Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

HealthSpring TotalCare, 2027

H0439Contract022Plan

HMO D-SNP · special needs plan, dual-eligible · 7 counties in Missouri

Run by HealthSpring Life & Health Insurance Company, Inc. (contract H0439), sold as HealthSpring, owned by Health Care Service Corporation

Renews, split in two

2026 star rating, contract H0439: 3.5 of 5

HealthSpring TotalCare (H0439-022) costs $18.40 a month in 2027, up $15.80 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). Some of its 2026 members move to H0439-023 instead (CMS crosswalk).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
Monthly premium	$2.60	$18.40	up $15.80
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$700	up $85
Primary care visit	$0 copay	20% of the cost	changed
Specialist visit	$0 copay	20% of the cost	changed
Over-the-counter items, yearly	$1,100 a year	$660 a year	down $440
Drug tier 3, preferred brand	23% of the cost	20% of the cost	down 3 points
14 lines do not change
Part B premium reduction, monthly	none	none	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	not filed	not filed	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$450 a year	$450 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Counties served	7	7	no change
Drug tier 1, preferred generic	$19	$19	no change
Drug tier 2, generic	$20	$20	no change
Drug tier 4, non-preferred drug	25% of the cost	25% of the cost	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$19	$19	$0
Tier 2	Generic	$20	$20	$20
Tier 3	Preferred Brand	23% of the cost	20% of the cost	20% of the cost
Tier 4	Non-Preferred Drug	25% of the cost	25% of the cost	25% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 22 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 5 plans have a lower out-of-pocket limit, 16 the same. On the premium, 18 plans have a lower premium, 3 the same.

Out-of-pocket limits of the 22 dual-eligible special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,0002 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,0000 plans

$8,000 to $10,000 (this plan)19 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 7 counties: $18.40 a month and $9,850.

Missouri

Crawford Jefferson St. Charles St. Louis St. Louis City Warren Washington

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where do its 2026 members go?

The CMS crosswalk moves the members of the 2026 plan into 2 plans for 2027. It names the plans but not which member goes to which; the counties show where each 2027 plan is sold, and the plan's Annual Notice of Change says which one is yours.

2027 plan	Sold in	Members in those counties, Sept. 2026	Premium 2027	Limit 2027
Stays in this plan	7 of its 7 2026 counties, in Missouri	fewer than 11 a county	$18.40	$9,850
HealthSpring TotalCare PlusH0439-023	7 of its 7 2026 counties, in Missouri	fewer than 11 a county	$18.40	$9,850

Where the plans are sold in the same counties, the member counts overlap, so they add up to more than the plan's members.

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).

Who runs this plan?

Plan ID: H0439-022
Legal name of the contract: HealthSpring Life & Health Insurance Company, Inc.
Sold as: HealthSpring
Parent company: Health Care Service Corporation
Plan type: HMO D-SNP
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3.5 of 5
Members, September 2026: fewer than 11
Plan website, as filed with CMS: HealthSpringMedicare.com

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in St. Louis, MOWhere most of its members live; premiums and limits side by side
Every HealthSpring plan for 2027Its contracts, counties and plans that end
The other 15 plans of contract H0439Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.