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DEVOTED CHOICE 001 AL (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for DEVOTED CHOICE 001 AL (PPO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on DEVOTED CHOICE 001 AL (PPO) in 2026, please refer to our full plan details page.
DEVOTED CHOICE 001 AL (PPO) is a PPO plan offered by Devoted Health, Inc. available for enrollment in 2025 to people living in Central and South Alabama. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that DEVOTED CHOICE 001 AL (PPO) 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 CHOICE 001 AL (PPO).
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 CHOICE 001 AL (PPO), 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 $375.00 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 combined Maximum Out-Of-Pocket cost of $9550.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $9550.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
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
DEVOTED CHOICE 001 AL (PPO) features an Enhanced Alternative drug benefit with a $375 annual prescription drug deductible. If you qualify for the low-income subsidy (LIS), your Part D cost-sharing is reduced to $0. During the initial coverage phase, members enjoy no copay for Tier 1 preferred generic drugs at standard pharmacies and through standard mail. For other medication tiers, members pay a coinsurance of 24% for Tier 2 standard generics, 25% for Tier 3 preferred brands, and 28% for Tier 4 non-preferred drugs. Once your yearly out-of-pocket drug costs reach $2,100, you enter the catastrophic coverage phase and pay nothing for Medicare Part D covered drugs.
Additional Benefits
The DEVOTED CHOICE 001 AL (PPO) plan offers robust coverage for essential medical services with predictable out-of-pocket costs. Inpatient hospital stays require a copayment of $290 per day for the first seven days, followed by no copay for days eight through 90, while primary care visits and Medicare-covered preventive services feature no copay. Specialist visits, psychiatric care, and routine dental services require a $30 copay, and emergency care is covered with a $130 copay. For additional healthcare needs, members benefit from a $3,500 annual maximum for dental services, a $350 annual eyewear allowance, and up to two prescription hearing aids per year with copays ranging from $399 to $699. Durable medical equipment is covered with no copay and a 20% to 50% coinsurance, while over-the-counter items are supported by a $100 allowance every three months. Diagnostic lab work and outpatient X-rays are also fully covered with no copay or coinsurance, ensuring affordable ongoing wellness management.
Inpatient Hospital See details
Inpatient hospital benefits are partially covered by DEVOTED CHOICE 001 AL (PPO) with a copayment of $290 per day for days 1 through 7, no copayment for days 8 through 90, and no coinsurance. Prior authorization is required, and non-Medicare-covered stays, acute care upgrades, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by DEVOTED CHOICE 001 AL (PPO) with no coinsurance and copays that vary by service. There is no copay for ambulatory surgical center services, a $30 copay per session for outpatient substance abuse services, a $290 copay per stay for observation services, and a copay ranging from no copay to $390 for outpatient hospital services.
Partial Hospitalization See details
DEVOTED CHOICE 001 AL (PPO) covers partial hospitalization services with a $60.00 copay and no coinsurance. Prior authorization is required for these covered benefits.
Ambulance and Transportation Services See details
Ambulance and transportation services are partially covered by DEVOTED CHOICE 001 AL (PPO), as transportation services to health-related locations are not covered. Ground ambulance services require a copay ranging from no copay to $405 and no coinsurance, while air ambulance services require a 20% coinsurance and no copay.
Emergency Services See details
DEVOTED CHOICE 001 AL (PPO) covers emergency services with a $130 copay and no coinsurance, and urgently needed services with no copay to a $45 copay and no coinsurance. Worldwide emergency, urgent, and transportation services are also covered up to a $25,000 limit, with copays ranging from $130 to $405 and coinsurance up to 20% depending on the service.
Primary Care See details
Primary Care benefits are covered by DEVOTED CHOICE 001 AL (PPO) with no coinsurance, including primary care, specialist visits ($30 copay), psychiatric care ($30 copay), telehealth (no copay to $45 copay), and therapies ($30 to $50 copay). Chiropractic services are partially covered with a $15 copay and no coinsurance, as routine chiropractic care is not covered, while podiatry services are not covered.
Preventive Services See details
Preventive services are partially covered under DEVOTED CHOICE 001 AL (PPO) with no copay and no coinsurance for Medicare-covered preventive care, annual physicals, and wellness programs. However, the plan does not cover sub-services including in-home safety assessments, PERS, medical nutrition therapy, post-discharge medication reconciliation, readmission prevention, wigs, therapeutic massage, adult day health, home-based palliative care, in-home support, caregiver support, additional smoking cessation, enhanced disease management, telemonitoring, remote access, and counseling.
Hearing Services See details
DEVOTED CHOICE 001 AL (PPO) partially covers hearing services, offering annual routine hearing exams for a $30 copay and no coinsurance or deductible. Up to two prescription hearing aids (all types) are covered per year with a copay ranging from $399 to $699 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
DEVOTED CHOICE 001 AL (PPO) covers vision services, including one routine eye exam per year with a copay ranging from $0 to $30 and no coinsurance. Eyewear, including contacts, lenses, and frames, is covered up to a $350 combined annual maximum with no deductible or coinsurance.
Dental Services See details
Dental services are partially covered by DEVOTED CHOICE 001 AL (PPO) up to a $3,500 annual maximum for both in-network and out-of-network care. Medicare-covered dental services require a $30 copay, while other covered services such as restorative care, endodontics, and prosthodontics range from no coinsurance to 50% coinsurance, with maxillofacial prosthetics, implant services, and orthodontics excluded from coverage.
Home Infusion bundled Services See details
DEVOTED CHOICE 001 AL (PPO) covers Home Infusion bundled Services with prior authorization, offering chemotherapy, radiation, and other Part B drugs with no copay and no coinsurance to 20% coinsurance. Covered Medicare Part B insulin drugs require a $35 copay alongside no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by DEVOTED CHOICE 001 AL (PPO) with no copay and a 20% coinsurance. Prior authorization is required to receive these covered services.
Medical Equipment See details
DEVOTED CHOICE 001 AL (PPO) covers medical equipment with no copays, though prior authorization is required for most services. Durable medical equipment requires 20% to 50% coinsurance, while prosthetic devices and medical supplies range from no coinsurance to 20% coinsurance. Diabetic equipment is partially covered, with diabetic supplies requiring no coinsurance to 50% coinsurance, while diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
DEVOTED CHOICE 001 AL (PPO) covers diagnostic and radiological services with prior authorization, offering no copay and no coinsurance for lab and outpatient X-ray services. Diagnostic procedures require a copay of $0 to $95 with no coinsurance, diagnostic radiological services range from a $0 to $300 copay with no coinsurance, and therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered by the DEVOTED CHOICE 001 AL (PPO) plan with prior authorization required, though specific copay and coinsurance details are not provided in the plan benefits.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the DEVOTED CHOICE 001 AL (PPO) plan, as none of the sub-services, including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation, are covered. Because these services are not covered, there are no copays or coinsurance costs for members.
Skilled Nursing Facility (SNF) See details
DEVOTED CHOICE 001 AL (PPO) 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. Prior authorization is required, and additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Other Services are partially covered by DEVOTED CHOICE 001 AL (PPO), as acupuncture, meal benefits, and dual eligible SNPs are not covered. Covered benefits include additional preventive services and over-the-counter items with a maximum allowance of $100 every three months and no copay or coinsurance.
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