Introduction
Making the right decision about which healthcare plan to choose is vital when you enter your first eligibility age for Medicare. The basics of what Medicare provides for you and what is available to you in the way of additional coverage, networks, prescription coverage, and what your out-of-pocket expense is likely to be, can be somewhat confusing.
Devoted Health makes the process easier.
As a Medicare Advantage insurance company, Devoted Health focuses on care plans for the senior community. Established in 2017, its goal is to improve the healthcare experience for older Americans by integrating the coverage of Medicare Advantage Plans with the support and technology of care and wellness benefits.
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Devoted Health differentiates itself from the mainstream insurance companies, that manage claims and coverage, by being a partner in care that walks its members through appointments, benefits, prescriptions, and the care they need.
Potential members are drawn to Devoted Health’s member-centric, wellness-focused, digital care, and senior support services, all of which are services for those with more severe, complicated care needs. In your research on Devoted Health, you will be able to determine if they are a viable Medicare Advantage option for you.
Frequently asked questions include:
- What exactly is Devoted Health?
- Does Devoted Health provide good Medicare Advantage plans?
- What services are available through Devoted Health?
- Is Devoted Health a reliable provider?
- Which states provide plans through Devoted Health?
- What is the cost of Devoted Health?
- What are the advantages and disadvantages of Devoted Health?
This guide analyzes Devoted Health’s offerings including Medicare Advantage plans, available services, pros, cons, and additional info for seniors looking to enroll.
What is Devoted Health?
Devoted Health is a private company offering plans for Medicare beneficiaries.
Medicare Advantage plans, or Medicare Part C, are an alternative plan to Original Medicare. These plans are available through private, Medicare-approved, insurance companies and are designed to provide:
- Medicare Part A (hospital coverage)
- Medicare Part B (medical coverage)
- Medicare Part D (prescription drug coverage), but not always
Devoted Health only provides coverage for Medicare members. They do not provide employer sponsored insurance (ESI) or regular commercial plans.
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This company is dedicated to providing a better Medicare experience for older adults by offering a high level of care and support, as well as other services that are not covered by regular Medicare.
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How Does Devoted Health Work?
Devoted Health works like a Medicare Advantage plan, which is why it must differ from Original Medicare.
Devoted Health serves its members through a Medicare Advantage plan.
Step 1: Enrollment in a Devoted Health Plan
During the specified timeframe, any individual who is eligible for Medicare can select a Devoted Health Medicare Advantage plan.
Common eligibility requirements typically include:
- Enrollment in Medicare Part A and Part B
- Living in the regions where Devoted Health has plans
- Availability of plans varies by region.
Step 2: Selecting Healthcare Providers
Upon enrollment, members gain access to Devoted Health’s network of providers.
This network includes:
- Doctors
- Specialists
- Hospitals
- Pharmacies
Prior to enrollment, members should determine if their preferred doctors and medical facilities are included.
Step 3: Using Devoted Support to Manage Healthcare
Devoted Health has concentrated their efforts on member support rather than on supplemental benefits, and this is evident in the customer service representatives, devoted guides.
Devoted guides assist members with benefit questions, coverage-related healthcare issues, and navigate the healthcare system.
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Support may include:
- Benefits questions
- Appointment scheduling
- Provider selection
- Coverage questions
- Utilization of resources
- Devoted Health Medicare Advantage Plans
- Devoted Health’s primary offering is Medicare Advantage plans.
These plans create a way for members to access their Medicare benefits with additional layers of benefits that help members access and utilize healthcare.
Depending on the member’s location and the plan, benefits may include:
- Healthcare coverage
- Prescription coverage
- Dental benefits
- Vision benefits
- Hearing benefits
- OTC allowances
- Wellness benefits
- Benefits are plan- and location-specific.
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Plan Options
Devoted Health provides a number of Medicare Advantage plan options based on the member’s location and needs.
HMO Plans
Health Maintenance Organization (HMO) plans require members to seek healthcare in a network of providers.
Possible advantages:
- Reduced costs
- More coordinated care
- More managed primary care
- Less flexibility to choose any providers.
