HealthSpring True Choice (PPO)

HealthSpring True Choice (PPO) is a PPO plan offered by Health Care Service Corporation available for enrollment in 2026 to people living in Alabama. 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.

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:

Drug Coverage

The HealthSpring True Choice (PPO) plan features an Enhanced Alternative drug benefit with a $250 prescription drug deductible. During the initial coverage phase, Tier 1 preferred generic drugs cost a $5 copay at preferred pharmacies or a $20 copay at standard pharmacies, while Tier 2 standard generic drugs carry a $47 copay. Tier 3 preferred brand drugs and Tier 4 non-preferred drugs require a 50% and 30% coinsurance, respectively, until your total drug costs reach $2,100. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs. Additionally, beneficiaries who qualify for the low-income subsidy will pay no premium for their Part D coverage under this plan.

Additional Benefits

The HealthSpring True Choice (PPO) plan offers affordable medical coverage with predictable out-of-pocket costs, featuring no copay for primary care visits up to a $40 copay, and no copay for Medicare-covered preventive services. For hospital stays, members pay a $345 daily copay for the first four days of inpatient care, while outpatient hospital services range from no copay up to a $375 copay. Emergency care is accessible with a $115 copay, and skilled nursing facility stays require no copay for the first 20 days. This plan also includes essential extra benefits like dental care, which offers preventive and diagnostic services with no copay up to a $500 annual limit, and vision care providing a $150 annual eyewear allowance with no copay or deductible. Hearing services are partially covered, including routine exams for a $20 copay and hearing aid options starting at a $399 copay. Additionally, members pay a 20% coinsurance with no copay for durable medical equipment and dialysis services, alongside receiving a $25 quarterly allowance for over-the-counter items.