HealthSpring Of Alabama – Unbiased Review

HealthSpring of Alabama is now Cigna-HealthSpring3D Figure Pointing to Page

If you have done any research into Alabama Medicare Advantage or Medicare Part D Plans you may have run across Healthspring of Alabama.

HealthSpring Inc, based in Nashville Tennessee was acquired by Cigna Inc. and has ceased to offer their own branded medicare Part D Plans.

As a resident of Alabama you have one Cigna-HealthSpring Rx plan available.

Following is an overview of the Cigna-HealthSpring Rx plan and some insight as to who may benefit most by enrolling in this plan.


HealthSpring Medicare Advantage

Cigna-HealthSpring Rx Reg 12 PDP – – Very few insurance companies that offer Part D plans nationally have only one plan to choose from. Although Cigna offers Cigna only branded plans, only one plan is branded as Cigna-Healthspring.

A quick visit to medicare.gov will allow you to see that no star rating is displayed for this plan. Instead, you are warned that the plan has been rated poorly for three years in a row. The plan requires the maximum deductible allowed and requires coinsurance rather than copayments. It’s very difficult to determine your future costs with such a cost sharing structure. There are over 30 Part D plans available in Alabama and you would be wise to compare the costs and benefits of several.


Enrolling in a HealthSpring Medicare Advantage plan

If you are considering a HealthSpring plan there are three pieces of information that you should review.

The details for the following years’ Part D plans are released on October 1st. You can submit an application beginning October 15th through December 7th.

It’s wise to compare several plans to be certain that you are choosing your best option. If you are already enrolled in a HealthSpring plan, you should still review the benefits for the following year to determine if any significant changes have taken place. Your new plan will become effective on January 1st.

 


 

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