HealthSpring Courage (HMO) Medicare Advantage Plan H4513-033 • 2026 • Perry County, TN

HealthSpring Courage Overview

Coverage Overview for HealthSpring Courage

HealthSpring Courage is a Medicare Advantage HMO plan that provides Medicare Part A and Part B coverage through a network of participating providers. The monthly premium is $0.00, and the plan generally requires selection of a primary care provider (PCP) and use of in-network services, except in emergency situations.

Primary care visits have a $0 copay, specialist visits come with a $30 copay, urgent care services carry a $30 copay, and ambulance transportation is $290 copay. These costs apply toward the maximum out-of-pocket (MOOP) limit of $3900.00. After this limit is reached, in-network services are fully covered.

This plan is listed by CMS under Plan ID H4513-033. A summary of cost sharing is provided below.

Out-of-Pocket Costs

HealthSpring Courage includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The table below outlines the most common in-network out-of-pocket costs associated with plan H4513-033.

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 Ratings

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.