Array ( [plan_name] => Cigna Preferred Full Savings Medicare (HMO) [plan_id] => H4513-091 [org_name] => Cigna Healthcare [plan_type] => HMO [region] => Houston [moop] => 7500.00 [deductible] => [inpatient_hospital] =>
Prior Authorization Required, Referral Required [snf] =>
Prior Authorization Required, Referral Required [pcp] =>
Referral Required [specialist] => $15.00 Copay
Prior Authorization Required, Referral Required [urgent_care] => $35.00 Copay
Referral Required [er] => $0.00 - $350.00 Copay
Prior Authorization Required, Referral Required [ambulance_ground] => $250.00 Copay
Prior Authorization Required, Referral Required [ambulance_air] => 20% Coinsurance
Prior Authorization Required, Referral Required [dental] =>
$20000.00 max, Referral Required [vision] =>
$100.00/yr eyewear, Referral Required [hearing] =>
Referral Required [rx] => Array ( [deductible] => $0.00 [tiers] => Array ( [0] => Array ( [order] => 1 [name] => Preferred Generic [deductible] => Applies [retail_30] => [retail_90] => [mail_30] => [mail_90] => [ltc_30] => [out_network] => [post_oop] => ) [1] => Array ( [order] => 2 [name] => Tier 2 [deductible] => Applies [retail_30] => [retail_90] => [mail_30] => [mail_90] => [ltc_30] => [out_network] => [post_oop] => ) [2] => Array ( [order] => 3 [name] => Tier 3 [deductible] => Applies [retail_30] => [retail_90] => [mail_30] => [mail_90] => [ltc_30] => [out_network] => [post_oop] => ) [3] => Array ( [order] => 4 [name] => Tier 4 [deductible] => Applies [retail_30] => [retail_90] => [mail_30] => [mail_90] => [ltc_30] => [out_network] => [post_oop] => ) [4] => Array ( [order] => 5 [name] => Tier 5 [deductible] => Applies [retail_30] => [retail_90] => [mail_30] => [mail_90] => [ltc_30] => [out_network] => [post_oop] => ) ) ) )

HealthSpring Preferred Full Savings (HMO) (HMO) 2025 Plan Details for Waller County, Texas Residents

HealthSpring Preferred Full Savings (HMO) is a HMO Medicare Advantage plan, from Cigna Healthcare, {with_without_pdp} a prescription drug plan. It's CMS Plan ID is: H4513-091-0. It is not available in all areas. The list of locations where this plan is available can be found below.

According to CMS enrollment data (July, 2025), there are approximately 21,671 members enrolled in this plan.

HealthSpring Preferred Full Savings (HMO) (HMO) Overview

Key Facts and Costs for HealthSpring Preferred Full Savings (HMO) (2026)
CMS Fact	Landscape Value
Health Plan ID:	H4513-091-0
CMS Overall Rating:	☆☆☆☆☆ 0.0 out of 5 stars^*
Medicare Advantage Plan Type:	HMO
Coverage Year:	CY2026
Monthly Premium:	$0.00 Plus your Medicare Part B premium.
Health Plan Deductible:	$0.00
Annual Out-of-Pocket Maximum:	$7500.00 (In-Network)
Part B Give Back:	$0.00/mo
Part D Drug Plan Benefit:	Enhanced, $500.00 deductible
Additional Benefits:	Dental, Vision, Hearing
Availability:	Waller County, TX
Insured By:	Cigna Healthcare
Last Plan Content Update:	August 28, 2025

Plan Availability by Location

Health Plan Out-of-Pocket Costs

Doctor's Office Visits

Find out the costs for visiting your primary care doctor and specialists, as well as coverage for wellness and preventive programs.

Service	Enrollee Cost (in-network)
Primary:	Not Covered
Specialist:	$55 Copay Prior Authorization Required, Referral Required

Emergency, Urgent, and Inpatient Hospital Coverage

Review the costs for emergency services, urgent care, ambulance services, inpatient hospital stays, and skilled nursing facility care.

Service	Enrollee Cost
Emergency room care:	$110 Copay
Urgent care:	$35 Copay
Ground ambulance:	$250 Copay
Inpatient hospital care:	$340.00 per day for days 1 through 6 $0.00 per day for days 7 and beyond
Skilled Nursing Facility:	$0.00 per day for days 1 through 20 $214.00 per day for days 21 and beyond

Foot Care

This section covers Medicare-approved foot care services, including exams and routine foot care.

