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Devoted PREMIUM Florida (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Devoted PREMIUM Florida (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Devoted PREMIUM Florida (HMO) in 2025, please refer to our full plan details page.
Devoted PREMIUM Florida (HMO) is a HMO plan offered by Devoted Health, Inc. available for enrollment in 2025 to people living in South & Central Florida. This plan received an overall rating of 4.5 out of 5 stars in 2025.
It's important to know that Devoted PREMIUM Florida (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 PREMIUM Florida (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 PREMIUM Florida (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $8.70. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your 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 $590.00 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 PREMIUM Florida (HMO) plan has a $590 deductible for prescription drugs. After the deductible, you will pay for your prescriptions based on the drug tier and pharmacy you use. For preferred generic drugs, there is no copay if using a standard or mail-order pharmacy. For standard generic, preferred brand, and non-preferred drugs, you pay 25% coinsurance at a standard or mail-order pharmacy. Once your yearly out-of-pocket drug costs reach $2000, you pay nothing for covered drugs.
Additional Benefits
The Devoted PREMIUM Florida (HMO) plan offers comprehensive coverage, including inpatient and outpatient hospital services, with varying copays depending on the service. It also provides coverage for emergency services, primary care with no copays for many services, preventive services, and home health services with no copay or coinsurance. The plan includes vision, hearing, and dental benefits, with a $500 annual limit for dental. This plan provides coverage for ambulance, home infusion, dialysis, and medical equipment, with copays and coinsurance varying by service. It also offers coverage for diagnostic and radiological services, and skilled nursing facilities. However, there are limitations on certain services like some outpatient services, and additional services are not covered, such as orthodontic services and some other services.
Inpatient Hospital See details
Inpatient Hospital services are covered, including Inpatient Hospital-Acute and Inpatient Hospital Psychiatric. For Inpatient Hospital-Acute, you will pay a $175 copay for days 1-5, and no copay for days 6-90, with no coinsurance. For Inpatient Hospital Psychiatric, you will pay a $175 copay for days 1-5, and no copay for days 6-90, with no coinsurance. Additional Days for Inpatient Hospital-Acute are covered, but Non-Medicare-covered Stay and Upgrades for Inpatient Hospital-Acute, as well as Additional Days and Non-Medicare-covered Stay for Inpatient Hospital Psychiatric, are not covered.
Outpatient Services See details
Outpatient Services include coverage for Outpatient Hospital Services with a copay between $0 and $175, Observation Services with a $175 copay, and Ambulatory Surgical Center (ASC) Services with no copay. Outpatient Substance Abuse Services are not covered, and Outpatient Blood Services are covered.
Partial Hospitalization See details
Partial Hospitalization is covered under the Devoted PREMIUM Florida (HMO) plan, but requires prior authorization. You will have a $50 copay for this benefit.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are covered by the Devoted PREMIUM Florida (HMO) plan. Ground ambulance services have a copay between $0 and $300, while air ambulance services have a 20% coinsurance; however, transportation services to any health-related location are not covered.
Emergency Services See details
Emergency Services, Urgently Needed Services, and Worldwide Emergency Services are covered by the Devoted PREMIUM Florida (HMO) plan. Emergency Services has a $140 copay, while Urgently Needed Services has a copay between $0 and $45. Worldwide Emergency Coverage and Worldwide Urgent Coverage have a $140 copay, while Worldwide Emergency Transportation has a $300 copay and 20% coinsurance.
Primary Care See details
Primary Care services are covered, including Primary Care Physician Services, Occupational Therapy Services, Physician Specialist Services, Other Health Care Professional, Physical Therapy, Speech-Language Pathology, Additional Telehealth Benefits, and Opioid Treatment Program Services. The plan does not cover Routine Chiropractic Care, Individual Sessions for Mental Health Specialty Services, Group Sessions for Mental Health Specialty Services, Podiatry Services, Individual Sessions for Psychiatric Services, and Group Sessions for Psychiatric Services. Occupational Therapy Services and Physical Therapy and Speech-Language Pathology Services have a copay between $0 and $50, while all other covered services have no copay.
