Devoted Health Medicare Advantage Plans Review
Devoted Health offers Medicare coverage with low premiums and plenty of extra perks in 20 states.
SeniorLiving.org is supported by commissions from providers listed on our site. Read our Editorial Guidelines
Devoted Health is a trusted insurance carrier that offers Medicare Advantage plans in 20 states across the country, but plans vary from one area to another. Still, we found that Devoted Health offers many benefits in addition to Original Medicare to eligible members.
If you’re looking to learn more about Devoted Health and its coverage options like dental, vision, and hearing, you’re in the right place. In this review, we’ll share with you what our experts think about Devoted Health, including its pros and cons, costs, and extra perks. We’ll also show you how it compares to the best Medicare Advantage plans.
Pro Tip: Want to find out if Devoted Health plans are available where you live? Use our Medicare Advantage search tool to compare options in your area.
Pros & Cons
Pros About Devoted Health
- Large service area: Due to the complexities of providing Medicare Advantage plans across state lines, few companies outside of the biggest carriers have large service areas. Devoted Health is one of the exceptions, as they serve subscribers in around 300 counties across 20 states.
- Low or no premiums: While some Devoted Health plans have monthly premiums, many do not. This means that you could access all the benefits of Medicare Advantage without having to pay an extra premium each month.
- Part B Giveback: Medicare beneficiaries may be required to pay Part B premiums with Original Medicare or Medicare Advantage. Some Devoted Health plans include a Part B Giveback that can put as much as $125 of your Part B premium back in your Social Security check.
Cons About Devoted Health
- No PFFS plans: Having access to different kinds of plans increases the chances that you can find a Medicare Advantage plan to meet your needs. Though Devoted Health offers both HMO and PPO plans, it does not offer private fee-for-service (PFFS) plans, which means that beneficiaries depend on a network of health care providers.
- Major variations between plans: It can be difficult to compare the offerings at Devoted Health because there is so much variation between plans. This can make it a little overwhelming when you’re shopping for Medicare Advantage, as your location and the specific plan you choose can have a significant impact on the costs and benefits.
- High out-of-network costs: While PPO plans from Devoted Health generally have lower out-of-network costs, most of the available plans are HMOs. As a result, the costs of seeking treatment out of network can be high.
Did You Know? Devoted Health was founded in 2017 and has built up a large base of Medicare Advantage customers in the years since.1
Available Devoted Health Medicare Advantage Plans
When shopping for a Medicare Advantage plan, most Medicare beneficiaries expect coverage that extends beyond Medicare Part A and Part B. Many Medicare Advantage plans offer prescription drug coverage. Routine dental, vision, and hearing are other common benefits that plan members can enjoy.
>> Learn More: Read our audiologist’s tips for choosing the right hearing aid for you.
The precise benefits you can expect will vary between plans. Below we’ll take a closer look at some of the most popular Devoted Health plans.
HMO Plans
Devoted Health has various HMO plans, such as Devoted Core, Premium, Prime, Essentials, and Giveback. All of these plans offer the same basic benefits; their differences are often the out-of-pocket costs. Despite the price differences, you can expect some form of prescription drug coverage, as well as dental, vision, hearing, and fitness with almost every Devoted Health plan.
FYI: Many of Devoted Health’s plans have no prescription drug deductible, which means you could save more when compared to a stand-alone Part D plan.
HMOs require you to use in-network doctors and facilities to ensure coverage. While you can still use out-of-network health care providers for urgent care or emergencies, you won’t have coverage for most other kinds of services. This is why many seniors and other beneficiaries opt for a PFFS plan, like the kind available through Humana. If you choose one of DevotedHealth’s HMO plans, you will need to use in-network providers or risk incurring high out-of-pocket costs. DevotedHealth HMO plans are better for seniors and other Medicare beneficiaries who are willing to stick to a set network of providers in exchange for lower copays and out-of-pocket maximums. If you’re looking for a PFFS plan, check out our Humana Medicare Advantage review.
PPO Plans
The majority of Devoted Health Medicare Advantage plans are HMOs, but there are also PPOs; namely, the Devoted Choice plan. With Devoted Choice, you can choose to see in-network or out-of-network providers. It’s important to note that out-of-network providers often come with higher copays, but PPO plans still offer coverage that makes out-of-network health care more affordable. This is the best solution if you like to travel or simply want more flexibility when choosing your doctors and specialists.
