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Health Springs Improves Benefits for 2013

Health springs is making improvements and changes to it’s core Medicare Advantage plan offerings for 2013.  Health Springs’ plans were called Healthspring Healthyadvantage Preferred and Healthyadvantage Premier previously.  In 2013, Healthspring is eliminating the Healthyadvantage name and just going with Healthspring Preferred and Healthspring Premier.  HealthSpring started out as a small Medicare Advantage company, and now since the merger with Aetna has over 400,000 people enrolled in their Medicare Advantage programs and over 1.25mil enrolled in their stand alone PDP plans.   An interesting note:  HealthSpring’s staff consists of 40-50% nurses.  This is due to their commitment of partnering with physicians in order to provide the most comprehensive care to their members.  Let’s look at some of the changes Healthsprings made to their plans for 2013.  Check here for more 2013 plan updates.

Health Springs For 2013 – The Good

  • Hospital Copays dropped $25/day
  • Many formulary generics are covered through the Coverage Gap
  • Mail Order benefit added at reduced copayment
  • Expanded network in many areas

Health Springs For 2013 – The Bad

  • Still an HMO
  • Still requires referrals and authorizations
  • Some copays increased

Health Springs Preferred 2013 Summary of Benefits

  • $0 monthly plan premium
  • $0 drug deductible
  • Maximum Out of Pocket – $3,400
  • Doctor Copay – $10
  • Specialists Copay – $35
  • Outpatient Services – $190
  • Hospital Copay – $195/day Days 1-6
  • Labs Copay – $0
  • X-rays Copay – $30
  • Part D Drugs Copay – Tier 1 – $3, Tier 2 – $10, Tier 3 – $45, Tier 4 – $85, Tier 5 – 33%
  • Routine Dental and Vision exams covered at $0 copay
  • Transportation – $0 copay for 20 one-way trips

Health Springs Premier 2013 Summary of Benefits

  • $39.50 monthly plan premium
  • $0 drug deductible
  • Maximum Out of Pocket – $2,950
  • Doctor Copay – $10
  • Specialists Copay – $35
  • Outpatient Services – $190
  • Hospital Copay – $195/day Days 1-6
  • Labs Copay – $0
  • X-rays Copay – $30
  • Part D Drugs Copay – Tier 1 – $3, Tier 2 – $6, Tier 3 – $45, Tier 4 – $85, Tier 5 – 33%
  • Comprehensive Dental and Vision exams covered at $0 copay
  • Transportation – $0 copay for 20 one-way trips

HealthSprings continues it’s tradition of focusing on your care through partnering with physicians and offering things that many plans do not offer to their beneficiaries.  HealthSpring plans offer an OTC benefit called CarePack that gives members a monthly allowance to receive basic items such as aspirin, vitamins and bandages.  In 2013, the CarePack will not be in every Healthsprings plan, but will be expanded in several areas.  You are allowed to roll over your benefits on a monthly basis in order to have a larger amount to spend at the end of the year.  Be sure to compare plans at www.medicare.gov. and sign up for my FREE mini-course on Medicare Made Easy in the upper right hand corner.  Also, check out my friend Dave’s site at www.medicarewire.com where you can easily compare plans as well.

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