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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 Valley. 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 $300.00 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 $6800.00 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 an annual drug deductible of $300. For Tier 1 preferred generic drugs, you will pay no copay when filling your prescription through a preferred pharmacy or preferred mail order service. Tier 2 generic medications are also highly affordable, with a $2 copay for a one-month supply at preferred pharmacies and no copay for a three-month supply ordered through preferred mail order. Tier 3 preferred brand drugs require a flat $47 copay for a one-month supply across all standard and preferred pharmacy or mail order options. For higher-tier medications, Tier 4 non-preferred drugs carry a 50% coinsurance, while Tier 5 specialty drugs require a 29% coinsurance for a one-month supply.
Additional Benefits
The HealthSpring Preferred Full Savings (HMO) plan offers comprehensive coverage for essential medical services, featuring no copay for primary care visits and a $50 copay for specialists. Inpatient hospital stays require a $250 daily copay for the first six days and no copay for days seven through 90, with no coinsurance. Additionally, emergency room visits carry a $115 copay, which is waived if you are admitted within 24 hours, while home health services have no copay. For supplemental care, this plan provides preventive and comprehensive dental services with no copay up to a $1,200 annual limit, alongside routine vision exams and eyewear coverage up to $100 annually. Members also benefit from a quarterly $30 allowance for over-the-counter items and standard preventive services with no copay. Routine hearing exams require a $30 copay, and prescription hearing aids are covered with copays ranging from $399 to $1,800.
Inpatient Hospital See details
HealthSpring Preferred Full Savings (HMO) offers partial coverage for inpatient hospital services with no coinsurance, featuring a copay of $250 per day for days 1 through 6 and no copay for days 7 through 90. Upgrades, non-Medicare-covered stays, and additional psychiatric stay days are not covered.
Outpatient Services See details
HealthSpring Preferred Full Savings (HMO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services with no copay. Outpatient hospital services have a copay of $0 to $350, observation services require a $350 copay per stay, and outpatient substance abuse sessions carry a $55 copay.
Partial Hospitalization See details
HealthSpring Preferred Full Savings (HMO) covers partial hospitalization services with a $105.00 copay and no coinsurance. Prior authorization is required to receive coverage for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HealthSpring Preferred Full Savings (HMO), which requires prior authorization and charges a $250 copay (no coinsurance) for ground ambulance and a 20% coinsurance (no copay) for air ambulance services. While some transportation services are covered, transportation to plan-approved health-related locations or any other health-related locations is not covered.
Emergency Services See details
HealthSpring Preferred Full Savings (HMO) covers emergency services with a $115 copay and urgently needed services with a $35 copay, with no coinsurance for either service 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 limit with a $115 copay and no coinsurance.
Primary Care See details
HealthSpring Preferred Full Savings (HMO) offers primary care physician services with no copay and no coinsurance, and specialist visits with a $50 copay and no coinsurance. Physical, occupational, and speech therapies require a $35 copay and no coinsurance, while chiropractic, podiatry, psychiatric, and mental health specialty services are not covered.
Preventive Services See details
Preventive services are covered by HealthSpring Preferred Full Savings (HMO) with no copay and no coinsurance, though certain benefits like kidney disease education and digital rectal exams require a referral. Additional preventive benefits are only partially covered, with fitness programs and caregiver support included, while services such as health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs are not covered.
Hearing Services See details
HealthSpring Preferred Full Savings (HMO) covers annual hearing exams with a $30 copay, no coinsurance, and no deductible. Prescription hearing aids are partially covered with no coinsurance and a copay of $399 to $1,800 (excluding inner, outer, and over-the-ear models), while up to two OTC hearing aids per year are covered with a $399 copay and no coinsurance.
Vision Services See details
Vision services are partially covered by HealthSpring Preferred Full Savings (HMO), with other eye exam services not covered under the plan. Covered routine eye exams have a $0 to $50 copay and no coinsurance, while eyewear is covered with no copay or coinsurance up to a $100 annual maximum benefit.
Dental Services See details
HealthSpring Preferred Full Savings (HMO) covers Medicare dental services with a $50 copay and no coinsurance, subject to prior authorization. Other preventive and comprehensive dental services, including cleanings, exams, and orthodontics, are covered with no copay and no coinsurance up to a maximum annual benefit of $1,200.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HealthSpring Preferred Full Savings (HMO) with no copay, though prior authorization is required. Under this benefit, Medicare Part B chemotherapy and other drugs have no copay and no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
HealthSpring Preferred Full Savings (HMO) covers Dialysis Services with no copay and a 20% coinsurance. Prior authorization and a referral are required for these covered services.
Medical Equipment See details
HealthSpring Preferred Full Savings (HMO) partially covers medical equipment with no copays and a 20% coinsurance, with prior authorization required for these services. While durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes are covered, diabetic supplies are not covered under this plan.
Diagnostic and Radiological Services See details
HealthSpring Preferred Full Savings (HMO) covers diagnostic and radiological services with no coinsurance, though prior authorization and referrals are required. Under this plan, lab and diagnostic radiological services have no copay, while outpatient X-rays require a $10 copay, diagnostic tests have a copay of up to $50, and therapeutic radiology has a minimum copay of $85.
Home Health Services See details
HealthSpring Preferred Full Savings (HMO) covers Home Health Services with no copay and no coinsurance. Prior authorization is required for these covered services.
Cardiac Rehabilitation Services See details
HealthSpring Preferred Full Savings (HMO) covers cardiac rehabilitation services with no coinsurance, though in practice only some services are covered while cardiac rehabilitation ($30 copay), intensive cardiac rehabilitation ($30 copay), pulmonary rehabilitation ($15 copay), and supervised exercise therapy ($20 copay) are not covered.
Skilled Nursing Facility (SNF) See details
HealthSpring Preferred Full Savings (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but not requiring a prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 copay for days 21 through 100, with no coverage for additional days beyond the standard Medicare limit.
Other Services See details
HealthSpring Preferred Full Savings (HMO) partially covers other services, offering a meal benefit and over-the-counter (OTC) items with no copay and no coinsurance. Under this plan, acupuncture is not covered, but eligible members receive up to $30 every three months for OTC items.
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1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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