Service	Enrollee Cost (in-network)
Foot Exams and Treatments (Medicare-covered):	$55 Copay Referral Required
Routine Foot Care:	Not Covered

Chiropractic Care

Understand the coverage for Medicare-approved chiropractic services and routine chiropractic care.

Service	Enrollee Cost (in-network)
Medicare-covered chiropractic:	$15 Copay Prior Authorization Required, Referral Required
Routine chiropractic:	Not Covered

Mental Health Services

This section explains the costs for mental health services, including individual and group therapy, and inpatient care.

Service	Enrollee Cost (in-network)
Outpatient individual therapy:	Not Covered
Outpatient group therapy:	Not Covered
Inpatient psychiatric hospital care:	$320.00 per day for days 1 through 5 $0.00 per day for days 6 and beyond

Rehabilitation Services

See the cost details for rehabilitation services, including physical therapy, speech therapy, and occupational therapy.

Service	Enrollee Cost (in-network)
Physical therapy and speech and language therapy:	$35 Copay Referral Required
Occupational therapy:	$35 Copay Referral Required

Medical Equipment and Supplies

Learn about the costs associated with medical equipment and supplies, including diabetes supplies, durable medical equipment, and prosthetics.

Service	Enrollee Cost (in-network)
Diabetes supplies:	Not Covered
Durable medical equipment:	20% Coinsurance Prior Authorization Required
Prosthetics:	20% Coinsurance

Diagnostics, Lab Services, and Imaging

This section outlines the costs for diagnostic services, lab tests, x-rays, and other imaging services.

Service	Enrollee Cost (in-network)
Diagnostic radiology services:	$300 Copay Prior Authorization Required, Referral Required
Lab services:	$50 Copay Prior Authorization Required, Referral Required
Outpatient x-rays:	$10 Copay Prior Authorization Required, Referral Required
Diagnostic tests and procedures:	$50 Copay Prior Authorization Required, Referral Required

Medicare Part B Drugs

Review the cost-sharing details for chemotherapy and other Medicare Part B-covered drugs.

Service	Enrollee Cost (in-network)
Chemotherapy:	20% Coinsurance
Other Part B drugs (Medicare-covered):	20% Coinsurance

Dental Services

This section details the dental services covered under your plan including, Medicare-covered preventive dental, oral exams, x-rays, dental cleanings, and comprehensive dental. ntal benefit for non Medicare-covered services at: $20,000.00 (Every year).

Service	Member Cost (in-network)
Medicare Covered Preventive Dental	$55 Copay Prior Authorization Required
Oral exam	$0
Dental x-rays	$0
Cleaning	$0
Periodontics	Not Covered
Endodontics	Not Covered
Restorative Services	Not Covered

Hearing Aids and Services

This section outlines the coverage for hearing-related services, including exams, fittings, and hearing aids.

Service	Member Cost (in-network)
Fitting/evaluation	Covered Limits may apply
Hearing aids	Covered Limits may apply
Hearing exam	Covered Limits may apply

Vision Services

Learn about the costs for vision-related services, including eye exams, eyeglasses, and contact lenses.

Service	Member Cost (in-network)
Medicare-covered eye exam (in-network)	$0 to $45 Copay
Routine eye exam (in-network)	Covered Limits may apply
Eyewear benefits	Eyeglasses: Yes Contact Lenses: Yes Eyeglass Lenses: Yes Eyeglass Frames: Yes Eyewear Upgrades: Yes
Maximum eyewear benefit:	$100.00 Every year

Prescription Drug Costs & Benefits

HealthSpring Preferred Full Savings (HMO) includes an enhanced benefit Medicare Part D plan (PDP), which offers greater coverage than basic plans. An enhanced benefit plan has a higher actuarial value, meaning it covers a larger percentage of your healthcare costs.

Part D Plan Premium

The Part D prescription drug plan premium is included in your overall Medicare Advantage plan cost. However, additional expenses or subsidies may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help. LIS, provided by Social Security, helps those with limited income and resources to lower or eliminate Part D costs. LIS benefits are not part of Medicare Advantage coverage.

HealthSpring Preferred Full Savings (HMO) Prescription Drug Plan Premium Details
Basic Part D Premium:	$($28.40)
Supplemental Part D Premium:	$$28.40
Total Part D Premium:	$$0.00
Low-Income Premium Subsidy:	${part_d_lips_amount}
Low-Income Premium Subsidy Paid by CMS:	$$0.00
Low-Income Subsidy Premium:	$$0.00

For more details, visit the Social Security Extra Help program.

Prescription Drug Plan Deductible

This plan has a $500.00 annual Part D deductible. You'll pay this deductible at the pharmacy before Cigna Healthcare starts contributing towards your prescription costs.

