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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.
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 $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 drug deductible of $615. For Tier 1 (Preferred Generic) and Tier 2 (Generic) medications, there is no copay for 1-month, 2-month, or 3-month supplies filled at standard pharmacies or through standard mail order. For higher-tier medications, the plan charges a percentage of the drug cost rather than a flat fee. Tier 3 (Preferred Brand) and Tier 4 (Non-Preferred Drug) prescriptions require a 25% coinsurance for 1-month, 2-month, or 3-month supplies. Tier 5 (Specialty Tier) drugs also carry a 25% coinsurance, which is limited to a 1-month supply.
Additional Benefits
The DEVOTED PREMIUM 044 FL (HMO) plan offers robust coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a $150 daily copay for days one through six and no copay for days seven through 90. Outpatient services feature no coinsurance, with copays ranging from no copay up to $150 depending on the specific service. Specialist visits and routine vision exams are highly affordable, ranging from no copay to a $15 copay. Dental care includes preventive services with no copay and comprehensive coverage up to $1,500 annually with no copay and up to 50% coinsurance. Additionally, durable medical equipment is covered with no copay and 20% to 50% coinsurance, while routine hearing exams require a $15 copay.
Inpatient Hospital See details
DEVOTED PREMIUM 044 FL (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $150 daily copay for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as 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 outpatient blood services with no copay. Outpatient hospital services have a $0 to $150 copay, observation services carry a $150 copay per stay, and outpatient substance abuse sessions require a $15 copay.
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
Ambulance and transportation services are covered by DEVOTED PREMIUM 044 FL (HMO), with ground ambulance requiring prior authorization and a copay between no copay and $350 plus coinsurance, and air ambulance requiring prior authorization, 20% coinsurance, and a copay. Some transportation services are covered, but transportation to plan-approved or 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 feature no copay to a $45 copay with no coinsurance, while worldwide emergency services are covered up to $25,000 with a $150 copay for emergency or urgent care and a $350 copay plus 20% coinsurance for emergency transportation.
Primary Care See details
DEVOTED PREMIUM 044 FL (HMO) covers primary care physician services with no copay and no coinsurance, and specialist visits with a $0 to $15 copay and no coinsurance. Physical, occupational, and speech therapies have a $0 to $50 copay and no coinsurance, while mental health and psychiatric services require a $15 copay and no coinsurance. Podiatry and routine chiropractic services are not covered.
Preventive Services See details
Preventive Services are partially covered by DEVOTED PREMIUM 044 FL (HMO) with no copay and no coinsurance for covered care such as annual physicals, kidney disease education, and fitness benefits. Non-covered services include in-home safety assessments, personal emergency response systems, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, chemotherapy wigs, therapeutic massage, adult day health, home palliative care, in-home support, caregiver support, extra tobacco cessation, enhanced disease management, telemonitoring, remote access technologies, and counseling.
Hearing Services See details
Hearing services are partially covered by DEVOTED PREMIUM 044 FL (HMO), offering routine exams for a $15 copay and no coinsurance, and up to two prescription hearing aids yearly for a $199 to $499 copay and no coinsurance. OTC hearing aids and inner ear, outer ear, and over-the-ear prescription hearing aids are not covered.
Vision Services See details
Vision services are covered by DEVOTED PREMIUM 044 FL (HMO), with eye exams being partially covered to include one routine exam per year with a $0 to $15 copay and no coinsurance, while other eye exam services are not covered. Eyewear is covered with no copay, no coinsurance, and no deductible, offering up to a $150 annual maximum benefit for contacts, eyeglasses, and upgrades.
Dental Services See details
DEVOTED PREMIUM 044 FL (HMO) offers partially covered dental services, including unlimited preventive care with no copay and no coinsurance, and Medicare-covered dental for a $15 copay and no coinsurance. Comprehensive services are covered up to $1,500 yearly with no copay and 0% to 50% coinsurance, though orthodontics, implants, and maxillofacial prosthetics are not covered.
Home Infusion bundled Services See details
DEVOTED PREMIUM 044 FL (HMO) covers home infusion bundled services with no copay, though associated Medicare Part B chemotherapy and other drugs require from no coinsurance to 20% coinsurance. Covered Part B insulin drugs incur a $35 copay and up to 20% coinsurance, and prior authorization is required.
Dialysis Services See details
Dialysis Services are covered by DEVOTED PREMIUM 044 FL (HMO) with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
DEVOTED PREMIUM 044 FL (HMO) covers durable medical equipment, prosthetics, and medical supplies with no copays, requiring 20% to 50% coinsurance for DME and no coinsurance to 20% coinsurance for prosthetics. Diabetic equipment is partially covered with no copay and no coinsurance to 50% coinsurance for supplies, but diabetic therapeutic shoes and inserts are not covered.
Diagnostic and Radiological Services See details
DEVOTED PREMIUM 044 FL (HMO) covers diagnostic and radiological services, with prior authorization required. Lab services feature no copay and no coinsurance, diagnostic procedures range from a $0 to $95 copay with no coinsurance, and therapeutic radiological services require a minimum 20% coinsurance.
Home Health Services See details
Home Health Services are covered by DEVOTED PREMIUM 044 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 PREMIUM 044 FL (HMO) with a $15 copay and no coinsurance. These services, which require prior authorization, include intensive cardiac, pulmonary, and supervised exercise therapy.
Skilled Nursing Facility (SNF) See details
DEVOTED PREMIUM 044 FL (HMO) partially covers Skilled Nursing Facility (SNF) services with no coinsurance, offering no copay for days 1 through 20 and a $218 daily copay for days 21 through 100, though additional days beyond the Medicare-covered limit are not covered. Prior authorization is required, but a prior three-day inpatient hospital stay is not.
Other Services See details
DEVOTED PREMIUM 044 FL (HMO) partially covers other services, offering coverage for additional preventive services not covered by Medicare with no copay and no coinsurance. However, acupuncture, over-the-counter (OTC) items, and meal benefits are not covered under this plan.
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