Preventive Services See details
Preventive services include coverage for Medicare-covered preventive services, annual physical exams, health education, personal emergency response systems, weight management programs, alternative therapies, nutritional/dietary benefits, fitness benefits, home and bathroom safety devices, kidney disease education services, glaucoma screening, diabetes self-management training, barium enemas, digital rectal exams, and EKGs following the welcome visit. However, in-home safety assessments, medical nutrition therapy, post-discharge in-home medication reconciliation, readmission prevention, wigs for hair loss related to chemotherapy, therapeutic massage, adult day health services, home-based palliative care, in-home support services, support for caregivers, additional sessions of smoking and tobacco cessation counseling, enhanced disease management, telemonitoring services, remote access technologies, and counseling services are not covered.
Hearing Services See details
The Devoted PREMIUM Florida (HMO) plan covers hearing exams, including routine hearing exams (1 per year) and fitting/evaluation for hearing aids, with no deductible. Prescription hearing aids (all types) are covered with a copay between $199 and $499. Prescription hearing aids - Inner Ear, Outer Ear, and Over the Ear, as well as OTC hearing aids are not covered.
Vision Services See details
Devoted PREMIUM Florida (HMO) covers vision services, including routine eye exams once per year. This plan also covers eyewear with a combined maximum benefit of $500 every year, contact lenses, eyeglasses (lenses and frames), eyeglass lenses, eyeglass frames, and upgrades.
Dental Services See details
The Devoted PREMIUM Florida (HMO) plan covers a maximum of $500 per year for dental services, including oral exams, dental x-rays, and other diagnostic and preventive services, with no copay or coinsurance. Orthodontic services are covered under Diagnostic and Preventive Dental. Maxillofacial Prosthetics, Implant Services, and Orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered, but require prior authorization. Medicare Part B Insulin Drugs have a $35 copay with 20% coinsurance. Medicare Part B Chemotherapy/Radiation Drugs and Other Medicare Part B Drugs have 0-20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Devoted PREMIUM Florida (HMO) plan, with a coinsurance of 20%.
Medical Equipment See details
Medical Equipment coverage includes Durable Medical Equipment with a 0-50% coinsurance and no copay, and Prosthetics/Medical Supplies with coinsurance for Medicare-covered devices and supplies, but Durable Medical Equipment for use outside the home and Diabetic Supplies and Therapeutic Shoes/Inserts are not covered. Diabetic Equipment requires prior authorization.
Diagnostic and Radiological Services See details
Diagnostic and Radiological Services include coverage for all diagnostic services, lab services with no copay, and outpatient X-ray services with no copay. Diagnostic Procedures/Tests have a copay between $0 and $95, while diagnostic radiological services have a maximum copay of $300, and therapeutic radiological services have a coinsurance of at least 20%.
Home Health Services See details
Home Health Services are covered by Devoted PREMIUM Florida (HMO) with no copay and no coinsurance. Additional hours of care and personal care services are not covered.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are technically covered, but none of the sub-services, including Cardiac Rehabilitation Services, Intensive Cardiac Rehabilitation Services, Pulmonary Rehabilitation Services, and SET for PAD Services, are covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by the Devoted PREMIUM Florida (HMO) plan, but require prior authorization. For days 1-20, there is no copay, and for days 21-100, the copay is $214. Additional days beyond Medicare-covered and non-Medicare-covered stays for SNF are not covered.
Other Services See details
Other Services include some benefits that are not covered, including acupuncture, over-the-counter items, and meal benefits. The plan also does not cover Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) Services, Private Duty Nursing Services, Case Management (Long Term Care), Institution for Mental Disease Services for Individuals 65 or Older, Services in an Intermediate Care Facility for Individuals with Intellectual Disabilities, Case Management, Tobacco Cessation Counseling for Pregnant Women, Freestanding Birth Center Services, Respiratory Care Services, Family Planning Services, Nursing Home Services, Home and Community Based Services, Personal Care Services, and Self-Directed Personal Assistance Services.
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