A non-government entity
HealthSpring True Choice Savings (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring True Choice Savings (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring True Choice Savings (PPO) in 2026, please refer to our full plan details page.
HealthSpring True Choice Savings (PPO) is a PPO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Dallas. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that HealthSpring True Choice Savings (PPO) 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 True Choice Savings (PPO).
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 True Choice Savings (PPO), 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 $50.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $335.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
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 combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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:
Sign up for HealthSpring True Choice Savings (PPO)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The HealthSpring True Choice Savings (PPO) prescription drug plan features an annual drug deductible of $300. For Tier 1 preferred generics, you will pay no copay when using preferred pharmacies or preferred mail order services, compared to a $9 monthly copay at standard pharmacies. Tier 2 generic medications cost a $4 monthly copay at preferred pharmacies and preferred mail order, while standard pharmacies and standard mail order charge a $15 monthly copay. Tier 3 preferred brand drugs require a flat $47 copay per month across all pharmacy and mail order options. For higher-tier prescriptions, Tier 4 non-preferred drugs require 50% coinsurance, and Tier 5 specialty drugs require 29% coinsurance for a one-month supply. These cost-sharing details help you estimate your out-of-pocket expenses for medications under this PPO plan.
Additional Benefits
The HealthSpring True Choice Savings (PPO) plan offers comprehensive medical coverage with predictable out-of-pocket costs, including no copay for primary care visits and a $25 copay for specialist appointments. For hospital stays, members pay a $275 daily copay for days one through six and no copay for days seven through 90, while outpatient hospital services range from no copay up to a $325 copay. Emergency room visits carry a $115 copay, which is waived upon admission, and urgent care is available for a $40 copay. Supplemental benefits include preventive and comprehensive dental care with no copay up to a $1,000 annual limit, and vision services offering routine exams and a $150 annual eyewear allowance with no copay. Hearing services are covered with a $25 copay for exams and hearing aid copays starting at $399. Home health services are provided with no copay, whereas durable medical equipment and dialysis require a 20% coinsurance with no copay.
Inpatient Hospital See details
HealthSpring True Choice Savings (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $275 daily copay for days 1 through 6 and no copay for days 7 through 90. The benefit is partially covered since upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered, and prior authorization is required.
Outpatient Services See details
HealthSpring True Choice Savings (PPO) covers outpatient services with no coinsurance, offering ambulatory surgical center and blood services with no copay. Outpatient hospital services have a copay of $0 to $325 and no coinsurance, observation services require a $325 copay per stay and no coinsurance, and outpatient substance abuse sessions have a $35 copay and no coinsurance.
Partial Hospitalization See details
HealthSpring True Choice Savings (PPO) covers partial hospitalization services with a $105.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance services under HealthSpring True Choice Savings (PPO) are covered with a $210 copay and no coinsurance for ground transport, and a 20% coinsurance with no copay for air transport, both requiring prior authorization. Transportation services, including trips to plan-approved or any health-related locations, are not covered under this plan.
Emergency Services See details
HealthSpring True Choice Savings (PPO) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $40 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $115 copay and no coinsurance.
Primary Care See details
HealthSpring True Choice Savings (PPO) covers primary care visits with no copay and no coinsurance, and specialist, occupational, and physical therapy with a $25 copay and no coinsurance. Some chiropractic services are covered with a $15 copay and no coinsurance, but routine and other chiropractic services, as well as podiatry, are not covered. Additionally, some mental health and psychiatric services are covered with no copay and no coinsurance, though individual and group sessions are not covered.
Preventive Services See details
Preventive services are partially covered under the HealthSpring True Choice Savings (PPO) with no copay and no coinsurance for covered options like annual physical exams, kidney disease education, and fitness benefits. Non-covered services include health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management, alternative therapies, therapeutic massage, adult day health, nutritional benefits, palliative care, caregiver support, disease management, telemonitoring, and home safety modifications.
Hearing Services See details
Hearing services are covered by HealthSpring True Choice Savings (PPO), which includes routine hearing exams and fittings for a $25 copay and no coinsurance, and up to two OTC hearing aids per year for a $399 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $1,800, but inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
HealthSpring True Choice Savings (PPO) vision services are partially covered, offering one routine eye exam per year with a $0 to $25 copay and no coinsurance, though other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible, providing up to a $150 annual combined maximum benefit for contacts, lenses, and frames.
Dental Services See details
Dental services are covered by HealthSpring True Choice Savings (PPO), featuring Medicare-covered dental care for a $25 copay and no coinsurance. Other preventive and comprehensive dental services, including exams, cleanings, and implants, have no copay and no coinsurance up to a combined annual maximum of $1,000 for both in-network and out-of-network care.
Home Infusion bundled Services See details
HealthSpring True Choice Savings (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, radiation, and insulin, require a 0% to 20% coinsurance, with insulin drugs also carrying a $35 copay.
Dialysis Services See details
Dialysis Services are covered by HealthSpring True Choice Savings (PPO) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
HealthSpring True Choice Savings (PPO) covers medical equipment, including durable medical equipment and prosthetics, with no copay and a 20% coinsurance. Diabetic equipment is partially covered with no copay and a 20% coinsurance for therapeutic shoes and inserts, though diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HealthSpring True Choice Savings (PPO) with prior authorization required. Diagnostic tests carry a copay of $0 to $150 with no coinsurance, lab services have no copay or coinsurance, and radiological services range from a $15 copay for X-rays to a minimum 20% coinsurance for therapeutic radiology.
Home Health Services See details
HealthSpring True Choice Savings (PPO) covers Home Health Services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthSpring True Choice Savings (PPO) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services are all not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are partially covered by HealthSpring True Choice Savings (PPO) with no coinsurance, as additional days beyond the Medicare-covered limit are not covered. There is no copay for days 1 through 20, a $218 copay for days 21 through 100 per stay, and prior authorization is required.
Other Services See details
Other Services under the HealthSpring True Choice Savings (PPO) are partially covered, excluding acupuncture. Covered benefits include over-the-counter (OTC) items up to $35 every three months and a limited-duration meal benefit for qualifying medical conditions, both offered with no copay and no coinsurance.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved