Devoted Health is one of the fastest-growing names in Medicare. If you’re comparing options this enrollment season, this guide explains how Devoted Medicare Advantage works, what it covers, where it’s available, and what to weigh before you switch plans for 2027.
1. What Is Devoted Health Medicare Advantage?
Devoted Medicare Advantage is a private Medicare Part C insurance program that provides Medicare Part A (hospital) and Part B (medical) benefits through plans offered by Devoted Health.
Depending on the plan, coverage may also include prescription drugs, dental care, vision services, and other benefits.
Devoted Health focuses on Medicare Advantage rather than Medigap or standalone Medicare Part D plans. Its approach includes personalized member support, care guidance, and additional healthcare services that vary by plan.
So, what states is Devoted Health Medicare Advantage in? Devoted Health offers plans in select U.S. counties, with availability depending on your ZIP code.
Its announced 2027 expansion includes additional states, but specific plans and benefits may differ by location. Visit the official Devoted Health website to check coverage in your area.
2. What Devoted Medicare Advantage Covers?
Every Medicare Advantage plan must cover everything Original Medicare covers. Here’s what Devoted Health Medicare Advantage covers on top of that, depending on the plan:
- Hospital and medical services: Inpatient stays, doctor visits, outpatient care, and preventive services
- Prescription drug coverage: Most plans include Part D, but some “MA only” plans don’t
- Dental, vision, and hearing: Dental allowances, routine eye and hearing exams, glasses or contacts, and hearing aids
- Over-the-counter (OTC) allowance: Money for items like vitamins and toothpaste on many plans
- Food & Home Card: A monthly amount for groceries, rent, mortgage, or utilities for eligible members
- Fitness and other extras: SilverSneakers, a medical alert device, and other wellness benefits
Benefits and amounts vary by plan and county. The Food & Home Card isn’t available to every member. On most non-D-SNP plans, it’s a special benefit for members with certain chronic conditions, such as diabetes or high blood pressure, and all plan criteria must be met.
3. Types of Devoted Medicare Advantage Plans
Devoted Health Medicare Advantage plans come in several types. The right one depends on how you use your doctors and whether you qualify for a special needs plan.
| Plan Type | Network Rules | Best Fit For |
| HMO | Use in-network providers, except for emergencies | People who want lower costs and are happy with local network doctors |
| PPO | See in- or out-of-network providers without referrals | People who want more flexibility in choosing doctors |
| D-SNP (HMO or PPO) | Network rules depend on plan; coordinates with Medicaid | People eligible for both Medicare and Medicaid |
| C-SNP (HMO or PPO) | Network rules depend on plan; built around chronic care | People with qualifying chronic conditions |
Some markets also offer “Giveback” HMO plans, which reduce your Part B premium. Others offer MA-only plans without drug coverage.
>>> Read more: Medicare Part B Covers: What’s Included and Excluded in 2026?
4. How Much Does Devoted Medicare Advantage Cost?
Devoted Medicare Advantage plans may have $0 monthly premiums, but actual costs depend on your plan and location. Common expenses include:
- Monthly premium: Some plans cost $0, while others charge a monthly fee.
- Medicare Part B premium: The standard premium is $202.90 per month in 2026, unless assistance or a plan giveback reduces your cost.
- Out-of-pocket costs: Deductibles, copays, and coinsurance vary by plan. Each plan has an annual limit on covered Part A and Part B services.
A $0 premium doesn’t mean free healthcare. Check your ZIP code on Medicare.gov for specific plan costs.
5. Is Devoted Medicare Advantage a Good Plan?
Whether Devoted Health Medicare Advantage is a good fit depends on where you live and which doctors you use. Here’s a balanced look at the strengths and weaknesses.
Pros of Devoted Health
- Competitive premiums: Many plans have a $0 premium.
- Supplemental benefits: Dental allowances, OTC money, and the Food & Home Card for eligible members.
- Strong CMS ratings for some contracts: NerdWallet reports a 4.19 weighted average star rating for 2026, compared with 3.98 across all plans.
Cons of Devoted Health
- Limited geographic availability: Plans are offered only in selected counties.
- Provider network restrictions: HMO members generally must use in-network doctors.
- Potentially higher out-of-pocket costs and compliance issues: In May 2026, CMS penalized Devoted after finding some enrollees were charged more than their annual out-of-pocket limits. Many newer plans also don’t have star ratings yet.
6. Who Qualifies for Devoted Medicare Advantage?
To qualify for Devoted Health Medicare Advantage, you must have Medicare Part A and Part B and live in an area where Devoted offers coverage. Other requirements include:
- Meet applicable U.S. citizenship or lawful presence requirements.
- Qualify for any plan-specific conditions. D-SNPs require Medicare and Medicaid eligibility, while C-SNPs require a qualifying chronic condition.
- Enroll during an eligible period, such as the Initial Enrollment Period, Annual Enrollment Period (October 15 to December 7), or a Special Enrollment Period.
If your plan offers a Part B giveback, you must still maintain Medicare Part B coverage and pay any remaining premium.
7. How to Enroll in Devoted Medicare Advantage
Signing up for Devoted Health Medicare Advantage takes just a few steps:
- Visit Devoted Health’s official website. Go to devoted.com, or call Devoted directly.
- Enter your ZIP code. This shows only the plans offered in your county.
- Compare benefits, costs, and networks. Check premiums, copays, the out-of-pocket maximum, drug coverage, and whether your doctors are in network.
- Check eligibility and apply. Confirm you have Parts A and B, then submit your application online or by phone.
The Medicare Annual Enrollment Period runs from October 15 to December 7. Coverage you choose during this window starts January 1, 2027. You can also enroll through Medicare.gov’s Plan Finder or a licensed agent.
>>> Read more: Humana Medicare Advantage Transportation Coverage Cancellation: 2026–2027 Update
8. FAQs
Is Devoted Health a legitimate Medicare insurer?
Yes. Devoted Health Medicare Advantage plans are HMO and PPO plans with a Medicare contract. Its D-SNPs also contract with state Medicaid programs.
Can I keep my current doctor if I switch to Devoted?
Only if your doctor is in the plan’s network, or if you choose a PPO plan. Out-of-network providers aren’t required to treat PPO members except in emergencies.
What happens if I move to a state where Devoted is not offered?
You’ll need a new plan. Moving out of your service area usually gives you a Special Enrollment Period to choose other coverage.
Which company has the best Medicare Advantage plan?
It depends on your location and needs. In the 2027 U.S. News ratings, Kaiser Permanente ranked as the best overall Medicare Advantage company. Always compare plans available in your ZIP code.
9. Final Thoughts
Devoted Medicare Advantage offers strong extras and competitive premiums, and it’s expanding into more states for 2027. Still, availability, networks, and out-of-pocket costs vary widely. Compare plans by ZIP code and review your doctors and drugs before December 7.