Extra Perks and Benefits
Devoted Health perks and benefits vary between different plans. Even Devoted Health plans offered in the same city can have vastly different benefits. In any case, here are some of the most common perks:
- Part B Giveback: While most plans do not offer the Part B Giveback, some Devoted Health plans put as much as $125 of your monthly Part B premium back into your Social Security check. This means you could cut your Part B premium by more than half.
- Dental and eyewear credit: Dental coverage amounts vary between plans. Some Devoted Health plans offer free preventive care and an annual credit, while other plans offer the credit only. Devoted Health provides most beneficiaries with a preloaded debit card worth anywhere between $1,250 and $2,000 per year — just for dental expenses. Some plans provide $1,250 per year for both dental care and eyewear.
- Over-the-counter credit: Expenses like toothpaste, vitamins, and other OTC purchases can add up. Most Devoted Health plans offer annual credits of around $65 per quarter for OTC costs.
- Fitness membership: Most Devoted Health plans include a free gym membership through SilverSneakers, along with a credit for fitness trackers and related equipment ($150 or possibly more per year).
- Healthy foods card: If you have a qualifying chronic health condition, you could be eligible for a prepaid card to help cover groceries (around $47 per month in most locations).
- Hearing benefits: Devoted Health covers routine hearing exams and hearing aid fittings at no cost and also offers some coverage for hearing aids (excluding copays), plus free hearing aid batteries.
- Rides to the doctor: Though not available with some plans, many beneficiaries are eligible to get unlimited rides to their primary care physician and up to 30 rides to approved locations.
- Medical alert device: Some Devoted Health plans offer eligible beneficiaries a medical alert device and monthly monitoring at no additional cost. In some areas, however, monitoring services will cost $19.95 a month.
>> Related Reading: Find out which companies offer the best dental plans for seniors with our 2025 guide.
The perks of Devoted Health’s Medicare Advantage plans are extensive, but it’s important to remember that their availability can vary depending on where you live. There are also some benefits that Devoted Health doesn’t offer. For example, if you like to travel frequently, you may be better off with a Kaiser Permanente Medicare Advantage plan that offers emergency coverage when traveling abroad.
How Much Do Devoted Health Medicare Advantage Plans Cost?
Since Devoted Health offers Medicare Advantage plans in dozens of cities across 20 states, the costs can vary substantially from one plan, person, and location to the next. Also, keep in mind that your individual costs will largely depend on the kind of care — and frequency of care — you require. Based on our research, here are the estimated costs of some of Devoted Health’s most popular plans in the tables below:
HMO Costs
| Devoted Essentials (HMO) | Devoted Core (HMO) | Devoted Premium (HMO) | *Devoted Giveback (HMO) | *Devoted Prime (HMO) | |
|---|---|---|---|---|---|
| Premium | $0 | $0 | $8.70 | $0-$25 | $32 |
| Annual out-of-pocket maximum | $4,900 | $3,900 | $3,900 | $6,750 | $3,400 |
| Medical deductible | $0 | $0 | $590 | $0 | $0 |
| Pharmacy deductible | $150 | $590 for tiers 3-5 only | $0 | $590 for tiers 3-5 only | $505 for tiers 3-5 only |
| PCP copay | $0 | $0 | $0 | $0 | $0 |
| Specialist copay | $20 | $5 | $0-$5 | $45 | $0 |
| Inpatient hospital copay | Day 1-6: $195 per day; day 7+: $0 | Day 1-5: $295 per day; day 6+: $0 | Day 1-5: $175 per day; day 6+: $0 | Day 1-6: $395 per day; day 7+: $0 | $0 per stay |
| Outpatient hospital copay | $0-$195 | $195 | $0-$175 | $395 | $0-$25 |
| Emergency room copay | $120 | $140 | $140 | $125 | $50 |
| Urgent care copay | $50 | $45 | $45 | $125 | $50 |
| Lab copay | $0-$40 | $0-$40 | $0-$40 | $0-$40 | $0-$25 |
| X-ray copay | $0-$150 | $0-$75 | $0-$75 | $0-$75 | $0-$25 |
| Diagnostic copay | $0-$195 | $0-$95 | $0-$95 | $0-$40 | $0-$25 |
| Hearing aid copay | $399-$699 | $399-$699 | $199-$499 | $0 copay for advanced aids, $299 for premium aids | $199 per advanced aid, $499 per aid for premium aids |
* All figures for the Essentials and Giveback reflect average prices in Hernando, Hillsborough, and Pasco Counties in Florida in 2025. The Devoted Core plan is available in Orange, Osceola, and Seminole counties, and Devoted Prime is available in Broward County, Florida.
