A non-government entity
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 2026 to people living in Oklahoma City. 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. Additionally, this plan comes with a Part B Premium reduction of $5.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan has a $250.00 health deductible. This means, every calendar year, you pay this amount towards covered services before your insurance coverage kicks in.
This plan has a $250.00 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 $11000.00 (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 $11000.00 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)
Need help deciding? Talk with one of our licensed insurance specialists 1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
Drug Coverage
The HealthSpring True Choice (PPO) Medicare prescription drug plan features an annual drug deductible of $250. For Tier 1 preferred generic drugs, you will pay no copay when using a preferred pharmacy or preferred mail-order service. Tier 2 generic medications cost as low as a $5 copay for a one-month supply at preferred locations, with no copay for a three-month supply filled through preferred mail order. Tier 3 preferred brand-name drugs require a flat $47 copay for a one-month supply across all pharmacy and mail-order options. Higher-tier medications carry coinsurance costs, with Tier 4 non-preferred drugs requiring 50% coinsurance and Tier 5 specialty drugs requiring 30% coinsurance for a one-month supply. Choosing preferred pharmacies and mail-order services with this plan helps maximize your savings on prescription drug costs.
Additional Benefits
The HealthSpring True Choice (PPO) plan provides comprehensive medical coverage with no copay for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $250 daily copay for days 1 through 6 and no copay for days 7 through 90, while skilled nursing facility care is covered with no copay for the first 20 days. Outpatient services and specialist visits are also highly accessible, requiring flat copayments and no coinsurance. In addition to core medical care, this plan features valuable dental, vision, and hearing benefits, including preventive dental care with no copay up to a $550 annual limit. Routine eye exams and eyewear are covered with no copay up to $100 yearly, while routine hearing exams require a $25 copay. For specialized needs, durable medical equipment and dialysis require a 20% coinsurance, and members receive a $30 quarterly allowance for over-the-counter items with no copay.
Inpatient Hospital See details
HealthSpring True Choice (PPO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 daily copay for days 1 through 6 and no copay for days 7 through 90 per admission. The benefit is partially covered because additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
HealthSpring True Choice (PPO) covers outpatient services with no coinsurance, featuring a $0 to $375 copay for outpatient hospital services and a $375 copay per stay for observation services. Ambulatory surgical center and outpatient blood services require no copay and no coinsurance, while outpatient substance abuse sessions have a $40 copay and no coinsurance.
Partial Hospitalization See details
Partial hospitalization is covered under the HealthSpring True Choice (PPO) plan with a $105.00 copay and no coinsurance. Prior authorization is required for this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HealthSpring True Choice (PPO), offering ground ambulance services for a $275 copay and air ambulance services for a 20% coinsurance, with prior authorization required for both. While some transportation services are covered, transportation to plan-approved or any other health-related locations is not covered.
Emergency Services See details
HealthSpring True Choice (PPO) covers emergency services with a $115 copay and no coinsurance, and urgently needed services with a $40 copay and no coinsurance, with both copays waived if you are admitted to the hospital within 24 hours. Worldwide emergency, urgent, and transportation services are also covered with a $115 copay and no coinsurance, up to a maximum plan benefit of $50,000.
Primary Care See details
HealthSpring True Choice (PPO) offers primary care doctor visits with no copay and no coinsurance, while specialists, mental health, psychiatric, and opioid treatment services require a $40 copay and no coinsurance. Physical and occupational therapy have a $35 copay and no coinsurance, telehealth services range from a $0 to $40 copay with no coinsurance, and chiropractic and podiatry services are not covered.
Preventive Services See details
HealthSpring True Choice (PPO) preventive services are partially covered with no copay and no coinsurance for annual physical exams, kidney disease education, and fitness benefits. However, several additional services such as health education, in-home safety assessments, personal emergency response systems, and medical nutrition therapy are not covered.
Hearing Services See details
HealthSpring True Choice (PPO) offers routine hearing exams and fitting evaluations for a $25 copay and no coinsurance, alongside OTC hearing aids for a $399 copay and no coinsurance. Prescription hearing aids are partially covered with no coinsurance and copays ranging from $399 to $1,800, though inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
HealthSpring True Choice (PPO) offers partially covered vision services, featuring one annual routine eye exam with a $0 to $40 copay, no coinsurance, and no deductible, while other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible up to a combined maximum benefit of $100 per year for contacts, frames, lenses, and upgrades.
Dental Services See details
Dental services are covered by HealthSpring True Choice (PPO), which features Medicare-covered dental care for a $40 copay and no coinsurance. Other preventive and comprehensive dental services are covered with no copay and no coinsurance, up to a combined yearly maximum of $550 for both in-network and out-of-network services.
Home Infusion bundled Services See details
HealthSpring True Choice (PPO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy, radiation, and other drugs, carry a coinsurance ranging from no coinsurance to 20% coinsurance, while Part B insulin drugs require a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by HealthSpring True Choice (PPO) with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
HealthSpring True Choice (PPO) partially covers medical equipment with no copay and a 20% coinsurance for durable medical equipment, prosthetics, and diabetic therapeutic shoes, though prior authorization is required. Diabetic supplies are not covered under this benefit, and diabetic equipment is limited to specified manufacturers.
Diagnostic and Radiological Services See details
HealthSpring True Choice (PPO) covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Under this plan, lab services have no copay, diagnostic procedures range from a $0 to $150 copay, outpatient X-rays require a $50 copay, and therapeutic radiology copays start at $60.
Home Health Services See details
Home health services are covered by HealthSpring True Choice (PPO) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under HealthSpring True Choice (PPO), as cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation services are all not covered by the plan.
Skilled Nursing Facility (SNF) See details
HealthSpring True Choice (PPO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other services covered by HealthSpring True Choice (PPO) include over-the-counter (OTC) items and a limited-duration meal benefit with no copay and no coinsurance, though acupuncture is not covered. The plan provides a $30 allowance every three months for OTC items and meal benefits for members with qualifying chronic or medical conditions.
Get Personalized Help from a licensed insurance agent
1-877-649-2073 / TTY 711. 8am-11pm EST. 7 days a week
*/SMID: MULTIPLAN_HCIHNMEDADVRX25_HCI_M
MedicareAdvantageRX.com is owned and operated by Dog Media Solutions LLC.
This is a promotional communication.
Every year, Medicare evaluates plans based on a 5-star rating system.
Part B premium reduction is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.
* Benefit(s) mentioned may be part of a special supplemental program for chronically ill members with one of the following conditions: Diabetes mellitus, Cardiovascular disorders, Chronic and disabling mental health conditions, Chronic lung disorders, Chronic heart failure. This is not a complete list of qualifying conditions. Having a qualifying condition alone does not mean you will receive the benefit(s). Other requirements may apply.
Enrollment in Medicare/Medicare Advantage may be limited to certain times of the year unless you qualify for a Special Enrollment Period
We do not offer every plan available in your area. Currently, we represent 18 organizations, which offer 52,101 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We represent Medicare Advantage HMO, PPO and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Please contact Medicare.gov ,1-800-MEDICARE , or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare has neither approved nor endorsed any information on this site.
Speak with a licensed insurance agent: 1-877-649-2073 / TTY 711 | 8am - 11pm ET | 7 days a week
© 2023 Dog Media Solutions LLC. All rights reserved