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 South Carolina. This plan received an overall rating of 4 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 $150.00. 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 $6700.00 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 robust medical coverage, including primary care doctor visits with no copay and specialist visits for a $50 copay. Inpatient acute hospital stays require a $290 daily copay for days one through six, with no copay for additional days, while outpatient hospital services range from no copay up to a $285 copay. Emergency room visits carry a $130 copay, which is waived if you are admitted to the hospital within 24 hours. For supplemental care, the plan provides preventive services and dental care with no copay, offering up to a $1,000 annual maximum benefit for dental services. Routine vision exams range from no copay up to $50, and eyewear is covered with no copay up to a $175 yearly limit. Routine hearing exams require a $30 copay, while home health services are covered with no copay and durable medical equipment requires a 20% coinsurance.
Inpatient Hospital See details
HealthSpring Courage (HMO) covers inpatient acute and psychiatric hospital services with no coinsurance, though prior authorization is required. Acute stays require a $290 daily copay for days 1-6 and no copay thereafter with unlimited additional days covered, while psychiatric stays require a $595 daily copay for days 1-3 and no copay for days 4-90. Non-Medicare-covered stays, upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, featuring a $0 to $285 copay for outpatient hospital services and a $285 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 carry a $50 copay and no coinsurance.
Partial Hospitalization See details
HealthSpring Courage (HMO) covers partial hospitalization benefits with a $140.00 copay and no coinsurance. Prior authorization is required for this covered service.
Ambulance and Transportation Services See details
HealthSpring Courage (HMO) covers ground ambulance services with a $270 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, both requiring prior authorization. Some transportation services are covered, but trips to plan-approved or any health-related locations are not covered.
Emergency Services See details
HealthSpring Courage (HMO) covers emergency services with a $130 copay and no coinsurance, and urgently needed services with a $50 copay and no coinsurance, with both 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 Courage (HMO) offers primary care physician services with no copay and no coinsurance, while specialist, psychiatric, and mental health specialty visits require a $50 copay and no coinsurance. Physical, occupational, and speech therapies have a $45 copay and no coinsurance, but podiatry and chiropractic services are not covered.
Preventive Services See details
Preventive services under HealthSpring Courage (HMO) are partially covered with no copay and no coinsurance for covered benefits like annual physical exams, kidney disease education, diabetes training, and fitness benefits. Several supplemental services are not covered under this plan, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, and weight management programs.
Hearing Services See details
HealthSpring Courage (HMO) partially covers hearing services with no coinsurance, offering routine exams and fitting evaluations for a $30 copay. Prescription hearing aids have a copay ranging from $399 to $1,800 and OTC hearing aids have a $399 copay, though inner ear, outer ear, and over the ear prescription models are not covered.
Vision Services See details
Vision services are partially covered by HealthSpring Courage (HMO), featuring a $0 to $50 copay and no coinsurance for one routine annual eye exam, though other eye exam services are not covered. Eyewear is also covered with no copay or coinsurance up to a $175 yearly limit for contacts, frames, and lenses.
Dental Services See details
Dental services are covered by HealthSpring Courage (HMO), with Medicare-covered dental services requiring prior authorization and carrying a $50 copay and no coinsurance. Other preventive and comprehensive dental services are covered with no copay and no coinsurance, up to a maximum plan benefit of $1,000 every year.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HealthSpring Courage (HMO) with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs carry no coinsurance to 20% coinsurance, while covered Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by HealthSpring Courage (HMO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
HealthSpring Courage (HMO) covers durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes with no copay and a 20% coinsurance, though prior authorization is required. This benefit is partially covered, as diabetic supplies are not covered and diabetic equipment is limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HealthSpring Courage (HMO) with prior authorization required. Lab services have no copay and no coinsurance, diagnostic tests carry a $0 to $95 copay with no coinsurance, and outpatient X-rays have no copay but require coinsurance. Diagnostic radiological services feature copays starting at $0, while therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
HealthSpring Courage (HMO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by HealthSpring Courage (HMO) with no copay or coinsurance, though prior authorization is required. However, only some services are covered in practice, as standard cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HealthSpring Courage (HMO) with no coinsurance, requiring a $10 daily copay for days 1 through 20, a $218 daily copay for days 21 through 60, and no copay for days 61 through 100. Prior authorization is required, and additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
HealthSpring Courage (HMO) partially covers Other Services, providing a meal benefit for chronic illnesses or qualifying medical conditions with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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