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HealthSpring Preferred Savings (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Preferred 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 Savings (HMO) in 2026, please refer to our full plan details page.
HealthSpring Preferred Savings (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2026 to people living in Las Vegas. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that HealthSpring Preferred 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 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 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 $110.00. 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 $250.00 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 $3700.00 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 Savings (HMO) plan features an annual drug deductible of $250. For Tier 1 preferred generics, you pay no copay when using a preferred pharmacy or preferred mail-order service, while standard options charge a $9 copay for a one-month supply. Tier 2 generic drugs cost as little as a $4 copay for a one-month supply at preferred locations, and there is no copay for a three-month supply filled via preferred mail order. Tier 3 preferred brand drugs carry a consistent $47 copay for a one-month supply across all pharmacy and mail-order options. Higher-tier medications require coinsurance rather than flat copays, with Tier 4 non-preferred drugs requiring 50% coinsurance and Tier 5 specialty drugs requiring 30% coinsurance for a one-month supply.
Additional Benefits
The HealthSpring Preferred Savings (HMO) plan offers robust coverage with low out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. For specialist visits and therapy sessions, members pay a $15 copay with no coinsurance. Inpatient hospital stays require a $250 daily copay for the first six days and no copay for days 7 through 90, while outpatient hospital services range from no copay up to a $275 copay. This plan also includes valuable supplemental benefits, such as dental care up to $1,000 annually and eyewear up to a $225 maximum limit with no copay or coinsurance. Members also receive a quarterly $45 over-the-counter item allowance with no copay, alongside routine hearing exams for a $15 copay. Emergency room visits require a $140 copay, while urgent care services are available for a $10 copay.
Inpatient Hospital See details
HealthSpring Preferred Savings (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 daily copay for days 1 through 6 and no copay for days 7 through 90. While unlimited additional days are covered for acute stays, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
HealthSpring Preferred Savings (HMO) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Patients will pay a copay of $0 to $275 for outpatient hospital services, $150 per stay for observation services, and $15 for outpatient substance abuse sessions.
Partial Hospitalization See details
Partial hospitalization is covered by HealthSpring Preferred Savings (HMO) with a $105.00 copay and no coinsurance. Prior authorization is required for these covered services.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by HealthSpring Preferred Savings (HMO), with prior authorization required for all ambulance transfers. Ground ambulance services require a $200 copay and no coinsurance, air ambulance services carry a 20% coinsurance and no copay, and transportation services to health-related locations are not covered.
Emergency Services See details
HealthSpring Preferred Savings (HMO) covers emergency services with a $140 copay and urgently needed services with a $10 copay, with no coinsurance for either benefit and copays waived if admitted to the hospital within 24 hours. Worldwide emergency, urgent, and transportation services are also covered with a $125 copay and no coinsurance up to a $50,000 maximum benefit, and none of these costs count toward the plan-level deductible.
Primary Care See details
HealthSpring Preferred Savings (HMO) covers primary care physician services with no copay and no coinsurance, while specialist visits, physical, speech, and occupational therapies, and opioid treatment require a $15 copay and no coinsurance. Additional telehealth and other healthcare professional services range from a $0 to $15 copay with no coinsurance, but chiropractic, podiatry, mental health, and psychiatric services are not covered.
Preventive Services See details
Preventive services are covered by HealthSpring Preferred Savings (HMO) with no copay and no coinsurance, though a referral is required for kidney disease education and digital rectal exams. Additional preventive benefits are only partially covered; while fitness and caregiver support are included, the plan does not cover health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, smoking cessation counseling, enhanced disease management, telemonitoring, remote access technologies, home safety devices, and counseling services.
Hearing Services See details
HealthSpring Preferred Savings (HMO) covers routine hearing exams and fittings with a $15 copay and no coinsurance, though a referral is required. Hearing aids are partially covered with no coinsurance, offering up to two OTC hearing aids per year for a $399 copay and up to two prescription hearing aids per year for a $399 to $1,800 copay, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
HealthSpring Preferred Savings (HMO) covers routine eye exams with no coinsurance and a copay ranging from no copay to $15, though other eye exam services are not covered. Eyewear is covered with no copay and no coinsurance up to a $225 annual maximum for contacts, eyeglasses, and upgrades.
Dental Services See details
HealthSpring Preferred Savings (HMO) covers Medicare-covered dental services with a $15 copay and no coinsurance, while other preventive and comprehensive dental services are covered with no copay and no coinsurance. These additional dental benefits, including cleanings, exams, and orthodontic services, are subject to a maximum plan coverage limit of $1,000 every year.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HealthSpring Preferred Savings (HMO) with no copay, though prior authorization is required. Associated Medicare Part B chemotherapy and other drugs carry no copay and a 0% to 20% coinsurance, while Medicare Part B insulin drugs require a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
HealthSpring Preferred Savings (HMO) covers dialysis services with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
Medical equipment is covered by HealthSpring Preferred Savings (HMO) with no copay and a 20% coinsurance, subject to prior authorization. This benefit is partially covered, as durable medical equipment, prosthetics, and diabetic therapeutic shoes are covered, while diabetic supplies are not covered.
Diagnostic and Radiological Services See details
HealthSpring Preferred Savings (HMO) covers diagnostic services with no coinsurance, offering lab services with no copay and diagnostic tests with a copay between $0 and $30. Radiological services require referrals and prior authorization, featuring a $15 copay plus coinsurance for X-rays, no copay for diagnostic radiology, and a copay with at least 20% coinsurance for therapeutic radiology.
Home Health Services See details
HealthSpring Preferred Savings (HMO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthSpring Preferred Savings (HMO) plan, as none of the sub-services, including intensive cardiac, pulmonary, and SET for PAD services, are covered by the plan.
Skilled Nursing Facility (SNF) See details
HealthSpring Preferred Savings (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20 and a $214 copay per day for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Savings (HMO) partially covers other services, offering over-the-counter (OTC) items with no copay and no coinsurance up to a maximum of $45 every three months. Acupuncture, meal benefits, and other additional services are not covered.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
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