DEVOTED CHOICE GIVEBACK 005 AL (PPO)

DEVOTED CHOICE GIVEBACK 005 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 GIVEBACK 005 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 GIVEBACK 005 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.

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:

Drug Coverage

The DEVOTED CHOICE GIVEBACK 005 AL (PPO) plan features an Enhanced Alternative drug benefit with a yearly prescription drug deductible of $605.00. During the initial coverage phase, standard pharmacy and standard mail orders require a $3.00 copay for Tier 1 preferred generic drugs, 21% coinsurance for Tier 2 standard generics, and 25% coinsurance for Tier 3 preferred brands and Tier 4 non-preferred drugs. This initial phase continues until your total drug costs reach $2,100.00. If you qualify for the low-income subsidy, your Part D premium and costs under this plan are reduced to no copay. Once your yearly out-of-pocket drug costs reach $2,100.00, you enter the catastrophic coverage phase and pay nothing for covered Medicare Part D drugs. This plan offers a structured pathway to managing prescription costs with clear coinsurance rates and robust catastrophic protections.

Additional Benefits

The DEVOTED CHOICE GIVEBACK 005 AL (PPO) plan offers comprehensive medical coverage with predictable out-of-pocket costs, featuring copays ranging from no copay up to $50 for primary and specialist care. Inpatient hospital stays require a $450 daily copay for the first four days followed by no copay for days 5 through 90, while emergency room visits carry a $115 copay that is waived if you are admitted. Outpatient and diagnostic services are highly accessible, featuring no copay for lab work and ambulatory surgery, and up to a $550 copay for outpatient hospital services. This plan also includes valuable supplemental benefits, such as an annual $200 eyewear allowance and prescription hearing aid coverage with copays between $599 and $899. Additionally, members receive a $107 over-the-counter allowance every three months with no copay, alongside dental coverage subject to a $250 annual maximum benefit. Skilled nursing facility stays are also covered with no copay or coinsurance for the first 20 days, ensuring affordable recovery support.