HealthSpring Preferred PA (HMO) in Delaware County, Pennsylvania — 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 Preferred PA (HMO) (H3949-031) is a $0-premium Medicare Advantage HMO from Health Care Service Corporation available in Delaware County, Pennsylvania in 2026, with a 3.0-star overall rating, a $6,750 in-network out-of-pocket maximum, and a $275 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | Health Care Service Corporation |
|---|---|
| Plan name | HealthSpring Preferred PA (HMO) |
| Contract ID | H3949 |
| Plan ID | 031 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | HMO |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $5.40 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $275.00 |
| Maximum out-of-pocket (in-network) | $6750.00 |
| 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.
- HMO plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
- $6,750 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 = Delaware 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 Delaware County
The CMS CY2026 Landscape file lists 100 Medicare Advantage plans in Delaware County, Pennsylvania, of which 6 carry a 5.0-star overall rating and 46 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $214.00 per month, and in-network out-of-pocket maximums range from $1000.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in Delaware County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| Erickson Advantage Champion (HMO-POS C-SNP) | UnitedHealth Group, Inc. | $182.00 | $3400.00 |
| Erickson Advantage Freedom (HMO-POS) | UnitedHealth Group, Inc. | $89.00 | $4900.00 |
| Erickson Advantage Guardian (HMO-POS I-SNP) | UnitedHealth Group, Inc. | $0.00 | $1000.00 |
For the full county plan directory, see all Medicare plans in Delaware County, Pennsylvania.
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 — H3949-031.
- 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 H3949-031 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H3949-031, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 3949 are the contract number issued to the organization, and the three-digit 031 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 Preferred PA (HMO) an HMO or PPO?
HealthSpring Preferred PA (HMO) is an HMO — a Health Maintenance Organization-style Medicare Advantage plan, meaning in-network care and referral rules generally apply.
Does HealthSpring Preferred PA (HMO) include prescription drug coverage?
Yes — HealthSpring Preferred PA (HMO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $275.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for HealthSpring Preferred PA (HMO)?
The 2026 in-network maximum out-of-pocket limit for HealthSpring Preferred PA (HMO) is $6750.00, per the CMS CY2026 Landscape file.
What counties offer HealthSpring Preferred PA (HMO) (H3949-031)?
HealthSpring Preferred PA (HMO) (H3949-031) is offered in five Pennsylvania counties: Bucks County, Chester County, Delaware County, Montgomery County, and Philadelphia 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.