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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 2025 to people living in Orlando. This plan received an overall rating of 3.5 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 $135.00. 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 $4800.00 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) Medicare plan features an annual prescription drug deductible of $300. For Tier 1 preferred generic drugs, members pay no copay when using a preferred pharmacy or preferred mail-order service. Tier 2 generic medications cost as little as a $4 copay for a one-month supply at preferred pharmacies, and there is no copay for a three-month supply filled through preferred mail order. For brand-name and specialty medications, costs are structured around fixed copays or coinsurance. Tier 3 preferred brand drugs require a $47 copay for a one-month supply at both standard and preferred pharmacies. Tier 4 non-preferred drugs require a 50% coinsurance, while Tier 5 specialty drugs require a 29% coinsurance for a one-month supply across all network pharmacies and mail-order options.
Additional Benefits
The HealthSpring Preferred Savings (HMO) plan offers affordable healthcare coverage, featuring primary care visits, home health services, and annual physical exams with no copay and no coinsurance. For inpatient hospital stays, members pay a $325 daily copay for the first seven days and no copay for days eight through 90. Outpatient hospital care and emergency services feature predictable copays with no coinsurance, while certain specialized services like dialysis and durable medical equipment require a 20% coinsurance. In addition to core medical care, the plan provides preventive and comprehensive dental benefits up to a $1,650 annual limit and eyewear up to a $200 annual allowance with no copay. Members also benefit from a $55 quarterly allowance for over-the-counter items and health-related meals with no copay or coinsurance. Routine hearing exams are available for a $25 copay, with additional coverage options for prescription and over-the-counter hearing aids.
Inpatient Hospital See details
HealthSpring Preferred Savings (HMO) partially covers inpatient hospital services with no coinsurance, requiring a $325 daily copay for days 1 through 7 and no copay for days 8 through 90. While unlimited additional acute care days are covered, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Preferred Savings (HMO) covers outpatient services with no coinsurance, featuring a $0 to $200 copay for outpatient hospital services and a $200 copay per stay for observation services. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse sessions require a $25 copay.
Partial Hospitalization See details
Partial hospitalization is covered by HealthSpring Preferred Savings (HMO) with a $100.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered under the HealthSpring Preferred Savings (HMO) plan, requiring prior authorization and featuring a $280 copay (no coinsurance) for ground transport and a 20% coinsurance (no copay) for air transport. Although some transportation services are covered, transportation to plan-approved or any health-related locations is not covered.
Emergency Services See details
HealthSpring Preferred Savings (HMO) covers emergency services with a $130 copay and urgently needed services with a $20 copay, both featuring no coinsurance 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 benefit with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring Preferred Savings (HMO) covers primary care physician services with no copay and no coinsurance, while specialist, physical therapy, and occupational therapy visits require a $25 copay and no coinsurance. Telehealth services are offered with a $0 to $25 copay and no coinsurance, but podiatry is not covered, and individual or group sessions for mental health and psychiatric services are excluded.
Preventive Services See details
HealthSpring Preferred Savings (HMO) covers preventive services, such as annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive services are only partially covered; a fitness benefit is included, but health education, in-home safety assessments, PERS, medical nutrition therapy, medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day services, nutritional benefits, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, home modifications, and counseling are not covered.
Hearing Services See details
Hearing services are covered by HealthSpring Preferred Savings (HMO), offering routine exams for a $25 copay and no coinsurance, alongside OTC hearing aids for a $399 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $1800, though inner ear, outer ear, and over the ear models are not covered.
Vision Services See details
Vision Services are partially covered under the HealthSpring Preferred Savings (HMO) plan, which offers routine eye exams with a $0 to $25 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible, providing up to a $200 annual maximum for contacts, frames, lenses, and upgrades.
Dental Services See details
HealthSpring Preferred Savings (HMO) covers Medicare-covered dental services with a $25 copay and no coinsurance, while other preventive and comprehensive dental services are covered with no copay and no coinsurance up to a $1,650 annual maximum. Covered services include oral exams, cleanings, x-rays, fluoride, endodontics, periodontics, and implants.
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 drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance up to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis services are covered by HealthSpring Preferred Savings (HMO) with no copay and a 20% coinsurance. Prior authorization and a referral are required to receive these covered services.
Medical Equipment See details
HealthSpring Preferred Savings (HMO) covers durable medical equipment and prosthetics with no copay and 20% coinsurance, subject to prior authorization. Diabetic equipment is partially covered with no copay and 20% coinsurance for therapeutic shoes and inserts, but diabetic supplies are not covered.
Diagnostic and Radiological Services See details
HealthSpring Preferred Savings (HMO) covers diagnostic and radiological services, with prior authorization and referrals required for these benefits. Diagnostic procedures and tests have no coinsurance and a copay of $0 to $150, lab services, diagnostic radiological services, and outpatient X-rays have no copay, and therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
HealthSpring Preferred Savings (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
HealthSpring Preferred Savings (HMO) covers Cardiac Rehabilitation Services with no coinsurance, but some services are covered while cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered and require a $10 copay.
Skilled Nursing Facility (SNF) See details
HealthSpring Preferred Savings (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a prior three-day hospital stay is not needed, additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring Preferred Savings (HMO) partially covers other services, providing over-the-counter (OTC) items and meal benefits with no copay and no coinsurance, while acupuncture is not covered. The plan features a $55 quarterly allowance for OTC items and covers health-related meals for qualifying chronic or medical conditions.
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