HealthSpring Medicare Advantage Plans 2025

Are HealthSpring Medicare Advantage plans right for you? Our comprehensive guide dives into the essential details – HMO, PPO, and SNP options, plus added benefits like dental, vision, and hearing care. Skip the fluff and get straight to what matters: understanding the coverage, managing costs, and leveraging the extra perks that set HealthSpring plans apart from traditional Medicare options.


Key Takeaways

  • HealthSpring Medicare Advantage plans, offered by Cigna, combine Medicare Parts A, B, and often D with additional benefits like dental, vision, and hearing care, providing comprehensive one-stop healthcare solutions.



  • Eligibility for HealthSpring Medicare Advantage plans requires enrollment in Medicare Parts A and B and residing within the plan’s service area, with various enrollment periods throughout the year, including SEPs for those experiencing qualifying life events.

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Understanding HealthSpring's Medicare Advantage Offerings

HealthSpring’s Medicare Advantage plans, offered through the reputable Cigna HealthSpring, are designed to provide a one-stop solution for your healthcare needs. These plans wrap Medicare Part A and Part B, and in many cases, Part D, into one comprehensive package. The result? A Medicare Advantage plan that allows you to manage all your healthcare services under one umbrella.

But it doesn’t stop there. HealthSpring’s Medicare Advantage plans also offer additional coverage for dental, vision, and hearing care. This enhances the benefits provided by Original Medicare, ensuring that you receive comprehensive care beyond the basics.


Understanding HealthSpring's Medicare Advantage Offerings

HealthSpring’s HMO Advantage

HealthSpring’s Health Maintenance Organizations (HMOs) stand out for their focus on a set network of healthcare professionals. This structure ensures that members receive comprehensive care through coordinated service providers, which is critical for maintaining lower costs for healthcare services. So, whether it’s a routine check-up or a specialty procedure, you can be sure you’re getting the best care from professionals within your plan’s network.

What sets HMO plans apart is the requirement for referrals for specialty care. With HealthSpring’s HMO plans, for instance, a referral from the primary care physician within the HMO network is required for members to access specialty care. This approach ensures that you’re getting the most appropriate care for your specific health needs and further helps to manage healthcare expenses.


HealthSpring’s PPO Flexibility

For those who value flexibility in their healthcare choices, HealthSpring’s Preferred Provider Organizations (PPOs) offer an ideal solution. These plans provide a range of selections to meet diverse individual cost and coverage preferences, giving members considerable flexibility in their healthcare decisions.

In these flexible PPO plans, members are free to choose their primary care provider and can seek specialist care without needing referrals. Further, while in-network providers offer the most cost-effective services, PPO plans also allow for out-of-network care, albeit at a higher cost. However, even with the potential for higher out-of-network costs, HealthSpring’s PPO plans can still offer cost-effective features, such as $0 monthly premiums, low copays, and no deductibles.


Special Needs Plans (SNPs) Tailored Care

HealthSpring goes a step further to cater to individuals with specific needs through its Special Needs Plans (SNPs). These plans are designed to provide specialized care and support for customers with specific medical or financial needs.

Cigna HealthSpring offers SNPs with tailored benefits that may include case management and an individualized care plan. This means that if you’re dealing with chronic conditions like cancer, heart disease, lung disease, diabetes, or mental health conditions, you can receive additional support to manage your health effectively.

The Extra Benefits of Choosing HealthSpring

Choosing HealthSpring’s Medicare Advantage plans opens the door to extra benefits that go beyond the standard coverage of Original Medicare. These plans combine Part A, Part B, and often Part D prescription drug coverage, providing a comprehensive healthcare solution.

In addition, Cigna’s Medicare Advantage plans offer the following Medicare benefits, making the Cigna Medicare Advantage Plan an attractive option:


  • Very low or no prescription copays
  • Transportation services
  • Over-the-counter benefits
  • Silver&Fit fitness program


These plans emphasize additional wellness and preventive services, enhancing their economic value to members.


Prescription Drug Coverage Included

The majority of HealthSpring Medicare Advantage plans offer Medicare drug coverage, including prescription coverage, for Part D prescription drugs, making it convenient for members to access necessary medications. This inclusion can help members save on out-of-pocket costs for their prescriptions. This stands as a significant benefit, given that Medicare Part D is a prescription drug plan designed to help beneficiaries cover the cost of their medications.


The Extra Benefits of Choosing HealthSpring


With Cigna Medicare Advantage plans, you may find that prescription drug coverage is included, or you may need to obtain separate Part D coverage. It’s important to understand the distinction between stand-alone Part D prescription drug plans and prescription drug coverage integrated within Medicare Advantage Prescription Drug (MAPD) plans. This understanding will help you choose the plan that best meets your prescription medication needs.