PPO Costs
| Devoted Choice (PPO), in-network | Devoted Choice (PPO), out-of-network | |
|---|---|---|
| Premium | $0 | $0 |
| Annual out-of-pocket maximum | $5,300 | Combined in and out of network; $10,000 |
| Medical deductible | $0 | $0 |
| Pharmacy deductible | $0 for tiers 1 and 2, $590 for tiers 3-5 | $8,950 |
| PCP copay | $0 | 40% of total cost |
| Specialist copay | $45 | $60 |
| Inpatient hospital copay | Day 1-6: $275 per day; day 6+: $0 | Day 1-6: $275 per day; day 6+: $0 |
| Outpatient hospital copay | $95 for diagnostic tests, $0 to $550 depending on services | $95 for diagnostic tests, $0 to $550 depending on services, although rates may be higher out of network |
| Emergency room copay | $125, waived if admitted to hospital | $125, waived if admitted to hospital |
| Urgent care copay | $45 | $45 |
| Lab copay | $0-$25 | 40% of the full cost |
| X-ray copay | $0-$300 | 40% of the full cost |
| Diagnostic copay | $0-$95 depending on services, $0-$300 for diagnostic radiology depending on services | 40% of the full cost |
| Hearing aid copay | $399-$699 | $399-$699 |
Where Are Devoted Health Medicare Advantage Plans Available?
In 2024, Devoted Health announced that they served more than 227,000 members across 20 states.2 These states include:
- Alabama
- Arkansas
- Arizona
- Colorado
- Florida
- Georgia
- Hawaii
- Illinois
- Indiana
- Kentucky
- Missouri
- Mississippi
- North Carolina
- Ohio
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Washington
For a complete list of counties where Devoted Health Medicare Advantage plans are available, be sure to consult Devoted Health's service area guide.
Reviews and Ratings
We have provided a lot of information on Devoted Health’s Medicare Advantage plans, but you should still do your own research before making a decision. You can find various trustworthy third-party organizations that specifically rate Medicare Advantage businesses and plans. For instance, the Centers for Medicare & Medicaid Services (CMS) gave Devoted Health’s Ohio Medicare Advantage plans five out of five stars in their first year of eligibility, and their Arizona plans received four out of five stars in their first year of eligibility. The CMS considers a wide range of factors when awarding a star rating, including the quality of care and customer service, which means that these plans exceed expectations in many different areas.
Customer Service
Subscribers can call or text Devoted Health but the company does not currently offer an option to chat online with support agents. Devoted Health uses different terms for their agents based on the way you choose to contact them. Agents known as “Devoted Guides” can be contacted by phone according to the following schedule:
- 8 a.m. to 8 p.m., seven days a week (October to March)
- 8 a.m. to 8 p.m., Monday through Friday, and 8 a.m. to 5 p.m., Saturday (April to September)
You can also text support agents, known as “Digital Guides,” any time from 8 a.m. to 8 p.m., Monday to Friday, and 8 a.m. to 4:30 p.m. on Saturday. Both kinds of agents have extensive knowledge about Devoted Health plans and enrollment options, so you can access the same information via phone or text.
Devoted Health vs. the Competition
Devoted Health Medicare Advantage plans were rated 4.26 out of five stars in 2025 by the Centers for Medicare & Medicaid Services, which is above the industry average rating of 3.96.3 That rating is higher than Anthem, Cigna, Humana, Wellcare, and AARP (UnitedHealthcare).
As a newer carrier, Devoted Health is not offered in nearly as many states as Humana, UnitedHealthcare, and Anthem, three big players in the insurance industry. But Devoted Health is growing rapidly, going from offering Medicare Advantage plans in 13 states in 2023 to 20 states in 2025. In 2025, Devoted Health has already added seven more states to their roster.
Did You Know? More than 6 in 10 seniors don’t compare plans during Medicare’s open enrollment period, according to the Kaiser Family Foundation.4 Learn more about Medicare Advantage plans available in your area with our guide to the best Medicare Advantage plans in 2025.
Our research shows that Devoted Health does not have as extensive a provider network as UnitedHealthcare, and Devoted costs might be a little higher than Cigna’s. In addition, customer satisfaction rates tend to be higher with Cigna and Kaiser Medicare Advantage plans compared with Devoted Health’s.
