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DEVOTED PREMIUM 044 FL (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for DEVOTED PREMIUM 044 FL (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on DEVOTED PREMIUM 044 FL (HMO) in 2026, please refer to our full plan details page.
DEVOTED PREMIUM 044 FL (HMO) is a HMO plan offered by Devoted Health, Inc. available for enrollment in 2025 to people living in Clay, Duval, Nassau, Lake, Marion, Sumter, Manatee. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that DEVOTED PREMIUM 044 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 PREMIUM 044 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 PREMIUM 044 FL (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $1.20. 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 PREMIUM 044 FL (HMO) Medicare plan features an annual prescription drug deductible of $615. For Tier 1 preferred generic and Tier 2 generic drugs, members pay no copay for one-month, two-month, or three-month supplies at standard pharmacies and through standard mail order. For higher-tier medications, the plan requires a 25% coinsurance for Tier 3 preferred brand drugs and Tier 4 non-preferred drugs across one-month, two-month, and three-month fills. Tier 5 specialty drugs also require a 25% coinsurance for a one-month supply at standard pharmacies or via standard mail order.
Additional Benefits
The DEVOTED PREMIUM 044 FL (HMO) plan offers comprehensive coverage for essential medical services, with many benefits requiring no copay and no coinsurance. Members enjoy no copay for primary care doctor visits, home health services, and routine preventive care, while specialist visits and diagnostic lab tests feature minimal copays. For hospital care, inpatient stays require a $150 daily copay for the first six days, followed by no copay for remaining days, all with no coinsurance. This plan also provides valuable supplemental coverage for dental, vision, and hearing services to help lower your out-of-pocket costs. Routine vision and hearing exams feature low copays with no coinsurance, and members receive up to a $150 annual eyewear allowance and up to a $1,500 dental maximum. While most services feature no coinsurance, certain specialized treatments like dialysis and therapeutic radiology will require a 20% coinsurance.
Inpatient Hospital See details
DEVOTED PREMIUM 044 FL (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a copay of $150 per day for days 1 through 6 and no copay for days 7 through 90. Prior authorization is required for these services, and hospital upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
DEVOTED PREMIUM 044 FL (HMO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services which have no copay. Outpatient hospital services require a $0 to $150 copay, observation services have a $150 copay per stay, and outpatient substance abuse sessions require a $10 copay, all with no coinsurance.
Partial Hospitalization See details
DEVOTED PREMIUM 044 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 PREMIUM 044 FL (HMO) covers ground ambulance services with a copay of $0 to $300 and no coinsurance, and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. For transportation benefits, some services are covered, but transportation to plan-approved health-related locations and any health-related locations is not covered.
Emergency Services See details
DEVOTED PREMIUM 044 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. Urgently needed services range from no copay to a $45 copay with no coinsurance, and worldwide emergency services are covered up to $25,000 with copays of $150 to $300 and 20% coinsurance for emergency transportation.
Primary Care See details
DEVOTED PREMIUM 044 FL (HMO) offers primary care physician services with no copay and no coinsurance, and specialist visits with a $0 to $10 copay and no coinsurance. Therapy, mental health, and psychiatric services feature no coinsurance and copays ranging from $0 to $50, though podiatry is not covered, and for chiropractic services, some services are covered but routine and other chiropractic services are not covered.
Preventive Services See details
DEVOTED PREMIUM 044 FL (HMO) offers coverage for preventive services, such as annual physicals, kidney disease education, and fitness benefits, with no copay and no coinsurance. However, this benefit is only partially covered, as services like in-home safety assessments, personal emergency response systems, medical nutrition therapy, therapeutic massage, and in-home support are not covered.
Hearing Services See details
Hearing Services are covered by DEVOTED PREMIUM 044 FL (HMO) with a $10 copay and no coinsurance for routine annual hearing exams and unlimited fitting evaluations. Prescription hearing aids are partially covered with no coinsurance and a copay ranging from $199 to $499 for up to two aids per year, though OTC, inner ear, outer ear, and over the ear hearing aids are not covered.
Vision Services See details
DEVOTED PREMIUM 044 FL (HMO) partially covers vision services with no deductibles, though other eye exam services are not covered. Covered benefits include one routine eye exam per year with a $0 to $10 copay and no coinsurance, and eyewear up to a $150 yearly limit with no copay and no coinsurance.
Dental Services See details
DEVOTED PREMIUM 044 FL (HMO) offers partially covered dental services, excluding maxillofacial prosthetics, implant services, and orthodontics. Medicare-covered dental services require a $10 copay and no coinsurance, while other covered preventive and comprehensive dental benefits feature no copay and 0% to 50% coinsurance up to a $1,500 annual maximum.
Home Infusion bundled Services See details
Home infusion bundled services are covered by DEVOTED PREMIUM 044 FL (HMO) with no copay, though prior authorization and step therapy are required. Associated Medicare Part B chemotherapy, radiation, and other drugs incur no coinsurance to 20% coinsurance, while Part B insulin requires a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
DEVOTED PREMIUM 044 FL (HMO) covers Dialysis Services with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
Medical equipment is partially covered by DEVOTED PREMIUM 044 FL (HMO) with no copay, though diabetic therapeutic shoes and inserts are not covered. Covered durable medical equipment and diabetic supplies carry no coinsurance to 50% coinsurance, while prosthetics and medical supplies carry no coinsurance to 20% coinsurance.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by DEVOTED PREMIUM 044 FL (HMO) with prior authorization required. Diagnostic tests and procedures feature no coinsurance and copays from $0 to $95, lab services and outpatient X-rays have no copay, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered under the DEVOTED PREMIUM 044 FL (HMO) plan with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered under the DEVOTED PREMIUM 044 FL (HMO) plan, as cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) services are all not covered.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) services are covered by DEVOTED PREMIUM 044 FL (HMO) with no coinsurance and do not require a prior three-day inpatient hospital stay, though prior authorization is required. There is no copay for days 1 through 20, a $218 copay for days 21 through 100, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
DEVOTED PREMIUM 044 FL (HMO) partially covers other services, providing over-the-counter (OTC) items and additional preventive services with no copay and no coinsurance. Acupuncture and meal benefits are not covered under this plan.
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