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DEVOTED CHOICE 002 AL (PPO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for DEVOTED CHOICE 002 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 002 AL (PPO) in 2026, please refer to our full plan details page.
DEVOTED CHOICE 002 AL (PPO) is a PPO plan offered by Devoted Health, Inc. available for enrollment in 2025 to people living in North Alabama and Greater Dothan. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that DEVOTED CHOICE 002 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 002 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 002 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 $10100.00 (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 $10100.00 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
The DEVOTED CHOICE 002 AL (PPO) Medicare plan features an Enhanced Alternative drug benefit with an annual prescription drug deductible of $375. After meeting this deductible, you enter the initial coverage phase where Tier 1 preferred generic drugs have no copay at standard pharmacies and standard mail order. For other tiers, you will pay a coinsurance of 24% for Tier 2 standard generic drugs, 25% for Tier 3 preferred brand drugs, 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. Additionally, beneficiaries who qualify for the low-income subsidy, also known as Extra Help, will have their Part D premium reduced to zero dollars. This clear tier and phase structure helps you easily project your annual medication expenses.
Additional Benefits
The DEVOTED CHOICE 002 AL (PPO) plan offers comprehensive coverage for essential medical needs, featuring copays ranging from no copay up to $50 for primary care and a $35 copay for specialists. For emergency services, members pay a $130 copay, while inpatient hospital stays require a $295 daily copay for the first seven days and no copay for days eight through ninety. Outpatient hospital services and diagnostic lab tests are highly accessible, with many services requiring no copay and no coinsurance. This plan also includes valuable supplemental benefits, such as a $3,500 annual dental limit and a $350 yearly allowance for eyewear with no deductible or coinsurance. Members can take advantage of routine eye exams with no copay, a $100 quarterly allowance for over-the-counter items, and preventive services with no copay or coinsurance. Additionally, prescription hearing aids are covered with copays ranging from $399 to $699, alongside a $35 copay for hearing exams.
Inpatient Hospital See details
Inpatient Hospital benefits are partially covered by DEVOTED CHOICE 002 AL (PPO), featuring a $295 daily copay for days 1 to 7, no copay for days 8 to 90, and no coinsurance. While unlimited additional days are covered for acute stays, upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Outpatient services are covered by DEVOTED CHOICE 002 AL (PPO) with no coinsurance, featuring copays ranging from $0 to $395 for outpatient hospital services and $295 per stay for observation services. Ambulatory surgical center services have no copay, while outpatient substance abuse sessions require a $35 copay.
Partial Hospitalization See details
Partial hospitalization benefits are covered by DEVOTED CHOICE 002 AL (PPO) with a $70.00 copay and no coinsurance. Prior authorization is required for these services.
Ambulance and Transportation Services See details
Ambulance and Transportation Services are partially covered under DEVOTED CHOICE 002 AL (PPO), as transportation services to plan-approved or any health-related locations are not covered. Covered ground ambulance services require a copay of no copay to $405, while air ambulance services require a 20% coinsurance.
Emergency Services See details
Emergency services are covered by DEVOTED CHOICE 002 AL (PPO) with a $130 copay and no coinsurance, with the copay 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 a $25,000 maximum with copays up to $405 and up to 20% coinsurance.
Primary Care See details
DEVOTED CHOICE 002 AL (PPO) partially covers primary care and related professional services with no coinsurance, although podiatry and routine chiropractic care are not covered. Covered benefits require copays ranging from no copay up to $50, which includes a $35 copay for specialists and mental health services, and $35 to $50 for occupational, physical, and speech therapies.
Preventive Services See details
DEVOTED CHOICE 002 AL (PPO) covers preventive services, including annual physical exams, glaucoma screenings, and kidney disease education, with no copay or coinsurance. Additional preventive benefits are partially covered, offering fitness and weight management programs, while sub-services such as in-home support, personal emergency response systems, and therapeutic massages are not covered.
Hearing Services See details
Hearing services are partially covered by DEVOTED CHOICE 002 AL (PPO), which features a $35 copay and no coinsurance for hearing exams and fittings, and a $399 to $699 copay with no coinsurance for up to two prescription hearing aids per year. Over-the-counter hearing aids, as well as inner ear, outer ear, and over-the-ear prescription hearing aids, are not covered.
Vision Services See details
DEVOTED CHOICE 002 AL (PPO) covers annual routine eye exams with no copay to a $35 copay and no coinsurance. The plan also provides up to $350 per year for eyewear, including contacts and eyeglasses, with no deductible and no coinsurance.
Dental Services See details
DEVOTED CHOICE 002 AL (PPO) offers partially covered dental services with a $3,500 annual limit, excluding maxillofacial prosthetics, implant services, and orthodontics which are not covered. Medicare-covered dental services require a $35 copay and no coinsurance, while other covered services feature no copay and coinsurance ranging from no coinsurance to 50%.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the DEVOTED CHOICE 002 AL (PPO) plan, requiring prior authorization and step therapy. Covered Medicare Part B insulin drugs carry a $35 copay and coinsurance ranging from no coinsurance up to 20%, while chemotherapy, radiation, and other Part B drugs feature no copay and coinsurance ranging from no coinsurance up to 20%.
Dialysis Services See details
Dialysis Services are covered under the DEVOTED CHOICE 002 AL (PPO) plan with no copay and a 20% coinsurance. Prior authorization is required to receive these services.
Medical Equipment See details
Medical Equipment benefits are partially covered by DEVOTED CHOICE 002 AL (PPO) with no copays, requiring 20% to 50% coinsurance for durable medical equipment and no coinsurance to 20% or 50% coinsurance for prosthetic devices, medical supplies, and diabetic supplies. Prior authorization is required for these covered services, and diabetic therapeutic shoes or inserts are not covered.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under DEVOTED CHOICE 002 AL (PPO) with prior authorization required. Lab services and outpatient X-rays have no copay and no coinsurance, while diagnostic procedures and tests carry a copay of $0 to $95 with no coinsurance. Diagnostic radiological services have a copay of up to $300 with no coinsurance, and therapeutic radiological services require a 20% coinsurance with no copay.
Home Health Services See details
Home Health Services are covered under the DEVOTED CHOICE 002 AL (PPO) plan, though prior authorization is required before receiving care. Specific copay and coinsurance cost details are not specified for this benefit.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the DEVOTED CHOICE 002 AL (PPO) plan, as all individual sub-services—including Cardiac Rehabilitation, Intensive Cardiac Rehabilitation, Pulmonary Rehabilitation, and SET for PAD Services—are not covered.
Skilled Nursing Facility (SNF) See details
DEVOTED CHOICE 002 AL (PPO) partially covers Skilled Nursing Facility (SNF) services with prior authorization required, though additional days beyond the Medicare-covered limit are not covered. There is no copay and no coinsurance for days 1 through 20, followed by a $218 daily copay and no coinsurance for days 21 through 100.
Other Services See details
Other Services are partially covered by DEVOTED CHOICE 002 AL (PPO), which excludes acupuncture, meal benefits, and highly integrated dual-eligible SNP services. Covered benefits include additional preventive services and a $100 quarterly allowance for over-the-counter (OTC) items, both offered with no copay or coinsurance.
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