- PPO Plans
Preferred Provider Organizations (PPO) tends to be more flexible. Members can typically see:
- Most in-network providers
- Some out-of-network providers
- Yet, out-of-network care still may be more costly.
- Special Needs Plans
Devoted Health has separate programs to cover some segments of Medicare, like those with a certain chronic condition.
Extra care to help manage complicated and ongoing healthcare needs is provided for these plans.
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Devoted Health Benefits
Many of the Medicare Advantage Plans have a lot of extra benefits that go beyond Original Medicare Plans, and that is one of the many reasons Devoted Health is in the spotlight.
Dental Coverage
Most dental plans through Devoted Health help in covering preventative dental care, cleanings, exams, and x-rays.
Specific benefits and how much they will help will vary by plan.
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Vision Benefits
Plans through Devoted Health may help cover the costs of eye exams, glasses, and contact lenses.
This coverage is very helpful for seniors, since they are often dealing with age-related vision care issues.
Hearing Benefits
Again, this is a very common hearing support benefit through a Medicare Advantage Plan.
Depending on the plan, members may receive hearing exams and hearing aids.
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Prescription Drug Coverage
Many Devoted Health plans cover prescription drugs in order to help members manage some of the costs of care in a pharmacy through a limited pharmacy network, a limited drug formulary, and some prescription benefit.
It is important to check that the medications you will need are included in the plan before purchasing one.
Food and Home Benefits
Some Devoted Health plans provide extra benefits, including food and home assistance programs, to qualified members.
This benefit may assist members with specific health-related issues.
Not all members qualify for this benefit.
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Devoted Health Member Support
Devoted Health’s focus on personalized customer support is one of their strongest attributes.
The organization has created Devoted Guides to help members with health-related questions.
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Seniors spend a large portion of their time trying to understand how to navigate Medicare.
Support person(s) or Devoted Guides can assist with
- Understanding benefits
- Finding resources and care
- Completing and managing paperwork
- Resolving issues with coverage
Each task listed above should help ease the complexities associated with healthcare.
Devoted Medical Services
Devoted Health has created an in-house medical group, Devoted Medical, to offer more healthcare support.
Devoted Health states that Devoted Medical provides care that is virtual and done in-person.
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Services that may be offered include:
- Telehealth
- Care that is conformed and managed
- Additional support
This may help members receive care at the appropriate time and in the appropriate place.
Where Does Devoted Health Operate?
Devoted Health is actively trying to broaden the markets for their Medicare Advantage products.
States that are listed as markets include:
- Florida
- Texas
- Arizona
- Georgia
- Ohio
- Virginia
- Pennsylvania
- Tennessee
- Washington
- and potentially others
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Plan availability differs by county. Interested individuals should check to see if Devoted Health has an offering in their county.
Is Devoted Health Legitimate?
One of the most popular questions asked by potential members is:
“Is Devoted Health a real insurance company?”
The answer to that is yes. Devoted Health is a legitimate Medicare Advantage insurance company that started in 2017, and they constructed Medicare plans offered through the Medicare program.
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The company has been very successful in the Medicare Advantage department and specializes in services for the elderly.
The right healthcare plan for the elderly is determined by the following factors:
- The plan’s coverage in their area
- Their healthcare needs
- The doctors they wish to see
- The medications they take
- The cost of the plan
Devoted Health Pros And Cons
The large success of Devoted Health has been due to:
- Devoted Guides:
- This model puts guides in place to assist members with the healthcare benefits they require.
- Medicare Advantage Supplemental Benefits:
- Health plans that go beyond Original Medicare benefits.
Medicare Advantage plans typically provide benefits for:
- Dental care
- Vision care
- Hearing aids
- Prescription Drug coverage
Devoted Health also specializes in services for elderly customers interested in the healthcare field.
Devoted Health uses a digital model for care:
Devoted Health focuses on care management by providing members access to care and connecting the required doctors and specialists.
The Drawbacks of Devoted Health
Devoted Health does not operate everywhere.
Many senior Americans are in areas without coverage.
