Plan year 2026 · coverage ends Dec. 31, 2026CMS crosswalk of Oct. 1, 2026
HealthSpring Preferred AL is not offered under this ID in 2027
H4513Contract046Plan
HMO · served 24 counties in Alabama in 2026
Run by HealthSpring Life & Health Insurance Company, Inc. (contract H4513), sold as HealthSpring, owned by Health Care Service Corporation
CMS crosswalk: members move into H4513-077 in 23 of its 24 counties; in the others the plan ends
HealthSpring Preferred AL (H4513-046) is not offered under this ID in 2027. The CMS plan crosswalk of October 1, 2026 moves its members into HealthSpring Preferred (H4513-077), in the 23 counties where that plan is sold (1,185 members in September 2026). In its other 1 county (22 members) there is no plan to move into: coverage ends December 31, 2026, and members there need to choose a new plan (counties with fewer than 11 members are not counted).
What changes for its members in HealthSpring Preferred?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | HealthSpring Preferred AL | HealthSpring Preferred | renamed |
| In-network out-of-pocket limit, by county | $6,900 to $8,850 | $5,550 to $7,150 | ▼down $1,700 at the top |
| Drug deductible | $590 | $400 | ▼down $190 |
| Specialist visit (best in its area) | $35 copay | $10 copay | ▼down $25 |
| Emergency room (best in its area) | $115 copay | $130 copay | ▲up $15 |
| Hospital stay, in network (best in its area) | $285 a day for days 1–7, then $0 a day for days 8–90 | $310 a day for days 1–7, then $0 a day for days 8–90 | ▲up $125for a 5-day stay |
| Skilled nursing facility, in network (best in its area) | $0 a day for days 1–20, then $218 a day for days 21–100 | $10 a day for days 1–20, then $221 a day for days 21–100 | ▲up $230for a 30-day stay |
| Eyewear, yearly limit (best in its area) | $250 a year | $200 a year | ▼down $50 |
| Over-the-counter items, yearly (best in its area) | $160 a year | $120 a year | ▼down $40 |
| Counties served | 24 | 29 | ▲up 5 |
| Drug tier 3, preferred brand | $47 | 20% of the cost | changed |
| Drug tier 4, non-preferred drug | 50% of the cost | 25% of the cost | ▼down 25 points |
| Drug tier 5, specialty tier | 26% of the cost | 29% of the cost | ▲up 3 points |
| 9 lines do not change | |||
| Monthly premium | $0 | $0 | no change |
| Part B premium reduction, monthly (best in its area) | none | none | no change |
| Primary care visit (best in its area) | $0 copay | $0 copay | no change |
| Medical deductible, in network (best in its area) | none | none | no change |
| Ground ambulance, in network (best in its area) | $250 copay | $250 copay | no change |
| Comprehensive dental, yearly limit (best in its area) | not offered | not offered | no change |
| Hearing aids, yearly limit for both ears (best in its area) | not offered | not offered | no change |
| Drug tier 1, preferred generic | $10 | $10 | no change |
| Drug tier 2, generic | $20 | $20 | no change |
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 plan benefit package files, 2027 and 2026. Your plan's Annual Notice of Change is the letter that confirms your 2027 plan; confirm on Medicare Plan Finder.
What can members do, and by when?
If you live in Autauga (AL), Baldwin (AL), Bibb (AL), Blount (AL), Chilton (AL), Cullman (AL), Dallas (AL), DeKalb (AL), Etowah (AL), Jackson (AL), Jefferson (AL), Lauderdale (AL), Limestone (AL), Madison (AL), Marshall (AL), Mobile (AL), Montgomery (AL), Morgan (AL), Shelby (AL), St. Clair (AL), Talladega (AL), Tuscaloosa (AL), Walker (AL)
- If you do nothing
- You are moved into HealthSpring Preferred on January 1, 2027.
- October 15 to December 7, 2026
- Open enrollment: choose another Medicare Advantage plan, or Original Medicare with a drug plan, instead.
If you live in Elmore (AL)
- Your coverage
- Ends December 31, 2026: HealthSpring Preferred is not sold where you live.
- October 15 to December 7, 2026
- Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
- December 8, 2026 to the end of February 2027
- A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
- If you do nothing
- You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).
- Without a drug plan
- Going 63 days or more in a row without drug coverage can mean a late enrollment penalty if you join a drug plan later; joining by the end of February keeps a January and February gap under 63 days, waiting longer does not.
Source: Medicare.gov, “Special enrollment periods” and “Joining a plan” (read Oct. 7, 2026).
Where did its members live?
Where its members lived in September 2026; each county and state page lists the 2027 plans sold there.
| County | Members, Sept. 2026 | For 2027 |
|---|---|---|
| Jefferson, AL | 255 | moves into H4513-077 |
| Mobile, AL | 220 | moves into H4513-077 |
| Shelby, AL | 83 | moves into H4513-077 |
| Talladega, AL | 79 | moves into H4513-077 |
| Montgomery, AL | 57 | moves into H4513-077 |
| Tuscaloosa, AL | 50 | moves into H4513-077 |
| Dallas, AL | 47 | moves into H4513-077 |
| Madison, AL | 46 | moves into H4513-077 |
| Chilton, AL | 40 | moves into H4513-077 |
| Cullman, AL | 38 | moves into H4513-077 |
| Walker, AL | 37 | moves into H4513-077 |
| Baldwin, AL | 36 | moves into H4513-077 |
| DeKalb, AL | 34 | moves into H4513-077 |
| Bibb, AL | 32 | moves into H4513-077 |
| Autauga, AL | 23 | moves into H4513-077 |
| Etowah, AL | 23 | moves into H4513-077 |
| Elmore, AL | 22 | plan ends here |
| Jackson, AL | 16 | moves into H4513-077 |
| Limestone, AL | 16 | moves into H4513-077 |
| Morgan, AL | 14 | moves into H4513-077 |
| Lauderdale, AL | 13 | moves into H4513-077 |
| Marshall, AL | 13 | moves into H4513-077 |
| St. Clair, AL | 13 | moves into H4513-077 |
| Blount, AL | fewer than 11 | moves into H4513-077 |
Source: CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).
What else should you check?
- 2027 plans in Jefferson, ALThe plans you can join instead
- HealthSpring plans for 2027Plans the same company still offers
- Every plan not offered in 2027764 Medicare Advantage and drug plans