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Carrier Spotlight: HealthSpring

Mar 16, 2026

Carrier Spotlight: HealthSpring – Osvaldo Gonzales, Broker Sales Manager, shared some key highlights of the 2026 HealthSpring Medicare Advantage plans!

HealthSpring Preferred (HMO)
Best fit: Members seeking comprehensive coverage with predictable cost‑sharing

  • $0 monthly premium
  • PCP visits: $0 copay
  • Specialist visits: $15 copay
  • Inpatient hospital: $50/day (Days 1–5), $0 thereafter
  • Annual MOOP: $3,200
  • Dental: Annual allowance up to $3,750 (preventive & comprehensive)
  • Vision: $0 routine exam + $300 eyewear allowance
  • Hearing: Routine exam $0; hearing aids available (copay applies)
  • Part D: $200 deductible (Tier 3–5 only); insulin capped at $35/month
  • Care model: PCP‑directed HMO with referrals and prior authorization

HealthSpring Preferred Savings (HMO)
Best fit: Cost‑conscious members prioritizing premium savings

  • $0 monthly premium + Part B giveback (up to $140/month)
  • PCP visits: $0 copay
  • Specialist visits: $35 copay
  • Inpatient hospital: $325/day (Days 1–6), $0 thereafter
  • Annual MOOP: $6,900
  • Dental: Preventive and comprehensive coverage (DHMO model)
  • Vision: $0 routine exam + $350 eyewear allowance
  • Hearing: Routine exam $0; hearing aids available (copay applies)
  • OTC allowance: $165 per quarter
  • Care model: Network‑based HMO with referrals and prior authorization

HealthSpring TotalCare (HMO D‑SNP)
Best fit: Dual‑eligible patients with Medicare and Medicaid

  • $0 monthly premium
  • PCP & specialist visits: $0 copay
  • Inpatient hospital: $0 copay (with full Medicaid cost‑share protection)
  • Annual MOOP: As low as $0–$3,450, depending on Medicaid level
  • Dental: $3,000 annual allowance
  • Vision: $0 routine exam + $275 eyewear allowance
  • Hearing: Routine exam $0; hearing aids available
  • OTC allowance: $250 per quarter
  • Transportation: Non‑emergency transportation included
  • Care management: Dedicated care coordination and social support services

HealthSpring Courage (HMO)
Best fit: Members seeking lower MOOP and strong core medical benefits (medical coverage–focused plan)

  • $0 monthly premium + Part B giveback (up to $120/month)
  • PCP visits: $0 copay
  • Specialist visits: $25 copay
  • Inpatient hospital: $375 per stay
  • Annual MOOP: $4,300
  • Dental: $1,500 annual allowance (preventive & comprehensive)
  • Vision: $0 routine exam + $250 eyewear allowance
  • Hearing: Routine exam $0; hearing aids available (copay applies)
  • OTC allowance: $45 per quarter
  • Transportation: 24 one‑way non‑emergency trips per year
  • Care model: HMO with PCP coordination, referrals, and prior authorization

Beyond Primary Care: Expanding Care Through Physical Therapy

Apr 10, 2026

At Gonzaba Medical Group, we believe that care extends beyond primary care. Our Physical Medicine and Rehabilitation services are created to support patients through every step of recovery, helping them regain strength, enhance mobility, and return to the activities...

Carrier Spotlight: Humana

Apr 10, 2026

Hello, San Antonio! I am Jose Perez, your local Humana Broker Relationship Manager, alongside Michael Renteria, and we are committed to helping you navigate Humana’s 2026 benefits and agent support tools with greater ease and confidence, while keeping the needs of our...