Understanding HealthSpring Medicare Supplement Insurance Plans
Navigating Medicare can be complex and a Medicare Supplement Insurance plan, often called Medigap, can facilitate cover costs Original Medicare doesn’t. This article provides a comprehensive overview of HealthSpring’s Medicare Supplement plans, eligibility, coverage details, and available discounts as of March 13, 2026.
What is a Medicare Supplement Insurance Plan?
Medicare Supplement Insurance plans are sold by private insurance companies to help fill the “gaps” in Original Medicare (Parts A and B) coverage. These plans help pay for out-of-pocket costs like copays, deductibles, and coinsurance. They are designed to work *with* Original Medicare, not replace it.
HealthSpring Medicare Supplement Plan A: A Detailed Look
HealthSpring offers Plan A, a basic Medicare Supplement plan that provides additional coverage for costs not covered by Original Medicare. Here’s a breakdown of what Plan A typically covers:
- Hospitalization: Plan A covers the costs of a semi-private room, general nursing care, and miscellaneous hospital services and supplies. It covers all but $1,736 for the first 60 days of hospitalization, after you’ve met your Part A deductible.
- Days 61-90 of Hospitalization: For days 61 through 90, Plan A covers all but $434 per day.
- Beyond 90 Days: After 90 days, Plan A covers all but $868 per day for up to 60 lifetime reserve days. Once those reserve days are used, it provides 365 additional days of coverage, paying 100% of Medicare-eligible expenses.
- Skilled Nursing Facility Care: Plan A covers costs in a Medicare-approved skilled nursing facility, but only after a hospital stay of at least three days.
It’s key to remember that with Plan A, you are still responsible for paying both the Part A and Part B deductibles before the plan begins to cover remaining costs.
Eligibility for HealthSpring Medicare Supplement Plans
Generally, you are eligible for a HealthSpring Medicare Supplement plan if you meet the following criteria:
- You are 65 or older and enrolled in Medicare Part B.
- In some states, you may be eligible if you are under 65 and qualify for Medicare due to disability.
You can apply for a Medicare Supplement policy at any time. However, your “open enrollment period” guarantees acceptance of coverage, regardless of pre-existing health conditions. This period begins on the first day of the month you turn 65 and are enrolled in Medicare Part B, and lasts for six months.
HealthSpring Discounts and Savings
HealthSpring offers potential savings on Medicare Supplement plans:
- Premium Discounts: You could save up to 25% with HealthSpring, including a premium discount of up to 20%.
- Online Application Discount: An additional 5% discount is available if you apply online.
These discounts may vary by state and are not available in Hawaii or Vermont. A “Spousal Premium Discount” is available in Washington state.
HealthSpring Insurance Company Details & State Availability
HealthSpring Medicare Supplement policies are underwritten by several companies, including:
- American Retirement Life Insurance Company
- HealthSpring Insurance Company
- HealthSpring National Health Insurance Company
- Loyal American Life Insurance Company
- Medco Containment Life Insurance Company
State-specific details include:
- Kansas: Insured by HealthSpring Insurance Company and HealthSpring National Health Insurance Company.
- Illinois, Maryland, New Mexico, and Utah: Insured by HealthSpring National Health Insurance Company.
- North Carolina, Ohio, and Pennsylvania: Insured by HealthSpring Insurance Company.
- Idaho: Insured by Medco Containment Life Insurance Company.
HealthSpring Insurance Company is likewise known as Cigna Insurance Company in some states, and HealthSpring National Health Insurance Company is also known as Cigna National Health Insurance Company. Both companies are transitioning to use the HealthSpring name.
Contact HealthSpring
For more information or to get a quote, you can call HealthSpring at 8 a.m. – 11 p.m. ET, 7 days a week.