HealthSpring TotalCare Plus (HMO D-SNP)

HealthSpring TotalCare Plus (HMO D-SNP) is a HMO D-SNP plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Tampa. This plan received an overall rating of 3.5 out of 5 stars in 2026.

It's important to know that HealthSpring TotalCare Plus (HMO D-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 TotalCare Plus (HMO D-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 TotalCare Plus (HMO D-SNP) plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, you will pay no copay when using a preferred pharmacy or preferred mail order service, compared to a $19 copay for a one-month supply at standard pharmacies. Tier 2 generic medications carry a $20 copay for a one-month supply, though you can save with no copay on a three-month supply filled via preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require a 23% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs both carry a 25% coinsurance across all pharmacy options. Choosing preferred network pharmacies and mail-order options helps maximize your savings on this plan's drug coverage.

Additional Benefits

The HealthSpring TotalCare Plus (HMO D-SNP) plan offers comprehensive coverage with no copays and no coinsurance for a wide range of essential medical services. Members can access inpatient and outpatient hospital care, primary and specialist visits, preventive services, and home health care without any out-of-pocket costs. Additionally, the plan covers skilled nursing facility stays up to 100 days as well as routine dental, vision, and hearing exams with no copay. While most core services feature no copay, certain benefits have specific limits, such as a $2,350 annual dental allowance, a $200 yearly eyewear limit, and a $100 quarterly over-the-counter item allowance. Some specialized services require cost-sharing, including a 20 percent coinsurance for air ambulance services, up to a 20 percent coinsurance or $35 copay for Medicare Part B drugs, and copays ranging from $399 to $1,800 for hearing aids. Please note that many covered benefits, including home health, medical equipment, and inpatient care, require prior authorization.