A non-government entity
HealthSpring Preferred Savings (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Preferred Savings (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Preferred Savings (HMO) in 2026, please refer to our full plan details page.
HealthSpring Preferred Savings (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2026 to people living in Kansas City. This plan received an overall rating of 3 out of 5 stars in 2026.
It's important to know that HealthSpring Preferred Savings (HMO) 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 Preferred Savings (HMO).
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 Preferred Savings (HMO), 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 $108.00. You must continue to pay paying your reduced 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 no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $6750.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
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 Preferred Savings (HMO)
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 Preferred Savings (HMO) prescription drug plan features a $0 drug deductible, allowing your coverage to start immediately. For Tier 1 preferred generic drugs, there is no copay when you use a preferred pharmacy or preferred mail order. Tier 2 generic drugs are also highly budget-friendly, costing a low $4 copay for a one-month supply at preferred pharmacies and no copay for a three-month preferred mail order supply. Tier 3 preferred brand drugs carry a flat $47 copay for a one-month supply at both standard and preferred pharmacies. For higher-tier medications, Tier 4 non-preferred drugs require a 50% coinsurance, while Tier 5 specialty drugs have a 33% coinsurance for a one-month supply. You can maximize your savings under this plan by utilizing preferred network pharmacies and mail-order services for your prescriptions.
Additional Benefits
The HealthSpring Preferred Savings (HMO) plan offers affordable access to essential medical services, featuring no copay and no coinsurance for primary care visits, home health care, and routine diagnostic lab tests or X-rays. For more intensive care, inpatient hospital stays require a $440 daily copay for the first several days before transitioning to no copay, while specialist visits and Medicare-covered dental services have a flat $45 copay. Emergency room visits incur a $130 copay, which is waived if you are admitted to the hospital within 24 hours. This plan also includes valuable supplemental coverage, such as no-copay preventive and comprehensive dental care up to a $500 annual limit and routine eyewear with no copay up to a $175 yearly maximum. Hearing exams are available with a $25 copay, while prescription hearing aids require copays between $399 and $1,800. For medical equipment and dialysis services, members will generally pay a 20% coinsurance with no copay.
Inpatient Hospital See details
HealthSpring Preferred Savings (HMO) covers inpatient hospital services with no coinsurance, though prior authorization is required. For acute stays, there is a $440 daily copay for days 1 to 6 and no copay for days 7 and beyond, whereas psychiatric stays require a $440 daily copay for days 1 to 5 and no copay for days 6 to 90. Upgrades and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by HealthSpring Preferred Savings (HMO) with no coinsurance, featuring a $0 to $425 copay for outpatient hospital services, a $425 copay per stay for observation services, and a $45 copay for substance abuse sessions. Ambulatory surgical center services and outpatient blood services are covered with no copay, though prior authorization is required for most outpatient benefits.
Partial Hospitalization See details
Partial hospitalization is covered by HealthSpring Preferred Savings (HMO) with a $105.00 copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
HealthSpring Preferred Savings (HMO) covers ground ambulance services with a $250 copay and air ambulance services with a 20% coinsurance, with prior authorization required for both. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
HealthSpring Preferred Savings (HMO) covers emergency services with a $130 copay and urgently needed services with a $50 copay, both featuring no coinsurance and waived fees if admitted to the hospital within 24 hours. Worldwide emergency, urgent, and transportation services are also covered with a $130 copay and no coinsurance, up to a maximum plan benefit of $50,000.
Primary Care See details
HealthSpring Preferred Savings (HMO) provides primary care physician services with no copay and no coinsurance, while specialist visits, physical therapy, occupational therapy, speech-language pathology, and opioid treatment require a $45 copay and no coinsurance. Additional telehealth benefits range from a $0 to $45 copay with no coinsurance, but podiatry, routine chiropractic, and mental health or psychiatric sessions are not covered.
Preventive Services See details
Preventive services under the HealthSpring Preferred Savings (HMO) are partially covered with no copay and no coinsurance for covered services like annual physical exams, caregiver support, and fitness benefits. However, several sub-services are not covered, including health education, in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, weight management, alternative therapies, therapeutic massage, adult day health, nutritional/dietary benefits, home-based palliative care, in-home support, additional smoking cessation, enhanced disease management, telemonitoring, remote access technologies, home/bathroom safety devices, and counseling.
Hearing Services See details
HealthSpring Preferred Savings (HMO) covers hearing services, featuring a $25 copay and no coinsurance for annual routine hearing exams and fittings. Prescription hearing aids are partially covered with a copay between $399 and $1,800 and no coinsurance for up to two devices yearly, excluding inner ear, outer ear, and over the ear types. OTC hearing aids are covered with a $399 copay and no coinsurance for up to two devices per year.
Vision Services See details
HealthSpring Preferred Savings (HMO) partially covers vision services with no deductibles or coinsurance, though other eye exam services are not covered. Routine eye exams are covered with a $0 to $45 copay (one per year), and eyewear is covered with no copay up to a $175 annual maximum.
Dental Services See details
Dental services are covered under the HealthSpring Preferred Savings (HMO) plan, featuring a $45 copay and no coinsurance for Medicare-covered dental care. Other preventive and comprehensive dental services, including cleanings, exams, and implants, are covered with no copay and no coinsurance up to a $500 annual maximum.
Home Infusion bundled Services See details
HealthSpring Preferred Savings (HMO) covers home infusion bundled services with no copay and no coinsurance, subject to prior authorization. Under this benefit, Medicare Part B chemotherapy, radiation, and other drugs have no copay and 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 under the HealthSpring Preferred Savings (HMO) plan with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
HealthSpring Preferred Savings (HMO) partially covers medical equipment with no copay and a 20% coinsurance, although prior authorization is required. Covered items include durable medical equipment, prosthetics, medical supplies, and diabetic therapeutic shoes, but diabetic supplies are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by HealthSpring Preferred Savings (HMO) with no coinsurance and no copay for lab services, and a $0 to $50 copay for diagnostic procedures. Outpatient X-rays have no copay, therapeutic radiological services require a minimum 20% coinsurance, and prior authorization is required for all services.
Home Health Services See details
Home health services are covered by the HealthSpring Preferred Savings (HMO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by HealthSpring Preferred Savings (HMO) with no coinsurance and require prior authorization; however, only some services are covered as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by HealthSpring Preferred Savings (HMO) with no coinsurance, requiring a $10 daily copay for days 1 to 20 and a $218 daily copay for days 21 to 100. Prior authorization is required, and additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
Other Services are not covered under the HealthSpring Preferred Savings (HMO) plan, meaning there is no coverage, copay, or coinsurance for acupuncture, over-the-counter (OTC) items, and meal benefits.
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