Medicare Advantage plans that require members to use certain networks may be of concern to the elderly.
Seniors should look into whether their plan covers:
- Their choice of doctors
- Their choice of preferred and emergency care facilities
- The specialists they want to see
Coverage and benefits also differ from plan to plan and may be unavailable in certain areas.
Restrictions of Medicare Advantage
Medicare Advantage plans may include:
- Network Restrictions
- Prior Authorization
Costs
Members must evaluate options closely.
Comparing Devoted Advantage and Original Medicare
Original Medicare
Benefits:
- High access to providers
- Accepts nationwide
- Fewer network limits
Disadvantages:
- No automatic coverage for dental, vision, and hearing
- Requires extra coverage for more
- Devoted Health Medicare Advantage
Benefits:
- More coverage
- Care and coverage
- More member support
Disadvantages:
- More network limits
- More location limits
- The choice of plan relies on personal preference and more health care focus.
Choosing a Devoted Health Plan
Decide on the following before choosing a plan:
- Check Your Doctors
- Make sure your primary doctor, specialists, and hospitals are in network.
- Check Your Prescription Costs
- Always check and know the costs of your medications.
- Better Value Plan
There are many factors when choosing the plan with the best value like:
- Monthly premium
- Copay
- Rate of Deductibles
- Maximum Out-of Pocket expenses
- Consider Extra Benefits
Think of Care Needs
Flexibility of provider may be more important for someone who travels a lot and flexibility may be more important for someone with a lot of chronic conditions.
Devoted Health Reviews and Experience
The online reputation of Devoted Health shows that many have had good experiences with customer service, benefits, and the value of the plan. Others have had negative experiences with the plan’s provider networks and plan structure.
Importance of Review
The key point to remember is that a Medicare Advantage plan that works well for one individual, may not work well for another individual. Always think of your individual healthcare situation, your location, your doctors, and your medicines when choosing a plan.
Common Queries
1. What exactly is Devoted Health?
As a Medicare Advantage insurer, Devoted Health creates specialized healthcare plans for individuals with Medicare.
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2. Is Devoted Health Medicare?
No. Devoted Health is not Original Medicare. They are a private insurer that offers Medicare Advantage plans that are sponsored by Medicare.
3. Is Devoted Health a good insurance company?
Those who appreciate additional benefits, care that is more coordinated, and better member support may appreciate Devoted Health. The best insurance may vary based on the individual.
4. What are the benefits of Devoted Health?
Plans may offer some combination of medical, prescription, dental, vision, hearing, and wellness benefits.
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5. Does Devoted Health offer drug coverage?
Prescription drug coverage is included in many Devoted Health Medicare Advantage plans.
6. Where is Devoted Health sold?
Devoted Health operates in many states, though plan and county-specific market availability may vary.
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7. Are dental benefits offered by Devoted Health?
Some Devoted Health plans offer dental coverage, though it is plan dependent.
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8. Does Devoted Health offer member support?
Yes, member support is offered by Devoted Guides who assist members in understanding their benefits and how to access them.
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9. Will my current doctor be in the Devoted Health plan network?
This is only true if your doctor is in the network of the specific Devoted Health plan.
10. Is original Medicare more advantageous than Devoted Health?
This is up to the individual as Devoted Health offers more benefits, though Original Medicare provides more flexibility in choosing a provider.
Conclusion
Devoted Health is a modern Medicare Advantage plan which develops and uses new technology to improve the healthcare experience for older adults. Fusing together Medicare, additional services, member support, technology, and care, Devoted Health plans to simplify and improve the ease with which older adults access the healthcare system.
If seniors are looking for support with benefits like dental, vision, hearing, and prescription, support and assistance, Devoted Health may be a plan to consider.
When choosing Medicare, plans should be carefully evaluated, as the location, doctor network, prescription medications, and coverage needs are a few of the factors which influence the best fit.
Devoted Health uses a patient-centered model within their Medicare Advantage plans; however, benefits and coverage should be compared with the goal of meeting individual healthcare needs before deciding on a plan.
