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DEVOTED CORE 046 FL (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for DEVOTED CORE 046 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 046 FL (HMO) in 2026, please refer to our full plan details page.
DEVOTED CORE 046 FL (HMO) is a HMO plan offered by Devoted Health, Inc. available for enrollment in 2025 to people living in Brevard, Indian River, Martin, St. Lucie Counties. This plan received an overall rating of 5 out of 5 stars in 2026.
It's important to know that DEVOTED CORE 046 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 046 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 046 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.
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 $4900.00 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 046 FL (HMO) prescription drug plan features an annual drug deductible of $615. Under this plan, Tier 1 preferred generic and Tier 2 generic medications are available with no copay for one, two, or three-month supplies at standard pharmacies and standard mail order. This provides affordable access to common maintenance medications. For higher-tier medications, members pay a 25% coinsurance instead of a flat copay. This 25% coinsurance applies to Tier 3 preferred brand drugs, Tier 4 non-preferred drugs, and Tier 5 specialty drugs filled through standard pharmacies or standard mail order. Understanding these cost-sharing structures helps you estimate your out-of-pocket prescription expenses with this plan.
Additional Benefits
The DEVOTED CORE 046 FL (HMO) plan offers comprehensive coverage with no copay and no coinsurance for primary care visits, preventive services, and home health care. For inpatient hospital stays, members pay a daily copay of $195 for the first six days and no copay for days seven through 90. Outpatient services feature no coinsurance with copays ranging from no copay up to $195, while emergency room visits incur a $130 copay. Supplemental benefits include dental coverage up to a $1,500 annual maximum, featuring no copay for preventive services and up to 50% coinsurance for restorative care. Routine vision exams are available with no copay to a $15 copay, alongside a $150 annual allowance for eyewear with no copay. Skilled nursing facility stays are also covered with no copay for the first 20 days, followed by a $218 daily copay for days 21 through 100.
Inpatient Hospital See details
DEVOTED CORE 046 FL (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $195 daily copay for days 1 through 6 and no copay for days 7 through 90. Unlimited additional days are covered for acute stays, but psychiatric additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by DEVOTED CORE 046 FL (HMO) with no coinsurance, featuring a $0 to $195 copay for outpatient hospital services and a $195 copay per stay for observation services. 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 $15 copay and no coinsurance.
Partial Hospitalization See details
DEVOTED CORE 046 FL (HMO) covers partial hospitalization services with a $60.00 copay and no coinsurance. Prior authorization is required to receive this benefit.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by DEVOTED CORE 046 FL (HMO), with prior-authorized ground ambulance services requiring no copay to a $350 copay plus coinsurance, and air ambulance services requiring a 20% coinsurance plus a copay. While some transportation services are covered, trips to plan-approved or health-related locations are not covered.
Emergency Services See details
DEVOTED CORE 046 FL (HMO) covers emergency services with a $130 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours, and urgently needed services with a copay ranging from no copay to $45 and no coinsurance. Worldwide emergency and urgent services are covered up to a $25,000 maximum with a $130 copay and no coinsurance, while worldwide emergency transportation carries a $350 copay and 20% coinsurance.
Primary Care See details
DEVOTED CORE 046 FL (HMO) covers primary care physician services with no copay and no coinsurance, while other professional services like specialist visits, therapy, and mental health care require copays ranging from $0 to $50 and no coinsurance. Podiatry is not covered, and while some chiropractic services are covered, routine and other chiropractic services are not.
Preventive Services See details
DEVOTED CORE 046 FL (HMO) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive benefits are also partially covered with no copay and no coinsurance, though specific services like in-home support, personal emergency response systems, and therapeutic massages are not covered.
Hearing Services See details
Hearing services are partially covered by DEVOTED CORE 046 FL (HMO) with no deductible and no coinsurance, offering a $15 copay for an annual routine hearing exam and a $399 to $699 copay for up to two prescription hearing aids per year. Inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by DEVOTED CORE 046 FL (HMO), as other eye exam services are not covered. Routine eye exams are covered with a $0 to $15 copay and no coinsurance, while eyewear is covered with no copay, no coinsurance, and no deductible up to a $150 annual maximum.
Dental Services See details
Dental services are partially covered under the DEVOTED CORE 046 FL (HMO) plan, which features a $1,500 annual maximum and offers preventive care, periodontics, and oral surgery with no copays and no coinsurance. Restorative, endodontic, and prosthodontic services have no copay and 0% to 50% coinsurance, while Medicare-covered dental services require a $15 copay and no coinsurance; however, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by DEVOTED CORE 046 FL (HMO) with no copay and no coinsurance, subject to prior authorization. Medicare Part B chemotherapy, radiation, and other drugs feature no copay and range from no coinsurance to 20% coinsurance, while Part B insulin is covered with a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered under the DEVOTED CORE 046 FL (HMO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
DEVOTED CORE 046 FL (HMO) partially covers Medical Equipment with no copays and prior authorization requirements. Coinsurance ranges from 20% to 50% for durable medical equipment, no coinsurance to 20% for prosthetics and medical supplies, and no coinsurance to 50% for diabetic supplies, while diabetic therapeutic shoes and inserts are not covered.
Diagnostic and Radiological Services See details
DEVOTED CORE 046 FL (HMO) covers diagnostic and radiological services, with prior authorization required for both. Diagnostic services feature no coinsurance, offering lab services with no copay and diagnostic tests with a $0 to $95 copay, while radiological services require a 20% coinsurance for therapeutic services and no copay for outpatient X-rays.
Home Health Services See details
Home health services are covered under the DEVOTED CORE 046 FL (HMO) plan with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are covered by DEVOTED CORE 046 FL (HMO) with a $15 copay and no coinsurance, subject to prior authorization. While some services are covered, standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered.
Skilled Nursing Facility (SNF) See details
DEVOTED CORE 046 FL (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring 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 prior authorization is required and additional days beyond the Medicare limit are not covered.
Other Services See details
Other services are partially covered by DEVOTED CORE 046 FL (HMO), which offers additional preventive services not covered by Medicare with no copay and no coinsurance. Acupuncture, over-the-counter (OTC) items, meal benefits, and highly integrated dual-eligible SNP services are not covered.
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