Medicare Advantage

HealthSpring's 2027 Medicare Advantage lineup in St. Petersburg: three HMO plans, two for dual eligibles

St. Petersburg, Fla. — Fall 2026 is when Medicare shoppers in Pinellas County get their first clear look at what each carrier will sell next year. For HealthSpring, the CMS Landscape file for plan year 2027 lists three Medicare Advantage plans available in the county, all HMOs, with two of them built for people who have both Medicare and Medicaid. This article walks through that lineup, what is new or not returning, and how to check any of these plans against your own doctors and prescriptions before the December 7, 2026 deadline.

MyMedicarePlans.org is an independent consumer site. We are not HealthSpring, and HealthSpring is one of 17 carriers offering Medicare Advantage in Pinellas County next year (118 plans in all).

What HealthSpring Medicare Advantage plans are offered in St. Petersburg for 2027?

St. Petersburg is in Pinellas County, where HealthSpring is offering 3 Medicare Advantage plans for 2027. All three are HMOs, and all three include Part D drug coverage. In alphabetical order, they are:

• HealthSpring Preferred (HMO)
• HealthSpring TotalCare (HMO D-SNP)
• HealthSpring TotalCare Plus (HMO D-SNP)

The table below lists every plan with its plan type and drug coverage. CMS lists these plans under the parent organization, Health Care Service Corporation (HCSC); they are marketed as HealthSpring plans.

What is new or not returning from HealthSpring in Pinellas County for 2027?

For 2027, HealthSpring has 0 new plans in Pinellas County and 0 plans that are not returning. The lineup is the same three plans as the prior year on paper — but "same plan" does not mean "same details." Every renewing plan has an Annual Notice of Change (ANOC) that spells out what is changing for 2027 in the plan's costs, drug list, provider network and extras. The ANOC is mailed in late September; keep it.

Which HealthSpring plans are Special Needs Plans, and who are they for?

Two of HealthSpring's three Pinellas County plans for 2027 are D-SNPs — Dual Eligible Special Needs Plans. These are built for people who have both Medicare and full or partial Medicaid. HealthSpring TotalCare (HMO D-SNP) and HealthSpring TotalCare Plus (HMO D-SNP) are the two D-SNPs on offer. HealthSpring Preferred (HMO) is a general-enrollment HMO open to anyone with Medicare Parts A and B who lives in the service area. There are no C-SNPs (chronic condition) or I-SNPs (institutional) in this carrier's 2027 Pinellas County lineup.

If you are not sure whether you qualify for a D-SNP, your Medicaid eligibility is the gate. Call 1-800-MEDICARE or check at medicare.gov to see what you qualify for before you enroll.

How do I check a HealthSpring plan against my doctors and prescriptions before December 7?

The most reliable check is the Medicare Plan Finder at medicare.gov. You enter your ZIP code, type in each of your prescriptions with the exact dose and your preferred pharmacy, and the tool shows how each plan covers them — including the tier, any restrictions, and your estimated yearly drug costs. For doctors and hospitals, use the plan's provider directory on the carrier's own site, or call the carrier to confirm each provider is in-network for the specific plan you are considering for 2027 (networks can differ between a carrier's HMO and its D-SNP).

A quick checklist before December 7, 2026:

• Read the ANOC for your current plan, if you have one.
• Look up each prescription on Plan Finder with your pharmacy selected.
• Confirm every doctor and specialist you want to keep is in the 2027 network of the specific plan.
• Check whether any extras you use (dental, vision, OTC, transportation) are part of the 2027 benefits.
• If you qualify for Medicaid or Extra Help, check D-SNP options too.

What is changing in Medicare itself for 2027?

A few program-wide changes are already confirmed by CMS and apply to every Part D plan, not just HealthSpring's:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33 (this is a formula input, not what any specific plan charges).
• The coverage gap was eliminated in 2025; Part D now has three phases.
• The Medicare Prescription Payment Plan remains available in 2027 for anyone who wants to spread drug costs across the year in monthly amounts.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them later in the fall, usually in November.

When is the deadline, and what happens if I do nothing?

The Annual Enrollment Period runs October 15 through December 7, 2026. Any change you make during that window takes effect January 1, 2027. If you do nothing, your current plan simply renews for 2027 — assuming it is being offered next year — with whatever changes are listed in its ANOC. There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, when someone already in a Medicare Advantage plan can make one change.