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HealthSpring True Choice (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring True Choice (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 (PPO) in 2026, please refer to our full plan details page.
HealthSpring True Choice (PPO) is a PPO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in Arkansas. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that HealthSpring True Choice (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 (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 (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.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
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 $9550.00 (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 $9550.00 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 (PPO)
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Drug Coverage
The HealthSpring True Choice (PPO) plan features an Enhanced Alternative drug benefit with a $300 prescription drug deductible. After meeting this deductible, you enter the initial coverage phase where you pay copays or coinsurance for your medications until your total drug costs reach $2,100. If you qualify for the low-income subsidy, you will have no copay for your Part D premium. During the initial phase, a 30-day supply of Tier 1 preferred generics costs an $8 copay at preferred pharmacies or a $20 copay at standard pharmacies, while Tier 2 standard generics require a $47 copay. Tier 3 preferred brands and Tier 4 non-preferred drugs require 50% and 29% coinsurance, respectively. Once your yearly out-of-pocket costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The HealthSpring True Choice (PPO) plan offers extensive medical coverage with no coinsurance for inpatient hospital stays, outpatient services, and emergency care. Inpatient hospital stays require a daily copay of $370 for acute care and $345 for psychiatric care for the first six days, followed by no copay for days 7 through 90. Emergency room visits carry a $115 copay, while primary care and specialist doctor visits range from no copay to a $40 copay. Additional benefits include no copay for annual preventive exams, dental care up to a $550 annual limit, and routine eyewear up to a $175 yearly maximum. Routine hearing exams require a $20 copay, while dialysis and durable medical equipment require a 20% coinsurance with no copay. The plan also features a fifty dollar quarterly over-the-counter allowance and home health care, though cardiac rehabilitation and routine transportation services are not covered.
Inpatient Hospital See details
HealthSpring True Choice (PPO) partially covers inpatient hospital services with no coinsurance, charging a $370 daily copay for days 1 to 6 of acute care and a $345 daily copay for days 1 to 6 of psychiatric care, with no copay for days 7 to 90. Upgrades, non-Medicare-covered stays, and additional days for both acute and psychiatric care are not covered.
Outpatient Services See details
HealthSpring True Choice (PPO) covers outpatient services with no coinsurance, including no copay for ambulatory surgical center and blood services. Patients will pay a $40 copay for outpatient substance abuse sessions, and copays ranging from $0 to $425 for outpatient hospital and observation services.
Partial Hospitalization See details
HealthSpring True Choice (PPO) covers partial hospitalization benefits with a $105 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
HealthSpring True Choice (PPO) partially covers ambulance and transportation services, as transportation services to plan-approved or any health-related locations are not covered. Covered ground ambulance services require a $260 copay with no coinsurance, while air ambulance services require a 20% coinsurance with no copay, with prior authorization required for both.
Emergency Services See details
HealthSpring True Choice (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 limit with a $115 copay and no coinsurance.
Primary Care See details
HealthSpring True Choice (PPO) provides partially covered Primary Care benefits with no coinsurance, featuring copays ranging from no copay to $40 for services like telehealth, specialists, and physical therapy. However, podiatry, routine chiropractic care, mental health specialty sessions, and psychiatric sessions are not covered.
Preventive Services See details
HealthSpring True Choice (PPO) covers preventive services, including annual physical exams, kidney disease education, and Medicare-covered zero-dollar preventive services with no copay and no coinsurance. Additional preventive benefits are partially covered, as physical and memory fitness programs are included, but sub-services such as health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
Hearing services are partially covered by HealthSpring True Choice (PPO), featuring annual routine hearing exams and fitting evaluations for a $20 copay and no coinsurance. Over-the-counter hearing aids require a $399 copay with no coinsurance, and covered prescription hearing aids have a copay ranging from $399 to $1,800 with no coinsurance, though inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered by HealthSpring True Choice (PPO), including one annual routine eye exam with a copay ranging from $0 to $40 and no coinsurance. The plan also covers eyewear, including lenses, frames, and contacts, with no copay or coinsurance up to a combined maximum benefit of $175 per year.
Dental Services See details
HealthSpring True Choice (PPO) covers Medicare dental services with a $40 copay and no coinsurance, though prior authorization is required. Other preventive and comprehensive dental services are covered up to a $550 annual maximum for both in-network and out-of-network care, with no copays or coinsurance specified.
Home Infusion bundled Services See details
HealthSpring True Choice (PPO) covers home infusion bundled services with prior authorization, requiring no copay and ranging from no coinsurance to 20% coinsurance for chemotherapy, radiation, and other Part B drugs. Medicare Part B insulin drugs are covered under this benefit with a $35 copay and ranging from no coinsurance to 20% coinsurance.
Dialysis Services See details
HealthSpring True Choice (PPO) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
HealthSpring True Choice (PPO) partially covers medical equipment with a 20% coinsurance and no copay for durable medical equipment, prosthetic devices, medical supplies, and diabetic therapeutic shoes. Diabetic supplies are not covered, and prior authorization is required for covered equipment.
Diagnostic and Radiological Services See details
HealthSpring True Choice (PPO) covers diagnostic and radiological services with no coinsurance, although prior authorization is required. Lab services and some diagnostic or radiological services have no copay, while other diagnostic tests cost up to $150, diagnostic radiology costs up to $225, therapeutic radiology costs $60, and outpatient X-rays require a $50 copay.
Home Health Services See details
Home Health Services are covered under the HealthSpring True Choice (PPO) plan, though prior authorization is required to access these benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the HealthSpring True Choice (PPO) plan. This lack of coverage applies to all sub-services, including standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD).
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) benefits are partially covered by HealthSpring True Choice (PPO), as additional days beyond the Medicare-covered limit are not covered. Covered stays require prior authorization and have no coinsurance, featuring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100.
Other Services See details
Other Services are partially covered by HealthSpring True Choice (PPO), which includes a meal benefit for qualifying medical conditions and a fifty dollar quarterly allowance for over-the-counter items. Acupuncture and Dual Eligible SNPs with Highly Integrated Services are not covered under this benefit.
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