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 Lehigh Valley/Philadelphia. 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) Medicare prescription drug plan features an annual drug deductible of $250. Under this plan, Tier 1 preferred generic drugs have no copay when filled at a preferred pharmacy or through preferred mail order. For Tier 2 generic drugs, copays start at $5 for a one-month supply at preferred locations, and there is no copay for a three-month supply filled via preferred mail order. Tier 3 preferred brand drugs carry a consistent $47 copay for a one-month supply across all pharmacy and mail order options. Higher-tier medications require coinsurance rather than a flat copay, with Tier 4 non-preferred drugs requiring 50% coinsurance and Tier 5 specialty drugs requiring 30% coinsurance for a one-month supply. Utilizing preferred pharmacies and mail order services offers the most cost-effective rates for your generic prescriptions.

Additional Benefits

The HealthSpring True Choice (PPO) plan offers comprehensive coverage with no copay for primary care visits, home health services, and preventive care like annual physicals. For specialized medical care, members pay a $40 copay for specialists and outpatient mental health services, while inpatient hospital stays require a $345 daily copay for the first six days followed by no copay for days 7 through 90. Emergency room visits carry a $115 copay, which is waived if you are admitted, and urgent care services are available for a $40 copay. Ancillary benefits include preventive and comprehensive dental care with no copay up to a $600 annual limit, alongside routine vision exams and a $100 allowance for eyewear with no copay. Hearing services feature routine exams for a $25 copay and coverage for hearing aids, while select diagnostic lab tests and home infusion services are also provided with no copay. Additionally, durable medical equipment and dialysis services require a 20% coinsurance with no copay, and eligible members receive a meal benefit and a $35 quarterly over-the-counter item allowance.