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 South Florida. 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 drug deductible of $615. For Tier 1 preferred generics, you will pay no copay when using a preferred pharmacy or preferred mail order service, while standard pharmacies charge a $19 copay for a one-month supply. Tier 2 generic medications cost a $20 copay for a one-month supply at most pharmacies, though you can get a three-month supply with no copay through preferred mail order. For higher-tier medications under this plan, cost-sharing transitions from set copays to coinsurance. Tier 3 preferred brands require a 23% coinsurance, while Tier 4 non-preferred drugs and Tier 5 specialty drugs both carry a 25% coinsurance across all pharmacy options. These coinsurance rates apply whether you fill your prescriptions at a preferred pharmacy, standard pharmacy, or via mail order.

Additional Benefits

The HealthSpring TotalCare Plus (HMO D-SNP) offers comprehensive medical coverage featuring no copays and no coinsurance for inpatient hospital stays, outpatient care, primary and specialist visits, and preventive services. Members can also access emergency services, dialysis, home health, and skilled nursing facility stays up to one hundred days with no out-of-pocket costs. This plan is designed to minimize healthcare expenses for core medical needs. In addition to basic care, the plan provides valuable supplemental benefits including a four thousand dollar annual dental allowance and a two hundred dollar eyewear benefit with no copay or coinsurance. Routine hearing exams are covered with no copay, though prescription and over-the-counter hearing aids require copays starting at three hundred ninety-nine dollars. Eligible members also receive a one hundred twenty-five dollar quarterly allowance for over-the-counter items and unlimited plan-approved transportation trips with no copay or coinsurance.