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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 St. Louis. This plan received an overall rating of 3 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 $58.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $200.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $200.00 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 $6050.00 (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 $6050.00 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:
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Drug Coverage
The HealthSpring True Choice Savings (PPO) plan features a $200 annual drug deductible, offering affordable coverage options for prescription medications. For Tier 1 preferred generic drugs, members pay no copay when using a preferred pharmacy or preferred mail-order service. Tier 2 generic drugs are also highly affordable, costing as little as a $4 copay for a one-month supply at preferred pharmacies, or even no copay for a three-month supply through preferred mail order. Tier 3 preferred brand-name drugs have a flat $47 monthly copay across all standard and preferred pharmacy channels. Higher-tier medications require coinsurance rather than flat copays, with Tier 4 non-preferred drugs carrying a 50% coinsurance and Tier 5 specialty drugs requiring a 30% coinsurance for a one-month supply. This structure helps beneficiaries easily estimate their out-of-pocket prescription costs under this PPO plan.
Additional Benefits
The HealthSpring True Choice Savings (PPO) plan offers robust coverage for essential medical services, featuring no copay and no coinsurance for primary care visits, annual physicals, and home health services. For specialized care, members pay no coinsurance and a predictable $45 copay for specialist visits, physical therapy, and occupational therapy. Inpatient hospital stays require a daily copay of $280 for the first five days of acute stays, while emergency room visits carry a $130 copay, which is waived if you are admitted. This plan also includes valuable supplemental benefits, such as preventive and comprehensive dental care with no copay up to a $1,050 annual limit, and routine vision exams with copays ranging from no copay to $45. Routine hearing exams are available for a $25 copay, and prescription hearing aids are covered with copays between $399 and $1,800. Additionally, diagnostic lab services and home infusions require no copay, while durable medical equipment and dialysis services are covered with no copay and a 20% coinsurance.
Inpatient Hospital See details
HealthSpring True Choice Savings (PPO) covers inpatient hospital services with no coinsurance, requiring a $280 daily copay for days 1 through 5 of acute stays and a $285 daily copay for days 1 through 5 of psychiatric stays, with no copay for subsequent days. Unlimited additional days are covered for acute stays, but upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
HealthSpring True Choice Savings (PPO) covers outpatient services with no coinsurance, including ambulatory surgical center and outpatient blood services with no copay. Outpatient hospital services require a copay of $0 to $260, observation services have a $260 copay per stay, and outpatient substance abuse sessions carry a $45 copay.
Partial Hospitalization See details
HealthSpring True Choice Savings (PPO) covers partial hospitalization services with an $85.00 copay and no coinsurance. Prior authorization is required for this covered benefit.
Ambulance and Transportation Services See details
HealthSpring True Choice Savings (PPO) covers ground ambulance services with a $230 copay and air ambulance services with a 20% coinsurance, both requiring prior authorization. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HealthSpring True Choice Savings (PPO) covers emergency services with a $130 copay and urgently needed services with a $50 copay, both with 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 limit with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring True Choice Savings (PPO) covers primary care physician services with no copay and no coinsurance, while specialists, occupational therapy, and physical therapy require a $45 copay and no coinsurance. Telehealth and other health professional services feature copays up to $45 and no coinsurance, but podiatry is not covered, and chiropractic, mental health, and psychiatric sessions are not covered in practice.
Preventive Services See details
HealthSpring True Choice Savings (PPO) offers partially covered preventive services with no copay and no coinsurance for covered benefits like annual physicals, kidney disease education, and fitness programs. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, weight management programs, and alternative therapies.
Hearing Services See details
HealthSpring True Choice Savings (PPO) covers routine hearing exams and fitting evaluations for a $25 copay and no coinsurance. OTC hearing aids require a $399 copay and no coinsurance, while prescription hearing aids are partially covered with a $399 to $1,800 copay and no coinsurance, excluding inner ear, outer ear, and over the ear models which are not covered.
Vision Services See details
HealthSpring True Choice Savings (PPO) provides partially covered vision services, as other eye exam services are not covered. Routine eye exams are covered with a $0 to $45 copay and no coinsurance, while eyewear has no copay and no coinsurance up to a combined maximum benefit of $150 per year for contact lenses or one pair of eyeglasses.
Dental Services See details
HealthSpring True Choice Savings (PPO) covers Medicare-covered dental services with a $45 copay and no coinsurance, while other preventive and comprehensive dental services are covered with no copay and no coinsurance. These dental benefits are subject to a combined in-network and out-of-network maximum benefit of $1,050 every year.
Home Infusion bundled Services See details
HealthSpring True Choice Savings (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs under this benefit require no copay and a coinsurance ranging from no coinsurance up to 20%, while covered Part B insulin drugs have a $35 copay and coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
Dialysis Services are covered under the HealthSpring True Choice Savings (PPO) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
HealthSpring True Choice Savings (PPO) covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes, subject to prior authorization. This benefit is partially covered, as diabetic supplies are not covered by the plan.
Diagnostic and Radiological Services See details
HealthSpring True Choice Savings (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Members pay no copay for lab services, a $10 copay for outpatient X-rays, copays ranging from $0 to $60 for diagnostic tests, and a minimum $85 copay for therapeutic radiological services.
Home Health Services See details
Home Health Services are covered by HealthSpring True Choice Savings (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by HealthSpring True Choice Savings (PPO) with no copay, no coinsurance, and a prior authorization requirement. However, only some services are covered, as standard cardiac, intensive cardiac, pulmonary, and SET for PAD services are not covered by the plan.
Skilled Nursing Facility (SNF) See details
HealthSpring True Choice Savings (PPO) covers skilled nursing facility (SNF) services with no coinsurance, requiring prior authorization and a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. A prior three-day inpatient hospital stay is not required for admission, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
HealthSpring True Choice Savings (PPO) indicates some services are covered under the other services benefit, but acupuncture, over-the-counter (OTC) items, and meal benefits are not covered.
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