If you are reviewing a former Cigna Courage Medicare plan, use the current HealthSpring contract for your county. One important distinction is Part D: the 2026 HealthSpring Courage HMO contract H4513-009 does not include Part D coverage. That example does not establish every Courage plan's costs or service area.
Check the coverage combination first
A Medicare Advantage plan without Part D still provides covered Medicare medical benefits under its own access and cost-sharing rules. It should not be assumed to replace other coverage you rely on. Confirm how any employer, union, VA or military benefits work before making a change.
Questions to resolve before enrollment
| Topic | What to confirm |
|---|---|
| Part D | Does this exact Courage contract include it, and what other creditable coverage do I have? |
| Medical network | Primary care, specialists, hospitals and referrals. |
| Budget | Part B premium, plan premium, service charges and medical maximum. |
| Other insurance | Coordination and any effect on existing benefits. |
Do not add a separate plan without checking
In a Medicare Advantage HMO, joining a standalone Part D plan generally disenrolls you from Medicare Advantage and returns you to Original Medicare. This is not a simple add-on. Ask Medicare and the current plan to confirm the effect before submitting an enrollment.
Review the exact year's documents
Use the Evidence of Coverage, Annual Notice of Change and provider directory. Do not transfer an advertised premium reduction or extra benefit from another county's plan. A similarly named plan can have different details.
Keep confirmation of your chosen coverage and effective date. Ask your existing benefits administrator about any change that could affect retiree or dependent coverage. A licensed insurance professional can help compare the documents, but the actual contract and Medicare enrollment rules govern the result.
Related coverage questions
- Medicare Part D: Coverage Choices, Enrollment and Costs
- Medicare HMO and PPO: Networks, Referrals and Costs
- Changing Medicare Coverage Without Losing Track