Medicare Plans

Open Medicare Plan Data.

HealthSpring Courage (HMO) Medicare Advantage Plan H9725-005 • 2027 • Union County, NC

CMS Rating: Not yet rated by CMS.
Monthly Premium
$0.00Plus Part B premium.
Medical Deductible
$0.00
Maximum Out-of-Pocket
$6750.00In-network
Part B Giveback
−$115.00 reduction
Prescription Coverage
Not Included
Additional Benefits
Dental, Vision, Hearing
Service Area
Union County, NC
Local Enrollment
0 beneficiaries in Union County
Last update:

HealthSpring Courage (HMO) Introduction

HealthSpring Courage is a Medicare Advantage HMO plan offered by HealthSpring. It uses a Health Maintenance Organization (HMO) provider network and comes without prescription drug coverage. For the 2027 plan year it has a $0.00 monthly premium, $0.00 medical deductible, and $6750.00 in-network maximum out-of-pocket. CMS Plan ID H9725-005 identifies this plan.

You must live in Union County, North Carolina to enroll in this plan. CMS reports 0 beneficiaries enrolled in this plan in Union County. For assistance with this plan, new members can call (866)617-8713 (TTY (877)843-6493).

Compare Similar Plans in Union County

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

HMO plan comparison for Union County, North Carolina
Plan Detail HealthSpring Courage Aetna Medicare Signature HealthSpring Preferred Savings
CMS Plan ID H9725-005-0 H3146-001-0 H9725-015-1
Local Enrollment 0 872 606
Monthly Premium $0.00 $0.00 $0.00
Medical Deductible $0.00 $0.00 $150
Maximum Out-of-Pocket $6,750.00 $5,500.00 $6,750.00
Part B Giveback −$115.00 reduction Not offered −$179.00 reduction
Primary Care $0 copay $0 copay $0 copay
Specialist $50 copay $0-$30 copay $45 copay
Part D Deductible Not Applicable $400.00 $600.00
CMS Star Rating Not yet rated Not yet rated Not yet rated
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 H9725-005.

You can also compare 2027 costs and coverage with last year, side-by-side: Plan H9725-005-0 Cost Compare.

Office Visits

Primary care
In-network: $0 copay
Specialist
In-network: $50 copay

Preventive and Wellness Services

Annual wellness exam
In-network: $0 copay
Telehealth benefit
In-network: $0-$50 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-$195 copay
Lab services
In-network: 0%-20% coinsurance
Outpatient x-rays
In-network: $0-$95 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
$300 per day for days 1-7
$0 per day for days 8-90
$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: $270 copay

Mental Health Services

Outpatient individual therapy
In-network: $50 copay
Outpatient group therapy
In-network: $50 copay
Inpatient psychiatric hospital care
Tier 1
$300 per day for days 1-7
$0 per day for days 8-90
$0 per stay

Rehabilitation Services

Physical therapy and speech and language therapy
In-network: $45 copay
Occupational therapy
In-network: $45 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: H9725)

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 H9725
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 Last Accessed
Landscape Source Files Centers for Medicare & Medicaid Services October 5, 2026
Medicare Part C & D Performance Centers for Medicare & Medicaid Services October 5, 2026
Plan Benefits Package Centers for Medicare & Medicaid Services October 5, 2026
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services October 5, 2026

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
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025

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Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard.