Yes. HealthSpring Medicare Advantage plans do cover dental and vision in most cases: every HealthSpring Medicare Advantage plan includes routine vision coverage, and most plans include a dental benefit as well.1PR Newswire. HealthSpring Plans Offer Customers Many Options for 2026 What you actually get, though, depends heavily on which HealthSpring plan you’re enrolled in. Dental allowances, eyewear allowances, copays, and network rules all vary from plan to plan and county to county.
What the Dental Benefit Covers
Most HealthSpring plans package dental as a yearly dollar allowance that you can spend on both preventive and comprehensive care. That includes cleanings, exams, X-rays, and fluoride on the preventive side, and fillings, crowns, root canals, extractions, periodontics, and prosthodontics on the comprehensive side, all under a single combined limit. Original Medicare does not pay for any of these.2Medicare.gov. Dental Services The dental allowance is administered by Cigna Dental through a DPPO arrangement.3HealthSpring. Dental Allowance Extra Benefits Guide
You pay $0 for covered services until the allowance runs out. After that, you pay the full cost. Allowance amounts for 2026 range widely:
- HealthSpring True Choice (PPO) H7849-150: $600 yearly allowance.4HealthSpring. Summary of Benefits, HealthSpring True Choice PPO H7849-150
- HealthSpring Preferred (HMO) H9725-009: $1,600 yearly allowance.5HealthSpring. Summary of Benefits, HealthSpring Preferred HMO H9725-009
- HealthSpring TotalCare (HMO D-SNP) H4513-080: $2,350 yearly allowance.6MedicareAdvantage.com. Summary of Benefits, HealthSpring TotalCare HMO D-SNP H4513-080
- HealthSpring Preferred (HMO) H0439-020: $3,300 yearly allowance.7HealthSpring. Summary of Benefits, HealthSpring Preferred HMO H0439-020
Not every HealthSpring plan has dental. The HealthSpring True Choice Plus (PPO) H7849-114 in Greenville, South Carolina is specifically excluded from the dental allowance benefit and covers no preventive or comprehensive dental services.8Q1Medicare. HealthSpring True Choice Plus PPO H7849-114 Benefits Always check the Summary of Benefits for your specific plan before assuming dental is included.
Dental Network Rules
Many HealthSpring plans let you see any U.S.-licensed dentist who isn’t excluded by Medicare. If you use a Cigna Dental Allowance (DPPO) network provider, the dentist bills Cigna directly; out-of-network dentists may ask you to pay at the visit and submit for reimbursement afterward.5HealthSpring. Summary of Benefits, HealthSpring Preferred HMO H9725-009 Some plans require you to use a Cigna DPPO network provider.9MedicareAdvantage.com. Summary of Benefits, HealthSpring Alliance HMO H0354-028 Both DHMO and DPPO structures exist across the HealthSpring portfolio, so your Evidence of Coverage is the place to confirm what your plan allows.10Dental Provider Newsroom. Cigna Healthcare Medicare Advantage Is Now HealthSpring
What the Vision Benefit Covers
Every HealthSpring Medicare Advantage plan includes routine vision.1PR Newswire. HealthSpring Plans Offer Customers Many Options for 2026 Routine vision services beyond Original Medicare are managed by EyeMed.11HealthSpring. Extra Benefits Guide The typical structure: $0 for one routine eye exam per year, plus a yearly eyewear allowance that can go toward frames, lenses, contacts, contact lens fittings, and lens upgrades.
Sample 2026 figures:
- HealthSpring Preferred (HMO) H9725-009: $250 eyewear allowance with a $0 copay until the limit is reached, plus $0 copays for glaucoma and diabetic retinopathy screenings.5HealthSpring. Summary of Benefits, HealthSpring Preferred HMO H9725-009
- HealthSpring Preferred (HMO) H0439-020: $300 eyewear allowance with $0 copays on covered services.7HealthSpring. Summary of Benefits, HealthSpring Preferred HMO H0439-020
- HealthSpring True Choice (PPO) H7849-024: $0 copays for routine eye exams, contact lenses, frames, and lenses in network, with 50% coinsurance for out-of-network exams.12Medicare.org. HealthSpring True Choice PPO H7849-024
Vision Network Rules
If you’re in an HMO, you have to use an EyeMed network provider for routine eye exams and eyewear. PPO members are encouraged to stay in the EyeMed network but aren’t required to; going out of network just costs more.11HealthSpring. Extra Benefits Guide
Flexible Choice Plans Work Differently
HealthSpring Flexible Choice is the exception. Those members don’t get insurance-based dental or vision allowances; instead, they have access to a discount program through Careington for dental and VSP for vision. This is explicitly not insurance, and members pay negotiated rates rather than receiving covered benefits.13HealthSpring Solutions Simplified. HealthSpring Flexible Choice Dental, Vision and Hearing
Sample dental savings include a routine checkup for $40 versus a typical $93 cost, and a crown for $861 versus $1,662. On the vision side, members get $50 off an eye exam with purchase of glasses and 25% off frames.13HealthSpring Solutions Simplified. HealthSpring Flexible Choice Dental, Vision and Hearing If you’re on a Flexible Choice plan and want real insurance coverage for dental or vision, you’d need to buy a separate policy.
Dental and Vision Spending Doesn’t Count Toward Your MOOP
Something worth knowing before you spend: your supplemental dental and vision benefits are tracked separately from your plan’s medical maximum out-of-pocket (MOOP) limit. The MOOP only applies to in-network Medicare-covered medical benefits. The HealthSpring Preferred (HMO) H9725-009 plan, for instance, carries a $3,550 MOOP and specifies that dental and vision spending against the yearly allowances does not count toward that cap.5HealthSpring. Summary of Benefits, HealthSpring Preferred HMO H9725-009 Once you’ve used up your dental or vision allowance for the year, anything else you spend on those services comes out of your own pocket and gets you no closer to the MOOP.
Because dental and vision details are set at the plan level, the only reliable way to confirm what you’ll receive is to pull the Summary of Benefits for the specific HealthSpring plan available in your county.