A non-government entity
HealthSpring Courage (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Courage (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Courage (HMO) in 2026, please refer to our full plan details page.
HealthSpring Courage (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in North Florida. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that HealthSpring Courage (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HealthSpring Courage (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 Courage (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 $70.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $5500.00 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
Prescription drugs are not covered by HealthSpring Courage (HMO).
Additional Benefits
The HealthSpring Courage (HMO) plan offers comprehensive medical coverage with predictable cost-sharing, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. Specialist visits, physical therapy, and Medicare-covered dental services require a standard $30 copay with no coinsurance. For hospital care, inpatient acute stays require a $285 daily copay for the first eight days with no coinsurance, while outpatient hospital services range from no copay up to a $275 copay. Emergency care is available with a $130 copay that is waived upon hospital admission, while urgent care visits require a $50 copay. Routine dental care up to a $750 maximum and home infusion services are covered with no copay or coinsurance, while durable medical equipment and dialysis require a 20% coinsurance. Routine vision and hearing exams are also highly affordable, featuring low to no copays and no coinsurance.
Inpatient Hospital See details
HealthSpring Courage (HMO) covers inpatient hospital services with no coinsurance, requiring a $285 daily copay for days 1 through 8 of acute stays and a $595 daily copay for days 1 through 3 of psychiatric stays, with no copay for subsequent days. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital services require a copay of $0 to $275 (with a $285 copay per stay for observation services), while outpatient substance abuse sessions have a $30 copay.
Partial Hospitalization See details
HealthSpring Courage (HMO) covers partial hospitalization services with a $140.00 copay and no coinsurance, although prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services under HealthSpring Courage (HMO) are covered, with ground ambulance services requiring a $225 copay and air ambulance services requiring a 20% coinsurance, both subject to prior authorization. Transportation services to plan-approved or any health-related locations are not covered by this plan.
Emergency Services See details
Emergency services are covered by HealthSpring Courage (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, and worldwide emergency, urgent, and transportation services are covered up to a $50,000 limit with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring Courage (HMO) provides primary care physician services with no copay and no coinsurance, while specialist, physical therapy, occupational therapy, speech-language pathology, and opioid treatment services require a $30 copay and no coinsurance. Additional telehealth and other healthcare professional services have a copay ranging from $0 to $30 and no coinsurance, whereas chiropractic, podiatry, mental health specialty, and psychiatric services are not covered.
Preventive Services See details
Preventive services are covered by HealthSpring Courage (HMO) with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. Additional preventive services are partially covered, offering physical and memory fitness benefits with no copay or coinsurance, while sub-services such as health education, nutritional/dietary benefits, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are covered by HealthSpring Courage (HMO), featuring a $25 copay and no coinsurance for annual routine exams and fitting evaluations. Prescription hearing aids are partially covered with copays from $399 to $1,800 and no coinsurance, though inner ear, outer ear, and over the ear models are not covered. OTC hearing aids are also covered with a $399 copay and no coinsurance, with a limit of two hearing aids per year.
Vision Services See details
Vision services are partially covered by HealthSpring Courage (HMO), offering one annual routine eye exam with a $0 to $30 copay, no coinsurance, and no deductible, though other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible up to a $150 annual maximum for contact lenses, upgrades, and one pair of eyeglasses per year.
Dental Services See details
HealthSpring Courage (HMO) covers Medicare-covered dental services with a $30 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 $750.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HealthSpring Courage (HMO) with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, feature no coinsurance to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered under the HealthSpring Courage (HMO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
HealthSpring Courage (HMO) covers durable medical equipment, prosthetics, and medical supplies with no copay and a 20% coinsurance, subject to prior authorization. Diabetic equipment is partially covered, offering therapeutic shoes and inserts with no copay and a 20% coinsurance, while diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HealthSpring Courage (HMO) with no coinsurance, though prior authorization is required. Members pay no copay for lab and outpatient X-ray services, while diagnostic procedures range from no copay up to $95, and therapeutic radiology services require a minimum copay of $80.
Home Health Services See details
HealthSpring Courage (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 covered under HealthSpring Courage (HMO) with no copay and no coinsurance, although prior authorization is required. While some services are covered, cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
HealthSpring Courage (HMO) partially covers Skilled Nursing Facility (SNF) services with prior authorization, requiring no coinsurance and daily copayments of $10 for days 1 to 20 and $218 for days 21 to 100. A prior three-day inpatient hospital stay is not required, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
HealthSpring Courage (HMO) partially covers other services, offering a meal benefit for qualifying chronic or medical conditions with no copay and no coinsurance. However, acupuncture, over-the-counter (OTC) items, and other supplemental services are not covered.
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