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DEVOTED CORE 005 FL (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for DEVOTED CORE 005 FL (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on DEVOTED CORE 005 FL (HMO) in 2026, please refer to our full plan details page.
DEVOTED CORE 005 FL (HMO) is a HMO plan offered by Devoted Health, Inc. available for enrollment in 2025 to people living in Osceola, Seminole, and Orange Counties. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that DEVOTED CORE 005 FL (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about DEVOTED CORE 005 FL (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For DEVOTED CORE 005 FL (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $7.80. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The DEVOTED CORE 005 FL (HMO) Medicare plan features an annual prescription drug deductible of $615. Beneficiaries enjoy excellent savings on generic medications, with no copay required for Tier 1 (Preferred Generic) and Tier 2 (Generic) drugs filled at standard pharmacies or through standard mail order for up to a three-month supply. For brand-name and non-preferred medications, the plan requires a 25% coinsurance for Tier 3 (Preferred Brand) and Tier 4 (Non-Preferred Drug) prescriptions. Specialty medications in Tier 5 also carry a 25% coinsurance for a one-month supply when using standard retail pharmacies or standard mail-order services.
Additional Benefits
The DEVOTED CORE 005 FL (HMO) plan offers affordable access to essential medical care, featuring no copay for primary care visits and low copays ranging from no copay up to $5 for specialist visits. Inpatient hospital stays require a $195 daily copay for the first five days and no copay thereafter, while emergency room visits carry a $150 copay that is waived if you are admitted. Outpatient hospital services, diagnostic lab tests, and routine X-rays are also highly accessible, with many of these services requiring no copay and no coinsurance. For routine wellness, this plan provides coverage for dental, vision, and hearing needs, including no copay for preventive dental care up to a $1,500 annual limit and up to $350 for eyewear. Routine hearing exams require a low $5 copay, and home health services are covered with no copay and no coinsurance. Additionally, skilled nursing facility care features no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
Inpatient hospital care is covered by DEVOTED CORE 005 FL (HMO) with no coinsurance, requiring a $195 daily copay for days 1 to 5 and no copay for days 6 to 90 per stay. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
DEVOTED CORE 005 FL (HMO) covers outpatient services with no coinsurance, including outpatient hospital services with a $0 to $195 copay and observation services with a $195 copay per stay. Ambulatory surgical center and outpatient blood services are covered with no copay and no coinsurance, while outpatient substance abuse individual and group sessions require a $5 copay and no coinsurance.
Partial Hospitalization See details
DEVOTED CORE 005 FL (HMO) covers partial hospitalization services with a $55.00 copay and no coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
DEVOTED CORE 005 FL (HMO) covers ambulance services with prior authorization, requiring either no copay to a $300 copay (with no coinsurance) for ground ambulance services, or a 20% coinsurance (with no copay) for air ambulance services. Plan-approved and health-related transportation services are not covered.
Emergency Services See details
DEVOTED CORE 005 FL (HMO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, and urgently needed services with no copay to a $45 copay and no coinsurance. Worldwide emergency and urgent care are also covered up to a $25,000 maximum with a $150 copay and no coinsurance, while worldwide emergency transportation requires a $300 copay and 20% coinsurance.
Primary Care See details
DEVOTED CORE 005 FL (HMO) provides primary care physician services with no copay and no coinsurance, and specialist visits with a $0 to $5 copay and no coinsurance. Therapy services range from a $0 to $50 copay, while mental health, psychiatric, and telehealth services feature copays up to $45 with no coinsurance, though podiatry and chiropractic services are not covered.
Preventive Services See details
DEVOTED CORE 005 FL (HMO) partially covers preventive services with no copay and no coinsurance for covered care like annual exams, fitness benefits, and health education. However, several sub-services are not covered, including in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, re-admission prevention, wigs, therapeutic massage, adult day health, palliative care, in-home support, caregiver support, smoking cessation, disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
Hearing services are partially covered by DEVOTED CORE 005 FL (HMO), offering routine hearing exams for a $5.00 copay and no coinsurance, with no deductible. Prescription hearing aids have a copay ranging from $199.00 to $499.00 and no coinsurance, but OTC hearing aids and inner ear, outer ear, or over the ear prescription models are not covered.
Vision Services See details
Vision services are partially covered under the DEVOTED CORE 005 FL (HMO) plan, as other eye exam services are not covered. Covered benefits include one routine eye exam per year with no copay to a $5 copay and no coinsurance, as well as eyewear covered with no copay and no coinsurance up to a $350 annual limit for contacts, frames, lenses, and upgrades.
Dental Services See details
Dental Services are partially covered by DEVOTED CORE 005 FL (HMO), featuring a $1,500 annual maximum for preventive care with no copay or coinsurance and comprehensive services with no copay and 0% to 50% coinsurance. Medicare-covered dental services require a $5 copay with no coinsurance, while maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
DEVOTED CORE 005 FL (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Covered Medicare Part B drugs, including chemotherapy and insulin, carry a coinsurance ranging from no coinsurance up to 20%, with insulin drugs also requiring a $35 copay.
Dialysis Services See details
DEVOTED CORE 005 FL (HMO) covers dialysis services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
DEVOTED CORE 005 FL (HMO) partially covers medical equipment with no copays, requiring prior authorization and coinsurance ranging from no coinsurance up to 50% depending on the item. Durable medical equipment, prosthetics, and diabetic supplies are covered, but diabetic therapeutic shoes and inserts are not covered under this plan.
Diagnostic and Radiological Services See details
DEVOTED CORE 005 FL (HMO) covers diagnostic and radiological services with prior authorization required, offering lab services and outpatient X-rays at no copay and no coinsurance. Diagnostic procedures and tests carry a copay of $0 to $95 with no coinsurance, while therapeutic radiological services require a 20% coinsurance.
Home Health Services See details
Home health services are covered by DEVOTED CORE 005 FL (HMO) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by DEVOTED CORE 005 FL (HMO) with no coinsurance and a $5 copay, although some services are not covered, including cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) rehabilitation.
Skilled Nursing Facility (SNF) See details
DEVOTED CORE 005 FL (HMO) covers Skilled Nursing Facility (SNF) care with no coinsurance, requiring prior authorization but no prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered period are not covered.
Other Services See details
DEVOTED CORE 005 FL (HMO) offers partial coverage for other services, providing additional preventive services not covered by Medicare with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, and meal benefits are not covered under this plan.
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