Wellness and Preventive Services

Wellness and preventive services are a cornerstone of HealthSpring Medicare Advantage plans. These plans enhance the wellness benefits and preventive services beyond what Original Medicare offers, ensuring that you receive comprehensive care that goes beyond treating illnesses to also preventing them.


Wellness and Preventive Services


Included at no additional cost in some Cigna Medicare Advantage plans are extras such as transportation services, over-the-counter products, and access to fitness programs. In addition, HealthSpring Medicare Advantage members have the opportunity to earn gift card rewards by participating in wellness activities. These benefits emphasize the focus on wellness and prevention, offering you more value for your healthcare expenses.


Vision, Dental, and Hearing Enhancements

HealthSpring Medicare Advantage plans typically offer additional benefits for dental, vision, and hearing care not covered by Original Medicare. This inclusion ensures that members receive comprehensive care beyond just the basic healthcare services.


Vision, Dental, and Hearing Enhancements


For instance, dental coverage under HealthSpring Medicare Advantage may include preventive services like cleanings and exams, and some plans even extend to comprehensive services such as fillings and extractions. Vision enhancements often cover yearly exams and provide allowances for corrective lenses or frames. Moreover, hearing care, including coverage for hearing aids and related audiology services, is addressed within these plans as well.

Enrollment and Eligibility Criteria

Enrolling in a HealthSpring Medicare Advantage plan is a straightforward process, provided you meet the eligibility criteria. To be eligible, you must be qualified for Medicare and enrolled in both Medicare Part A and Part B.

In addition to these requirements, you also need to reside within the service area of the plan. This ensures that you have access to the network of healthcare providers covered by the plan. Enrollment in HealthSpring Medicare Advantage plans can be completed online or by contacting licensed insurance brokers by phone.


Initial and Annual Enrollment Periods

When it comes to enrolling in HealthSpring’s Medicare Advantage plans, there are specific timeframes to keep in mind. The Initial Enrollment Period (IEP) for Medicare Advantage and Part D plans begins 3 months before your birth month and ends 3 months after your birth month.

In addition, HealthSpring members can make changes to their Medicare Advantage plans, including Medicare Advantage HMO options, during the Annual Enrollment Period, which runs from October 15 to December 7 each year.


Initial and Annual Enrollment Periods


For those who missed the IEP and Annual Enrollment Period, the Medicare Advantage Open Enrollment Period runs from January 1 to March 31, allowing members to switch to another Medicare Advantage plan or revert to Original Medicare.


Qualifying for HealthSpring Medicare Advantage

Life is full of changes, and HealthSpring recognizes this by providing Special Enrollment Periods (SEPs). These periods allow individuals to enroll in HealthSpring Medicare Advantage plans outside of the usual enrollment windows triggered by specific qualifying life events.

These qualifying events could include life changes such as moving outside the plan’s coverage area, losing health insurance, or experiencing a major event such as marriage, divorce, childbirth, or adoption. Following a qualifying event, individuals typically have a window of 30-60 days to change their Medicare Advantage plan.

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Cost Considerations and Savings

One of the main considerations when choosing a healthcare plan is cost. HealthSpring’s Medicare Advantage plans offer low or no monthly premiums, making them an affordable choice for beneficiaries. In addition, some plans feature a Part B premium reduction or ‘giveback’ that provides additional financial benefits to customers.

It’s also important to inquire about copays and other potential fees associated with your HealthSpring Medicare Advantage plan. The average out-of-pocket maximum for Cigna Medicare Advantage plans is $5,274 annually, which can help you predict your maximum healthcare spending for the year. Bear in mind that costs for HealthSpring Medicare Advantage plans, such as premiums and out-of-pocket expenses, may vary depending on your location and the specific plan chosen.


Understanding Premiums and Deductibles

When it comes to premiums and deductibles, HealthSpring Medicare Advantage plans offer a range of options. These plans include:


  • A $0 monthly premium in the majority of states where it is available
  • For Cigna Medicare Advantage, PPO plans have an average monthly premium of $2
  • HMO plans have an average monthly premium of $10


This shows a variability in premium costs based on plan type.

In terms of deductibles, these vary within HealthSpring plans, with a drug deductible as low as $2 for HMO plans and $8 for PPO plans. Some HealthSpring plans also offer a Part B Giveback, which reduces the cost burden on enrollees by covering a part of the Medicare Part B monthly expenses.


