HealthSpring Achieve (HMO C-SNP)

HealthSpring Achieve (HMO C-SNP) is a HMO C-SNP plan offered by Health Care Service Corporation available for enrollment in 2026 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 Achieve (HMO C-SNP) 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 Achieve (HMO C-SNP).

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 Achieve (HMO C-SNP) prescription drug plan features a $200 annual deductible and offers an Enhanced Alternative benefit design. During the initial coverage phase, Tier 1 preferred generic drugs have a $5 copay at preferred pharmacies and mail-order, while Tier 2 standard generics require a $47 copay. Tier 3 preferred brand drugs require a 50% coinsurance, Tier 4 non-preferred drugs have a 30% coinsurance, and Tier 5 specialty drugs have a $9 copay at preferred locations. These cost-sharing rates apply until your total yearly drug costs reach $2,100, at which point you enter the catastrophic coverage phase. Once in this phase, you pay nothing for Medicare Part D covered drugs for the remainder of the year.

Additional Benefits

The HealthSpring Achieve (HMO C-SNP) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring no copayments for preventive care and primary care visits ranging from no copay to a $20 copay. Hospital stays and emergency services are covered with flat copays, such as a $220 daily copay for the first seven days of acute inpatient care and a $150 copay for emergency room visits, with no coinsurance required. Specialized medical needs like dialysis and durable medical equipment require a 20% coinsurance and no copay, while diagnostic services range from no copay for lab tests to a $10 copay for outpatient X-rays. This plan also includes valuable everyday wellness benefits, including routine dental and vision services with no coinsurance and low to no copays. Beneficiaries receive up to $1,300 annually for preventive and comprehensive dental care, alongside a $300 annual allowance for eyewear and a $20 quarterly allowance for over-the-counter items. Routine hearing exams carry a $20 copay, and hearing aids are covered with fixed copays starting at $399, though some services like cardiac rehabilitation and diabetic supplies are excluded.