Devoted Health has some poor reviews on third-party sites, but this is pretty typical for health care and insurance providers, unfortunately. Some reviews on the Better Business Bureau website said their Food & Home card did not pay for as much as they expected and another reviewer said they did not receive their “giveback” money for Part B premiums.
The company has many positive reviews on TrustPilot, however, with some writing that claims were settled quickly and customer service was helpful and efficient. One TrustPilot reviewer said they paid twice as much in premiums and copays with their previous Medicare Advantage carrier than they do with Devoted Health.
FYI: Want to increase your safety as you age in place? Read our 2025 guide to emergency medical alert systems.
Again, it’s important to take some time comparing your options for specific plans available in your area. Speak to customer service agents, ask friends and family for recommendations, and read patient reviews online.
Our Methodology: Devoted Health Medicare Advantage
Our team of senior experts spent 50 hours researching Devoted Health Medicare Advantage plans and speaking with customer service agents to gain a thorough understanding of what this insurer offers older adults. We conducted a careful examination of plan availability, benefits, limitations, and customer service to help you decide whether Devoted Health is right for you.
- Availability: Many companies offer Medicare Advantage plans in a limited number of states, counties, and cities. We look for companies with wide availability or that are expanding to serve more subscribers.
- Plan variety: Medicare Advantage plans tend to have some similarities, but also major differences. We thoroughly research each company’s HMOs and PPOs, and carriers that offer plans specifically for people who want more freedom to choose a provider (such as a PFFS plan) or for people with chronic illnesses or disabilities (such as an SNP). We look for carriers that offer the most diverse plans to meet the unique needs of Medicare beneficiaries.
- Plan ratings: We review the Centers for Medicare and Medicaid Services (CMS) ratings of individual plans. The ratings are based primarily on member wellness and experience, as well as the number of members who choose to keep their plan from one year to the next.
- Premiums: With many older adults on a budget, we look for Medicare Advantage carriers that offer quality plans with no or low-cost premiums. Most Devoted Health plans, in fact, have $0 premiums, as well as maximum out-of-pocket limits of under $5,000 per year.
- Deductibles and copays: Some Medicare Advantage plans come with $0 premiums but charge sizable copays for specialists, tests, and hospital stays. We thoroughly research these costs to give you an accurate picture of what you can expect with Devoted Health.
- Prescription drug coverage: Medicare Advantage plans offer some prescription drug coverage without the need to sign up for a separate Part D plan, so we review Devoted Health’s drug benefits in each plan.
- Vision, hearing, and dental: Medicare Advantage carriers might offer just one of these extra benefits or all three, depending on the plan and what’s available in your area. Because these extras might be important to Medicare beneficiaries, we give you the rundown on these benefits so you can decide whether you might need an additional private plan for specific types of care.
- Discounts and perks: Typical discounts and perks of Medicare Advantage plans can include a fitness benefit, counseling programs, and deals on over-the-counter (OTC) products. Carriers that include such discounts and perks get extra points in our evaluations.
- Customer service: Kind, helpful, and knowledgeable service agents can have a massive impact on customer experience. We tested Devoted Health’s customer service by talking to representatives on the phone and via online chat to gauge the kind of service you can expect from this carrier.
- Carrier reputation: Finally, we considered the carrier’s reputation as a dependable insurance company. We looked at their ratings from trusted organizations such as the Better Business Bureau, AM Best, and S&P Global.
Final Thoughts on Devoted Health Medicare Advantage Plans
Devoted Health combines the convenience of a relatively large service area with low up-front costs. Many of its plans have no premiums or medical deductibles, potentially saving you money compared to Original Medicare. Plus, many plans come with unique benefits like free rides to your doctor and credits toward over-the-counter medications. If it’s available in your area and you’re looking for a well-rounded Medicare Advantage plan, Devoted Health could be a great option for you.
-
Crunchbase. (2025). Devoted Health.
-
Devoted Health. (2024). Devoted Health Raises Additional Funding to Support World-Class Healthcare Services for Older Americans.
-
Centers for Medicare & Medicaid Services. (2025). Part C and D Performance Data.
-
Kaiser Family Foundation. (2024). Nearly 7 in 10 Medicare Beneficiaries Did Not Compare Plans During Medicare’s Open Enrollment Period.