Maximizing Savings with HealthSpring

HealthSpring’s Medicare Advantage plans are designed with cost-effectiveness in mind. These Medicare plans offer savings through low or no monthly premiums, allowing beneficiaries to choose a plan that best suits their budget. With Medicare insurance plans like these, you can find the right balance between coverage and affordability.

Furthermore, individuals with limited resources can qualify for additional savings on Medicare Part D drug costs. This means that not only do these plans provide comprehensive coverage, but they also offer strategies to manage healthcare costs effectively.

Navigating HealthSpring's Network and Providers

Choosing the right healthcare provider is crucial when it comes to managing costs and ensuring high-quality care. With HealthSpring’s Medicare Advantage plans the selection of in-network healthcare providers plays a significant role.

Choosing a healthcare provider within HealthSpring’s network is essential for managing expenses and accessing quality care. Cigna HealthSpring has a growing network of high-quality providers focused on connecting members with cost-effective and personalized healthcare.


Finding In-Network Providers

Finding in-network healthcare providers is simplified with HealthSpring’s resources. Beneficiaries of HealthSpring Medicare Advantage can use the online provider directory to find in-network healthcare providers.

In addition to online tools, members have access to customer support services, which can assist in locating in-network providers. Cigna’s Healthcare network also offers resources for HealthSpring Medicare Advantage members to locate healthcare providers that accept their plans.


The Role of Primary Care Physicians in HMO Plans

Within HealthSpring’s HMO plans, primary care physicians (PCPs) play a key role. They serve as a key coordinator, managing overall patient care, including monitoring patients’ health and coordinating necessary services.

In HealthSpring’s HMO plans, PCPs provide referrals for specialty care. These referrals are often necessary for HealthSpring to cover services at the highest benefit level. This role makes PCPs an integral part of your healthcare journey within an HMO plan.

Customer Support and Resources

Support is a key component of any service, and Cigna HealthSpring doesn’t fall short in this regard. They provide customer support by phone and mail, offering service hours that accommodate members throughout the year.

Members can contact Cigna for support by phone or visit their website at Through the MyCigna online portal, members can view claims, manage their spending accounts, find in-network healthcare providers, and keep their account information up to date.


Online Tools and Information

The myCigna platform provides a 24/7 online service for managing coverage and services of Cigna HealthSpring Medicare Advantage plans. Through the myCigna online portal, HealthSpring members can manage their plan details and prescriptions. The portal also allows members to search for and find in-network doctors, ensuring they can optimize their benefits.

In addition, members can activate their Healthy Today card via the portal, enabling them to purchase covered over-the-counter products online.


Navigating the healthcare landscape can be challenging, but with HealthSpring’s Medicare Advantage plans, you can rest assured that you’re getting comprehensive coverage that caters to your needs. From the flexibility of PPO plans to the specialized care of SNPs and the cost-effectiveness of HMO plans, HealthSpring offers a range of options to suit diverse healthcare needs.

With additional benefits such as prescription drug coverage, wellness programs, and vision, dental, and hearing enhancements, these plans offer more than just basic healthcare. Start your journey towards comprehensive, cost-effective, and personalized healthcare with HealthSpring’s Medicare Advantage plans today.

Frequently Asked Questions



Can I enroll in a HealthSpring Medicare Advantage plan at any time?

No, enrollment in HealthSpring Medicare Advantage plans is limited to specific periods, such as the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year, and Special Enrollment Periods (SEPs) for qualifying life events. Additionally, the Medicare Advantage Open Enrollment Period runs from January 1 to March 31, allowing members to switch to another Medicare Advantage plan or revert to Original Medicare.


Do HealthSpring Medicare Advantage plans cover prescription drugs?

Yes, most HealthSpring Medicare Advantage plans include Part D prescription drug coverage, consolidating your health and medication insurance needs.


Are wellness programs included in HealthSpring Medicare Advantage plans?

Yes, HealthSpring Medicare Advantage plans often include wellness programs like Silver&Fit, providing access to fitness and health education resources.


How do I find HealthSpring in-network providers?

Members can locate in-network providers by using the online provider directory on the HealthSpring website or by contacting customer service for assistance.


What additional benefits do HealthSpring Medicare Advantage plans offer?

HealthSpring Medicare Advantage plans may offer additional benefits such as routine vision, dental, and hearing care, as well as over-the-counter allowances and transportation services.


What types of plans do HealthSpring’s Medicare Advantage offerings include?

HealthSpring’s Medicare Advantage offerings include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans (SNPs), providing a range of options for beneficiaries.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.