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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 Chicago. 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 $50.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $175.00 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 $5950.00 (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 $5950.00 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. For Tier 1 preferred generic and Tier 2 generic medications, there is no copay when filled at preferred pharmacies or through preferred mail order. Standard pharmacies and standard mail order options require a copay starting at $5 for Tier 1 and $10 for Tier 2 drugs. Tier 3 preferred brand drugs require a $47 copay for a one-month supply across all pharmacy and mail-order options. Tier 4 non-preferred drugs carry a 50% coinsurance, while Tier 5 specialty drugs require a 30% coinsurance for a one-month supply. This drug plan structure offers cost savings for members who utilize preferred network pharmacies and mail-order services.
Additional Benefits
The HealthSpring True Choice Savings (PPO) plan offers comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. For specialized care, members pay a $50 copay for specialist visits, while emergency room visits carry a $130 copay that is waived if admitted. Inpatient hospital stays require a daily copay of $250 for the first seven days, followed by no copay for days eight through 90. Routine dental services and eyewear are covered with no copay, subject to annual benefit limits of $700 and $175 respectively. Routine hearing exams require a $30 copay, and hearing aids are covered with copays starting at $399. For medical equipment and dialysis services, members can expect no copay and a 20% coinsurance.
Inpatient Hospital See details
HealthSpring True Choice Savings (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a daily copay of $250 for days 1 through 7 and no copay for days 8 through 90. This benefit is partially covered because additional days, upgrades, and non-Medicare-covered stays are not covered, and prior authorization is required.
Outpatient Services See details
HealthSpring True Choice Savings (PPO) covers outpatient services with no coinsurance, featuring copayments ranging from $0 to $245 for outpatient hospital services, $245 per stay for observation services, and $50 for substance abuse sessions. There is no copay or coinsurance for ambulatory surgical center services and outpatient blood services, though prior authorization is required for some services.
Partial Hospitalization See details
Partial hospitalization is covered under the HealthSpring True Choice Savings (PPO) plan with a $100 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HealthSpring True Choice Savings (PPO), which features a $230 copay (no coinsurance) for ground ambulance services and a 20% coinsurance (no copay) for air ambulance services. Prior authorization is required for ambulance services, and routine transportation to health-related locations is not covered.
Emergency Services See details
HealthSpring True Choice Savings (PPO) emergency services are covered with a $130 copay and no coinsurance, with the copay waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $50 copay and no coinsurance, and worldwide emergency, urgent, and transportation services are covered up to a $50,000 maximum with a $130 copay and no coinsurance.
Primary Care See details
HealthSpring True Choice Savings (PPO) covers primary care with no copay and no coinsurance, specialist visits with a $50 copay and no coinsurance, and therapy services with a $45 copay and no coinsurance. Podiatry is not covered, and while some services are covered for chiropractic, psychiatric, and mental health benefits, routine chiropractic care, other chiropractic services, and individual or group sessions are excluded.
Preventive Services See details
HealthSpring True Choice Savings (PPO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and a fitness benefit. This benefit is partially covered because several supplemental services, such as health education, weight management, and in-home safety assessments, are not covered.
Hearing Services See details
HealthSpring True Choice Savings (PPO) covers annual routine hearing exams and fittings for a $30 copay, no deductible, and no coinsurance. Up to two hearing aids are covered per year with no coinsurance, featuring a $399 copay for OTC models and copays from $399 to $1,800 for prescription models, though inner ear, outer ear, and over the ear prescription aids are not covered.
Vision Services See details
HealthSpring True Choice Savings (PPO) provides partially covered vision services, which include one routine eye exam per year with a $0 to $50 copay and no coinsurance, though other eye exam services are not covered. Eyewear is covered with no deductible, no copay, and no coinsurance up to a $175 combined annual limit for contacts, lenses, frames, and upgrades.
Dental Services See details
Dental services under HealthSpring True Choice Savings (PPO) are covered with a $50 copay and no coinsurance for Medicare-covered dental care, while other preventive and comprehensive services have no copay and no coinsurance. These additional dental services are subject to a combined in-network and out-of-network maximum plan benefit of $700 every year.
Home Infusion bundled Services See details
Home infusion bundled services are covered by HealthSpring True Choice Savings (PPO) with no copay, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance of 0% to 20%, with insulin also requiring 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, prosthetics, and medical supplies, with no copay and a 20% coinsurance, though prior authorization is required. Diabetic equipment is partially covered under this plan, offering no copay and a 20% coinsurance for therapeutic shoes and inserts, while diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HealthSpring True Choice Savings (PPO), though prior authorization is required. Lab services and diagnostic radiological services have no copay or coinsurance, while diagnostic procedures have a $0 to $50 copay with no coinsurance, outpatient x-rays require a $25 copay, and therapeutic radiological services have a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by HealthSpring True Choice Savings (PPO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services under HealthSpring True Choice Savings (PPO) require a $10 copay and no coinsurance, with prior authorization required. While the benefit is technically covered, only some services are covered in practice, and cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
HealthSpring True Choice Savings (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring a daily copay of $10 for days 1 through 20 and $218 for days 21 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
HealthSpring True Choice Savings (PPO) partially covers other services, offering a meal benefit with no copay and no coinsurance for enrollees with chronic illnesses or medical conditions requiring them to remain at home. Acupuncture and over-the-counter (OTC) items are not covered under this plan.
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