HealthSpring Preferred Savings (HMO)

HealthSpring Preferred Savings (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2025 to people living in North Carolina. This plan received an overall rating of 4 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.

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 Preferred Savings (HMO) prescription drug plan features a $0 drug deductible, meaning your coverage begins immediately with no upfront out-of-pocket deductible costs. You will pay no copay for Tier 1 preferred generic drugs when filled through preferred pharmacies or preferred mail order. Tier 2 generic drugs are also highly affordable, starting at a $4 copay for a one-month supply at preferred locations and dropping to no copay for a three-month supply when using preferred mail order. For brand-name and specialty medications, costs are standardized across standard and preferred network pharmacies. Tier 3 preferred brand drugs carry a consistent $47 copay for a one-month supply. Tier 4 non-preferred drugs require a 50% coinsurance, while Tier 5 specialty drugs require a 33% coinsurance for a one-month supply.

Additional Benefits

The HealthSpring Preferred Savings (HMO) plan offers affordable access to essential medical care, featuring no copay and no coinsurance for primary care doctor visits, home health services, and preventive care. Specialist visits and outpatient substance abuse sessions require a $45 copay, while emergency room visits carry a $130 copay that is waived if you are admitted. For hospital stays, inpatient acute care requires a $375 daily copay for the first six days, after which there is no copay, and outpatient hospital services range from no copay up to a $375 copay. This plan also provides valuable supplemental coverage, including routine dental care with no copay up to a $500 annual maximum and eyewear covered with no copay up to a $200 annual limit. Routine hearing exams are available for a $25 copay, while hearing aids require copays ranging from $399 to $1,800. For specialized medical needs, members pay a 20% coinsurance for dialysis and durable medical equipment, while ground ambulance services require a $290 copay.