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HealthSpring Courage (HMO) Medicare Advantage Plan H5410-004 • 2027 • Okaloosa County, FL

CMS Rating: ☆☆☆☆☆ (3.0 out of 5 stars*)
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$5500.00In-network
Part B Giveback
−$75.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
Okaloosa County, FL
Local Enrollment
26 beneficiaries in Okaloosa County
Last update:

HealthSpring Courage (HMO) Introduction

This Medicare Advantage HMO plan, HealthSpring Courage, is offered by HealthSpring and uses a Health Maintenance Organization (HMO) provider network. It comes without prescription drug coverage. For the 2027 plan year, the monthly premium is $0.00, the medical deductible is $0.00, and the in-network maximum out-of-pocket is $5500.00. The plan is identified by CMS Plan ID H5410-004.

Qualifying residents of Okaloosa County, Florida may enroll in this plan. CMS enrollment data reports 26 plan members in Okaloosa County. New members can call the plan directly at (866)617-8713 (TTY (877)843-6493) for assistance.

Compare Similar Plans in Okaloosa County

Compare this plan with the two most-enrolled HMO plans available in Okaloosa County, Florida. Enrollment is based on CMS local enrollment data.

HMO plan comparison for Okaloosa County, Florida
Plan Detail HealthSpring Courage Humana Gold Plus Giveback H1036-271 HealthSpring Preferred
CMS Plan ID H5410-004-0 H1036-271-0 H5410-018-0
Local Enrollment 26 530 519
Monthly Premium $0.00 $0.00 $0.00
Medical Deductible $0.00 $0.00 $0.00
Maximum Out-of-Pocket $5,500.00 $6,750.00 $5,750.00
Part B Giveback −$75.00 reduction −$114.20 reduction Not offered
Primary Care $0 copay $0 copay $0 copay
Specialist $30 copay $35 copay $30 copay
Part D Deductible Not Applicable $700.00 $400.00
CMS Star Rating 3.0 4.5 3.0
Dental $0 copay $0 copay $0 copay
Vision $0 copay $0 copay $0 copay
Hearing $0 copay $0 copay $0 copay

Plan Benefits

HealthSpring Courage has cost-sharing, meaning there are out-of-pocket costs when receiving covered healthcare services. The tables below detail the most common in-network out-of-pocket expenses for plan H5410-004.

You can also compare 2027 costs and coverage with last year, side-by-side: Plan H5410-004-0 Cost Compare.

Office Visits

Primary care
In-network: $0 copay
Specialist
In-network: $30 copay

Preventive and Wellness Services

Annual wellness exam
In-network: $0 copay
Telehealth benefit
In-network: $0-$30 copay
Routine chiropractic
Not covered
Fitness benefits
Coming soon
Health education
Not covered
Counseling services
Not covered
Over-the-counter drug benefits
Not covered
Health transportation (non-emergency)
Coming soon

Diagnostic, Lab, and Imaging Services

Diagnostic radiology services
In-network: $0-$200 copay
Lab services
In-network: 0%-20% coinsurance
Outpatient x-rays
In-network: $0-$15 copay
Diagnostic tests and procedures
In-network: $0-$95 copay

Emergency and Urgent Care Services

Emergency room care
$130 copay
Worldwide emergency care
Coming soon
Urgent care
$50 copay
Inpatient hospital care
Tier 1
$285 per day for days 1-8
$0 per day for days 9-90
$0 per stay
Skilled Nursing Facility
Tier 1
$10 per day for days 1-20
$221 per day for days 21-100
Ground ambulance
In-network: $225 copay

Mental Health Services

Outpatient individual therapy
In-network: $10 copay
Outpatient group therapy
In-network: $10 copay
Inpatient psychiatric hospital care
Tier 1
$285 per day for days 1-8
$0 per day for days 9-90
$0 per stay

Rehabilitation Services

Physical therapy and speech and language therapy
In-network: $30 copay
Occupational therapy
In-network: $30 copay

Medical Equipment and Supplies

Diabetes supplies
In-network: 0%-20% coinsurance
Durable medical equipment
In-network: 20% coinsurance
Prosthetics
In-network: 20% coinsurance

Medicare Part B Drugs

Chemotherapy
In-network: 0%-20% coinsurance
Other Part B drugs (Medicare-covered)
In-network: 0%-20% coinsurance

Dental Services

Oral exam
In-network: $0 copay
Dental x-rays
In-network: $0 copay
Cleaning
In-network: $0 copay
Periodontics
In-network: $0 copay
Endodontics
In-network: $0 copay
Restorative services
In-network: $0 copay
Implant services
In-network: $0 copay
Orthodontics
In-network: $0 copay
Oral/Maxillofacial surgery
In-network: $0 copay

Vision Services

Routine eye exam
In-network: $0 copay
Contact lenses
In-network: $0 copay
Eyeglass frames only
In-network: $0 copay
Eyeglass lenses only
In-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Upgrades
In-network: $0 copay

Hearing Services

Hearing exam
In-network: $0 copay
Fitting/evaluation
In-network: $0 copay
Prescription hearing aids
In-network: $399-$1800 copay
OTC hearing aids
In-network: $399 copay

Additional and Special Needs Services

Adult day health services
Not covered
Home-based palliative care
Not covered
Personal emergency response system
Coming soon
Weight management programs
Not covered
Wigs for chemotherapy-related hair loss
Coming soon
Alternative therapies
Not covered
Massage therapy
Not covered
Home/bathroom safety devices
Not covered

Certain preventive services are covered 100% by HealthSpring Courage as a Part B benefit.

Prescription Drug Coverage

This plan does not include a Medicare Part D plan for prescriptions.

CMS 5-Star Performance Ratings (Contract ID: H5410)

CMS evaluates Medicare Advantage (Part C) and Part D plans annually using a 5-star rating system. Ratings reflect performance in preventive care, chronic condition management, and member experience.

2027 Medicare Star Ratings for Contract H5410
CMS Measure Star Rating
2027 Overall Rating ☆☆☆☆☆
Staying Healthy: Screenings, Tests, Vaccines ☆☆☆☆☆
Managing Chronic (Long Term) Conditions ☆☆☆☆☆
Member Experience with Health Plan ☆☆☆☆☆
Complaints and Changes in Plans Performance ☆☆☆☆☆
Health Plan Customer Service ☆☆☆☆☆
Drug Plan Customer Service ☆☆☆☆☆
Complaints and Changes in the Drug Plan ☆☆☆☆☆
Member Experience with the Drug Plan ☆☆☆☆☆
Drug Safety and Accuracy of Drug Pricing ☆☆☆☆☆
Medicare Plan Data Sources and Methodology
Primary CMS datasets used for this Medicare Advantage Plan resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

Data sources and methodology documentation.

Official plan information and secondary Medicare references.
Publisher Reference Last Accessed
HealthSpring (official source) http://HealthSpringMedicare.com October 4, 2026
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard.