Most HealthSpring Medicare Advantage plans for are branded as HealthyAdvantage Medicare plans. HealthyAdvantage Medicare plans are available in select Counties of Alabama, Tennessee, Mississippi, Georgia, Florida, Texas and Illinois.
HelathSpring also offers a Part D prescription plan in all 50 States.
Most HealthyAdvantage plans are available as HMO Medicare plans although plans in North Texas are PPO plans and the HealthyPremiere plan is a HMO-POS plan. The HealthyAdvantage brand consists of four plans not all of which are available in each service area.
Finding the best HealthyAdvantage Medicare plan
When comparing Medicare Advantage plans you may be looking for the best plan. The best plan is not necessarily the same for everyone. Differences in monthly premium, level of benefits and whether or not you would like the freedom to go out of network all factor in to which will be the best plan for you. Here are the HealthyAdvantage Medicare plans starting with the most basic to the richest level of benefit:
- HealthAdvantage – Medical plan only often without a monthly premium.
- HealthyAdvantage Plus – Medical including Part D.
- HealthyAdvantage Select – Medical including Part D.
- HealthyAdvantage Premiere – Medical including Part D.
The HealthyAdvantage, HealthyAdvantage Plus, and HealthyAdvantage Select are all offered as HMO plans except in North Texas where plans are available as PPO plans. The HMO plans require that you utilize plan providers only except in the case of emergencies and you must have a referral to see a specialist.
The HealthSpring HealthyAdvantage Premiere plan is a HMO-POS plan. The point-of-service aspect of this plan allows you to receive services out-of-network generally at a higher cost. This plan will have the highest premium of any HealthSpring plan.
When comparing available plans one big factor is whether or not the network is suitable for you. Unless you are enrolling in the Premiere plan you will have only network providers to choose from.
If you require the freedom to use out-of-network providers you should compare the Premiere plan to other Medicare Advantage plans that allow
this freedom like the AARP MedicareComplete plans that are available in many service areas.
If you live in an area where HealthSpring HealthyAdvantage Medicare plans are available it’s worth it to compare them to other available plans. In some cases you will find that the benefits are greater than other plans that have higher monthly premiums. Just remember to delve deep into the HealthyAdvantage provider directory to make certain that your preferred providers are in network.