Devoted Health Medicare Advantage Plans: How They Work in 2026

What a Devoted Health Medicare Advantage plan is

Devoted Health is a private health-insurance company, not a government agency. Its Medicare Advantage plans (also called Part C) are an alternative to Original Medicare: instead of getting your Part A and Part B benefits directly from the federal program, you get them bundled through a Devoted plan that contracts with Medicare.

By law, every Medicare Advantage plan must cover at least everything Original Medicare Part A (hospital) and Part B (medical) cover. Most Devoted plans also bundle Part D prescription drug coverage and extra benefits, but the exact mix differs from plan to plan and county to county.

As of January 2026, Devoted reported serving more than 466,000 members and offering plans in 29 states, nine of them new for the 2026 plan year. Availability is local: a plan offered in one county may not exist in the next one over.

HMO vs PPO: how the network rules differ

Devoted sells both HMO and PPO Medicare Advantage plans, and the type you pick changes how you access doctors and what you pay.

• HMO plans generally require you to use in-network providers and often need a referral to see a specialist. Out-of-network care is usually covered only for emergencies.
• PPO plans typically let you see out-of-network providers, but you usually pay more for going outside the network.
• With either type, confirm your own doctors and preferred hospital are in-network before enrolling — networks change every year, and a plan name staying the same does not guarantee the network did.

What you actually pay in 2026

A Medicare Advantage plan does not replace your Part B premium. Even on a $0-premium plan, you must keep paying the standard Part B premium of $202.90 per month in 2026 (higher if IRMAA applies to you), set by the Centers for Medicare & Medicaid Services.

Independent reviews report that the large majority of Devoted's 2026 plans carry a $0 monthly plan premium, while plans that do charge a premium average roughly $24 per month, weighted by enrollment. Treat these as averages — your county's plan may differ, so check the plan's Summary of Benefits.

Every Medicare Advantage plan caps your annual in-network out-of-pocket spending for Part A and Part B services; Original Medicare has no such cap. Reviews put Devoted's 2026 out-of-pocket maximums in a range from about $2,700 to $9,250 depending on the plan. Prescription drugs fall under a separate Part D out-of-pocket cap, which is $2,100 for 2026.

Star ratings and extra benefits

CMS rates Medicare Advantage plans on a 1-to-5 star scale for quality and member experience. For 2026, Devoted's plans averaged about 4.22 out of 5 stars weighted by enrollment, above the industry average — but ratings are assigned per contract, so look up the specific plan's stars, not just the company average.

Many Devoted plans advertise supplemental benefits such as dental, vision, hearing, over-the-counter allowances, and food or utility allowances. These are not guaranteed on every plan and are not part of Original Medicare. Whether a given benefit exists, and its dollar amount, varies by plan — read the plan's Summary of Benefits and Evidence of Coverage to confirm.

When and how to enroll or switch

You generally choose or change a Medicare Advantage plan during the fall Medicare Open Enrollment Period, October 15 to December 7, with coverage starting January 1. You can also join when you first become eligible for Medicare or during a qualifying Special Enrollment Period.

If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period runs January 1 to March 31 each year and lets you make one change — switch to another Medicare Advantage plan, or drop back to Original Medicare (with or without a Part D plan).

Compare plans side by side using the official Medicare Plan Finder at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227). This guide is independent and not affiliated with Devoted Health or any government agency; enrollment and pricing decisions should be verified against those official sources.