatient substance abuse sessions have a $45 copay, with prior authorization required for most services.
Partial Hospitalization See details
Partial hospitalization services are covered under the HealthSpring Preferred Full Savings (HMO) plan with a $140.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
HealthSpring Preferred Full Savings (HMO) covers ground ambulance services with a $250 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required for both. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Emergency services are covered by HealthSpring Preferred Full Savings (HMO) with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $130 copay and no coinsurance per service.
Primary Care See details
HealthSpring Preferred Full Savings (HMO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $45 copay and no coinsurance. Physical, occupational, and speech therapy services require a $35 copay and no coinsurance, while chiropractic, podiatry, psychiatric, and mental health specialty services are not covered.
Preventive Services See details
HealthSpring Preferred Full Savings (HMO) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive services are partially covered with no copay and no coinsurance, excluding health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, palliative care, in-home support, smoking cessation, enhanced disease management, telemonitoring, remote access, bathroom safety devices, and counseling.
Hearing Services See details
Hearing services are partially covered by HealthSpring Preferred Full Savings (HMO), which offers routine exams for a $25 copay and OTC hearing aids for a $399 copay, both with no coinsurance. Prescription hearing aids are also covered with no coinsurance and a copay between $399 and $1,800, though inner ear, outer ear, and over the ear types are not covered.
Vision Services See details
HealthSpring Preferred Full Savings (HMO) provides partially covered vision services with no deductibles or coinsurance, including one routine annual eye exam with a $0 to $45 copay, while other eye exam services are not covered. Covered eyewear has no copay or coinsurance and includes contact lenses and one pair of eyeglasses per year up to a $100 annual limit.
Dental Services See details
Dental services are covered by HealthSpring Preferred Full Savings (HMO), which offers Medicare-covered dental care for a $45 copay and no coinsurance. Other preventive and comprehensive dental services are fully covered with no copay and no coinsurance, up to a maximum annual benefit of $950.
Home Infusion bundled Services See details
HealthSpring Preferred Full Savings (HMO) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization and step therapy. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs require no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by HealthSpring Preferred Full Savings (HMO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
HealthSpring Preferred Full Savings (HMO) covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes and inserts, with prior authorization required. Diabetic equipment is only partially covered, as diabetic supplies are not covered under this plan and other diabetic equipment is limited to specified manufacturers.
Diagnostic and Radiological Services See details
HealthSpring Preferred Full Savings (HMO) covers diagnostic and radiological services with prior authorization required, offering diagnostic lab services and outpatient X-rays with no copay. Outpatient diagnostic procedures and tests carry no coinsurance and a copay ranging from no copay to $75, while therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home health services are covered by HealthSpring Preferred Full Savings (HMO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered under the HealthSpring Preferred Full Savings (HMO) with no coinsurance and require prior authorization. While some services are covered, specific sub-services including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by HealthSpring Preferred Full Savings (HMO) with no coinsurance, though prior authorization is required. There is no copay for days 1 through 20, a $218 daily copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Full Savings (HMO) partially covers other services, offering a limited-duration meal benefit with no copay and no coinsurance for qualifying chronic or medical conditions. Acupuncture, over-the-counter (OTC) items, and other supplemental services are not covered under this plan.
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