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HealthSpring Courage (HMO) (2027)

Medicare Advantage plan without drug coverage from HealthSpring, plan ID H4513-009-000. Sold in 47 counties in Texas.

★★★★★3.5

2027 costs

Monthly premium$0
Medical deductible$0
Out-of-pocket maximum (in network)$4,300
Plan typeMedicare Advantage plan without drug coverage, HMO
Referral needed to see a specialistYes
Plan IDH4513-009-000

With a Medicare Advantage plan you also keep paying your Medicare Part B premium.

What this plan would cost for your prescriptions

Add your prescriptions to see this plan's estimated yearly cost for them, which of them are on its drug list, and how each compares with Cost Plus Drugs prices.

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What you pay for medical care

Primary care visit$0
Specialist visit$25
Preventive care$0
Urgent care$65
Emergency room$150
Hospital stay$200/day
Outpatient surgery$0–$200
Lab tests$0–$150
X-rays and scans$0
Mental health visit$25
Physical therapy$25
Medical equipment20%
TelehealthCovered

In-network amounts. A range means it depends on the service or provider.

Extra benefits

DentalCovered — up to $1000 allowance
VisionCovered — up to $250/yr allowance
HearingCovered — $399–$1800 copay per aid
Over-the-counter itemsCovered — up to $45/quarter allowance
FitnessCovered
Rides to appointmentsCovered — 24 one-way trips/yr

Where it's sold

Texas (47 counties)

Plan costs and benefits are from CMS's 2027 Medicare plan data (data as of October 27, 2026). Star ratings are CMS's 2027 Star Ratings. Every year, Medicare evaluates plans based on a 5-star rating system. Benefits, premiums and copays can change from year to year; check the plan's Evidence of Coverage, call the plan, or use Medicare.gov before you enroll.