Prescription Drug Plan Out-of-Pocket Costs

Beyond premiums and deductibles, HealthSpring Preferred Full Savings (HMO) may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.

HealthSpring Preferred Full Savings (HMO) Pharmacy Out-of-Pocket Costs by Drug Tier
Drug Tier	Retail	Mail Order
Preferred Generic	$0.00	$5.00
Generic	$0.00	$10.00
Preferred Brand	$45.00	$47.00
Non-Preferred Drug	$100.00	$100.00
Specialty Tier	33.00%	33.00%
^*Deductible does not apply.

CMS 5-Star Rating Marks

Each year, the Centers for Medicare & Medicaid Services (CMS) evaluates health and drug plans using a comprehensive 5-star rating system. These ratings offer valuable insights into the quality of care, member satisfaction, and overall plan performance.

When selecting a Medicare Advantage plan, looking at the star ratings can help you gauge how well a plan might meet your healthcare needs, making it easier to choose a plan with confidence.

2026 Medicare Star Ratings for HealthSpring Preferred Full Savings (HMO)
CMS Measure	Star Rating
2026 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	☆☆☆☆☆

Need Help Enrolling?

Contact and Resource Information for Cigna Healthcare
Website:	Cigna Healthcare Plan Page
Providers:	Cigna Healthcare Providers Page
Formulary:	Cigna Healthcare Formulary Page
Pharmacy:	Cigna Healthcare Pharmacy Page
New Member Health Plan Help:	(800)313-0973
New Member Health Plan TTY:	(877)843-6493
New Member Part D Help:	(800)313-0973
New Member Part D TTY Users:	(877)843-6493

Frequently Asked Questions

📘 What does Medicare plan code H4513 091 mean?

HealthSpring Preferred Full Savings (HMO) is a Medicare Advantage plan by Cigna Healthcare. The code H4513 is the CMS contract ID, whereas 091 is its plan ID.

Plan Name: HealthSpring Preferred Full Savings (HMO)
Plan Type: HMO
Premium: $0.00/mo + your monthly Part B premium
Out-of-Pocket Max: $7500.00 (in-network)
Drug Coverage: {pdp_faq_summary}
CMS Star Rating: 0.0 out of 5
Contract Year: 2026

This information is based on official CMS data and is provided for educational purposes. Always review your plan’s official documents or contact the provider directly before making enrollment decisions.

📋 What type of plan is H4513 091?

This plan is a HMO — specifically, it's an HMO plan with a Medicare Advantage contract that's offered by Cigna Healthcare. It comes with defined provider network rules you should be aware of.

Plan Marketing Name: HealthSpring Preferred Full Savings (HMO)
Network Type: {plan_type_expanded}
Referral Requirement: {referral_required_expanded}
Prescription Coverage: {pdp_faq_summary}

Plan types like HMOs and PPOs determine whether you can go out-of-network or need referrals to see specialists.

📦 What benefits are included in H4513 091?

This plan covers all Medicare Part A and Part B services. Depending on the plan, it may also include valuable extras like dental, vision, and hearing benefits.

Medical Services: Hospital, doctor visits, preventive care
Prescription Drugs: Enhanced, $500.00 deductible
Dental: {dental_benefit}
Vision: {vision_benefit}
Hearing: {hearing_benefit}

Benefit availability may vary by location and plan version. Confirm specific details in your plan's Evidence of Coverage (EOC).

📌 Additional Plan Options

📚 Citations & Research

Citations & References

Cigna Healthcare, http://www.cignamedicare.com, Last Accessed March 1, 2025
CMS.gov, "Medicare Advantage Plan Fact Sheet", Last Accessed 25 May, 2025
Medicare.gov, "Joining a plan", Last Accessed 25 May, 2025
Medicare.gov, "Your coverage options", Last Accessed 25 May, 2025
, "", Last Accessed
CMS.gov, Landscape Source Files, Last Accessed March 15, 2025
CMS.gov, Medicare Part C & D Performance, Last Accessed March 15, 2025
CMS.gov, Plan Benefits Package, Last Accessed March 15, 2025

Research Note: This content is based on independent analysis of CMS data by David Bynon, Medicare analyst and founder of MedicareWire.

For details on how this plan was analyzed and constructed using CMS data, see our Medicare Plan Research Methodology.

Disclaimer: MedicareWire does not endorse or rank Medicare plans. Plan information is provided for educational and research purposes only and may not reflect the most current data available from CMS or the plan provider.

{health_plan_schema}