Is Devoted Health Legit: A Complete Guide

devoted-health_63350220

Devoted Health offers Medicare Advantage plans in 13 states, earning above-average star ratings from CMS.

Devoted Health Overall Rating: 4.63

CMS Star Rating Devoted Health consistently receives above-average star ratings and boasts commendable member experience scores from CMS. However, due to recent expansions, some plans lack score data.

Coverage Availability: Devoted Health offers plans in 13 states.

Plan Overview:

• Members in high-rated plans: Medium (50% to 89%)
• Member experience score: 3.41 (Above average)

Pros:

• Consistently above-average star ratings from CMS.
• Commendable member experience scores.
• Most plans feature a $0 premium.

Cons:

• Plans available in only 13 states.
• Limited data available for new plans, as the majority are recent additions.

Devoted Health extends its Medicare Advantage plans to residents in 13 states, with the Centers for Medicare & Medicaid Services (CMS) awarding the provider well above-average star ratings.

Member experience ratings also surpass the industry average for major providers.

Notably, Devoted Health significantly increased its state coverage in 2023 and plans to introduce coverage in new counties in 2024.

Key Insights into Devoted Health Medicare Advantage:

Pros and Cons:

Devoted Health’s Medicare Advantage offerings come with distinct advantages and disadvantages.

Pros:

1. Stellar Star Ratings: For 2024 plans, Devoted Health Medicare Advantage achieves an impressive star rating of 4.63, surpassing the industry average of 4.04.
2. High Member Satisfaction: Ratings for member experiences, including customer service, appointment accessibility, and prompt care, exceed the average for major providers.
3. $0 Plans: The majority of Devoted Health Medicare Advantage plans feature a $0 premium.

Cons:

1. Limited Availability: Devoted Health’s Medicare Advantage plans are currently available in only 13 states.
2. Limited Data: With expansions into eight new states in 2023, a substantial portion of Devoted Health’s plans is too recent to have measurable star ratings, lacking data on their performance.

Devoted Health Medicare Star Ratings:

1. The weighted average star rating for Devoted Health’s Medicare Advantage plans is 4.63 in 2024.
2. CMS maintains star ratings on a 5-point scale, reflecting quality of care and customer satisfaction.
3. Ratings range from 1 star (worst) to 5 stars (best), subject to annual variations.
4. In comparison, the average star rating for plans across all providers is 4.04.
5. Devoted Health’s above-average performance is evident in this context.
6. Use the Medicare plan finding tool to discover a specific plan’s rating.

Costs of Devoted Health Medicare Advantage:

Premiums:

• 85% of Devoted Health Medicare Advantage plans in 2024 come with a $0 premium.
• Excluding  functional needs plans (SNPs), users are responsible for Medicare Part B premiums.
• The Part B premium is $174.70 per month in 2024.
• Some plans may cover part or all of this cost, but higher incomes may result in a higher premium.

Copays, Coinsurance, and Deductibles:

1. Costs vary based on plan, location, and services used.
2. Considerations include coverage for monthly Medicare Part B premiums.
3. Yearly deductibles (including drug deductibles) and copayments or coinsurance for visits.
4. In-network/out-of-network out-of-pocket maximums are relevant.
5. Factors like provider network status, frequency of out-of-network care, and extra benefits impact costs.
6. Use Medicare’s plan-finding tool for cost comparison.
7. Explore Devoted Health plans on their website by entering your ZIP code.

Medicare Advantage Plans by Devoted Health:

Devoted Health provides various types of Medicare Advantage plans, each differing in structure, costs, and benefits. The offerings include:

1. HMO Plans:
   • Require the use of a specific network of doctors and hospitals.
   • Referral from a primary doctor may be needed for specialist visits.
   • Limited out-of-network benefits.
2. HMO-POS Plans:
   • HMO plans with some out-of-network service coverage.
   • Members incur higher costs for out-of-network services.
3. PPO Plans:
   • Preferred provider organization plans offer more freedom.
   • There is no need to choose a primary doctor.
   • No referrals required for specialist visits.
   • Out-of-network care is possible but may cost more.
4. SNPs (support Needs Plans):
   • Tailored for individuals with specific diseases or characteristics.
   • Devoted Health offers two types of SNPs:
     • Chronic Condition SNP: Addresses the needs of those with chronic conditions.
     • Dual-Eligible SNP: For individuals entitled to Medicare and eligible for state Medicaid assistance.

Devoted Health Medicare Advantage Service Area:

• Plans are available in 13 states, with an expansion into 99 new counties in 2024.
• The provider covers 125,000 Medicare Advantage beneficiaries.

Comparing Medicare Advantage Providers:

Explore information on major Medicare Advantage providers, including:

• AARP
• Aetna
• Anthem
• Blue Cross Blue Shield
• Cigna
• Humana
• Kaiser Permanente
• UnitedHealthcare
• Wellcare

Also read: Is Men’s Health Clinic Legit

Choosing the Right Medicare Advantage Plan:

Ask yourself the following questions:

1. Costs:
   • Understand premiums, deductibles, copays, and/or coinsurance.
   • Assess affordability.
2. Network Coverage:
   • Confirm if your preferred doctors participate in the plan’s network.
3. Prescription Coverage:
   • Understand how the plan covers your prescriptions.
   • Know the tier of your prescription drugs and any coverage rules.
4. Additional Coverage:
   • Check for routine coverage for vision, dental, and hearing needs.
5. Extras:
   • Inquire about extra benefits, such as fitness memberships, transportation, or meal delivery.