HealthSpring True Choice Savings (PPO) in St. Louis City County, Missouri — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
HealthSpring True Choice Savings (PPO) (H7849-077) is a $0-premium Medicare Advantage PPO from Health Care Service Corporation available in St. Louis City County, Missouri in 2026, with a 3.0-star overall rating, a $4,250 in-network out-of-pocket maximum, and a $200 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | Health Care Service Corporation |
|---|---|
| Plan name | HealthSpring True Choice Savings (PPO) |
| Contract ID | H7849 |
| Plan ID | 077 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | PPO |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $6.50 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $200.00 |
| Maximum out-of-pocket (in-network) | $4250.00 |
| Overall star rating | 3.0 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- PPO plan type. Plan-type rules determine in-network use and referrals. See how Medicare Advantage HMO and PPO plans differ.
- $4,250 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = St. Louis City County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in St. Louis City County
The CMS CY2026 Landscape file lists 79 Medicare Advantage plans in St. Louis City County, Missouri, of which 2 carry a 5.0-star overall rating and 41 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $254.00 per month, and in-network out-of-pocket maximums range from $2000.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in St. Louis City County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| NHC Advantage (HMO I-SNP) | Missouri Healthcare Advisors, LLC | $31.00 | $8100.00 |
| Senior Care (HMO I-SNP) | Missouri Healthcare Advisors, LLC | $0.00 | $5000.00 |
For the full county plan directory, see all Medicare plans in St. Louis City County, Missouri.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H7849-077.
- Call the plan (Health Care Service Corporation) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H7849-077 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H7849-077, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 7849 are the contract number issued to the organization, and the three-digit 077 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is HealthSpring True Choice Savings (PPO) an HMO or PPO?
HealthSpring True Choice Savings (PPO) is a PPO Medicare Advantage plan.
Does HealthSpring True Choice Savings (PPO) include prescription drug coverage?
Yes — HealthSpring True Choice Savings (PPO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $200.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for HealthSpring True Choice Savings (PPO)?
The 2026 in-network maximum out-of-pocket limit for HealthSpring True Choice Savings (PPO) is $4250.00, per the CMS CY2026 Landscape file.
What counties offer HealthSpring True Choice Savings (PPO) (H7849-077)?
HealthSpring True Choice Savings (PPO) (H7849-077) is offered in seven Missouri counties: Crawford County, Jefferson County, St. Charles County, St. Louis County, St. Louis City County, Warren County, and Washington County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.