A non-government entity
HealthSpring Courage (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for HealthSpring Courage (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on HealthSpring Courage (HMO) in 2026, please refer to our full plan details page.
HealthSpring Courage (HMO) is a HMO plan offered by Health Care Service Corporation available for enrollment in 2026 to people living in Richmond. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that HealthSpring Courage (HMO) is a Medicare Advantage (MA) Plan without drug coverage. That means that this plan covers medical services but doesn't cover prescription drugs. If you are looking for a plan with prescription drug coverage, please search for other MA and PDP plans offered in your area.
Key Plan Facts
Below are a few key facts and commonly-asked questions about HealthSpring Courage (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 Courage (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 $60.00. 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.
Drugs are not covered by this plan, so a prescription drug deductible is not applicable.
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:
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Drug Coverage
Prescription drugs are not covered by HealthSpring Courage (HMO).
Additional Benefits
The HealthSpring Courage (HMO) plan offers robust medical coverage featuring no copay and no coinsurance for primary care visits, home health services, and preventive care. Specialty care, physical therapy, and mental health visits require a $45 copay, while inpatient hospital stays incur daily copays for the first few days before transitioning to no copay. Outpatient services generally feature no coinsurance, with copays ranging from no copay up to $290 depending on the specific procedure. For supplemental care, the plan provides comprehensive dental benefits up to $1,150 annually and routine eyewear up to $200 per year with no copay or coinsurance. Urgent and emergency care require copays of $50 and $130 respectively, which are waived upon hospital admission, and emergency coverage extends worldwide up to $50,000. Vision exams, hearing aids, and diagnostic services are also covered under varying copays and coinsurance rates to help manage your out-of-pocket expenses.
Inpatient Hospital See details
HealthSpring Courage (HMO) partially covers inpatient hospital services with no coinsurance, excluding upgrades and non-Medicare-covered stays. Acute stays require a $315 daily copay for days 1 through 6 and no copay for days 7 through 90, while psychiatric stays require a $595 daily copay for days 1 through 3 and no copay for days 4 through 90.
Outpatient Services See details
HealthSpring Courage (HMO) covers outpatient services with no coinsurance, featuring no copay for ambulatory surgical center and outpatient blood services. Outpatient hospital services have a copay ranging from $0 to $290, observation services require a $290 copay per stay, and outpatient substance abuse sessions carry a $45 copay.
Partial Hospitalization See details
Partial hospitalization is covered by HealthSpring Courage (HMO) with a $140.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and transportation services are covered by HealthSpring Courage (HMO), featuring a $245 copay for ground ambulance services and a 20% coinsurance for air ambulance services, with prior authorization required. While some transportation services are covered, transport to plan-approved or any health-related locations is not covered.
Emergency Services See details
HealthSpring Courage (HMO) covers emergency services with a $130 copay and no coinsurance, and urgently needed services with a $50 copay and no coinsurance, with both copays waived if admitted to the hospital within 24 hours. Worldwide emergency, urgent, and transportation services are also covered up to a $50,000 maximum benefit with a $130 copay and no coinsurance per service.
Primary Care See details
HealthSpring Courage (HMO) provides primary care physician services with no copay and no coinsurance, while specialist, physical therapy, and mental health services require a $45 copay and no coinsurance. Telehealth options are available with a $0 to $45 copay and no coinsurance, but chiropractic and podiatry services are not covered.
Preventive Services See details
HealthSpring Courage (HMO) covers preventive services, including annual physical exams, kidney disease education, and fitness benefits, with no copay and no coinsurance. However, the benefit is only partially covered, as many additional services like health education, weight management, and in-home safety assessments are not covered.
Hearing Services See details
HealthSpring Courage (HMO) covers hearing services, including routine exams and fitting evaluations for a $30 copay and no coinsurance. Prescription hearing aids are partially covered with copays ranging from $399 to $1,800 and no coinsurance, though inner ear, outer ear, and over the ear models are not covered. Up to two OTC hearing aids are also covered annually with a $399 copay and no coinsurance.
Vision Services See details
HealthSpring Courage (HMO) provides partially covered vision services, featuring routine eye exams with a $0 to $50 copay, no coinsurance, and no deductible, though other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible, up to a $200 yearly limit for contacts, eyeglasses, frames, lenses, and upgrades.
Dental Services See details
Dental services are covered by HealthSpring Courage (HMO), which offers Medicare-covered dental care for a $45 copay and no coinsurance. Other comprehensive dental services, including preventive, diagnostic, restorative, and surgical care, are available with no copay and no coinsurance up to a maximum annual benefit of $1,150.
Home Infusion bundled Services See details
HealthSpring Courage (HMO) covers home infusion bundled services with no copay, though prior authorization and step therapy are required. Under this benefit, Medicare Part B drugs, such as chemotherapy, radiation, and insulin, carry no coinsurance up to 20% coinsurance, with insulin also requiring a $35 copay.
Dialysis Services See details
HealthSpring Courage (HMO) covers dialysis services with no copay and a 20% coinsurance, although prior authorization is required.
Medical Equipment See details
HealthSpring Courage (HMO) covers medical equipment with no copay, though prior authorization is required for all categories. Durable medical equipment, prosthetics, and medical supplies are covered with a 15% coinsurance, while diabetic therapeutic shoes and inserts carry a 20% coinsurance; however, diabetic supplies are not covered.
Diagnostic and Radiological Services See details
HealthSpring Courage (HMO) covers diagnostic services with no coinsurance, featuring no copay for lab services and up to a $95 copay for diagnostic procedures. Covered radiological services require prior authorization and feature no copay for outpatient X-rays and diagnostic radiology, while therapeutic radiology requires a copay and a minimum 20% coinsurance.
Home Health Services See details
HealthSpring Courage (HMO) covers home health services with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are covered by HealthSpring Courage (HMO) with no coinsurance and a $25 copay, though some services are covered while standard 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 Courage (HMO) with no coinsurance, requiring daily copayments of $10 for days 1 through 20, $218 for days 21 through 60, and no copay for days 61 through 100. Prior authorization is required, and additional days beyond the standard 100 Medicare-covered days are not covered.
Other Services See details
Other services are partially covered by HealthSpring Courage (HMO), which includes a meal benefit for chronic illnesses or recovery at home with no copay and no coinsurance. Acupuncture and over-the-counter (OTC) items are not covered under this benefit.
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