Mike Layden, CPA established Health & Life Solutions, Inc. to assist clients through the many complexities of Original Medicare, Medicare Advantage, and Medicare Supplement plans. Mike is a licensed certified public accountant with over 34 years experience, as well as licensed insurance producer. He leverages his financial and Medicare expertise to recommend the best plan for your specific healthcare needs, lifestyle and budget. Give Mike a call if you have questions. 217-290-1768 https://www.HealthandLifeSolutionsInc.com
A Beneficiary Owes it to Themselves to Take a Hard Look At Devoted Health
Are you venturing into the realm of Medicare Advantage plans and find yourself lost in the sea of options? Look no further! Devoted Health plans specialize in Medicare Advantage plans designed with your healthcare needs in mind. From comprehensive coverage to additional perks, this guide will illuminate all the essential aspects of Devoted Health Arizona offerings. Let's dive in and discover how you can maximize your health benefits with Devoted Health.
Did you know you could get more from your Medicare plan than just basic coverage?
Key Takeaways
In 2024, Devoted Health offers Medicare Advantage in nine Arizona counties. Beginning January 1, 2025, Devoted is expanding its service area to include La Paz County.
Devoted Health offers a variety of Medicare Advantage plans to suit different healthcare needs
Coverage includes hospital, medical, and prescription drug services, along with preventive care and telehealth options
You can benefit from additional perks such as fitness programs and transportation services
Understanding costs like premiums, co-payments, and deductibles can help you find the best plan
Star Ratings and quality measures offer insight into the plan’s performance and member satisfaction
Available Plans in Your Area through Devoted Health
Location plays a significant role in your healthcare options. In 2024, Devoted Health offers Medicare Advantage plans in 13 states, each with unique plans tailored to specific coverage needs. Devoted is expanding from 13 states in 2024 to 20 states in 2025. The Devoted Health footprint will cover 36.5% of Medicare Advantage enrollees nationally.
Plan details for plan year 2025 will be made available October 1, 2024. All plan benefits discussed in this article are based on the plans available for plan year 2024. As noted above, Devoted Health is expanding beyond the counties served during 2024 in 2025.
Understanding Devoted Health Arizona Medicare Advantage Plans
Choosing a Medicare Advantage plan is more than just a financial decision; it's about safeguarding your health and well-being.
Exploring coverage options within Devoted Health Medicare Advantage plans can help you make an informed decision. Understanding what each plan offers will guide you in selecting the best healthcare plan that aligns with your needs.
Devoted Chronic Special Needs Plans
A Chronic Special Needs Plan (C-SNP) provides benefits and services to people with specific conditions and or certain health care needs. Special Needs Plans include care that is beneficial with the member needs. These tailor their benefits, provider choices, and list of covered drugs to best meet the specific needs of the groups they serve.
SNPs are either HMO or PPO plan types. Devoted provides two plan offerings that are C-SNP and both are Health Maintenance Organization's (HMO). C-SNP's cover the same Medicare Part A and Part B benefits that all Medicare Advantage Plans cover. However, SNPs might also cover extra services for the special groups they serve.
In order to be eligible for Devoted C-SNP plans, a member must have diabetes or a qualifying cardiovascular condition.
There are two C-SNP plans offered by Devoted. A member may choose to pay a premium to receive a higher monthly amount preloaded to their Home and Food Card. The Home and Food Card is used to purchase of groceries, utilities, mortgage, or rent. The other C-SNP does not require premium payment, but the Home and Food Card amount is less.
Overview of Devoted HMO's and PPO's
Devoted Health focuses on providing HMO's and PPO's to its members in the healthcare sector. In an HMO, customers are required to choose a primary care physician and obtain referrals for any specialist visits or services. This model emphasizes preventive care and managing chronic conditions to keep costs down. On the other hand, a PPO allows customers to visit any healthcare provider in or out of the network. This facilitates access to providers without needing referrals. Devoted Health strives to provide comprehensive and personalized healthcare options to meet the diverse needs of individuals and families.
The plans are designed to simplify your healthcare experience. With clear and straightforward features, Devoted Health reduces the complexity involved in managing healthcare services. That way, you can focus more on your health and less on administrative hurdles. These plans are designed whether you require consistent medical care or prefer preventative healthcare.
Devoted core Arizona and more
Beginning with Devoted Core Arizona and Extra HMO are plans that provided well-rounded benefits with the extras. Prime HMO has a premium for those members who would like to pay more in exchange for the richest supplemental benefits. Prime HMO is available to members with qualifying conditions that will enable them to receive a Home and Food Card. Devoted offers plans with a Part B premium reduction. One plan is designed as a MAPD and the other is designed as an MA. MAPD is a Medicare Advantage plan with a Part D prescription drug plan included. The MA is a Medicare Advantage plan that does not include a Part D prescription drug plan. The MA plan is available to anyone, but was especially designed for veterans who receive their prescriptions from the Veterans Administration. A member can have up to $145 per month added to their Social Security Check each month. The giveback benefits is provided in exchange for other medical benefits.
Devoted Choice Arizona and more
The PPO plans offered by Devoted include plans such as Choice Arizona PPO and additional Part B giveback plans. The Choice PPO plan is for members who value network flexibility, well-rounded benefits, and extra supplemental benefits. Network flexibility is provided by co-payments for service outside the established network versus the industry standard co-insurance requirements. This plan requires low daily co-payments for the first seven days of hospitalization. In-Network co-payments are $0 for all the following plan options:
Primary care physician
Labs
X-rays
Diagnostic tests if performed in a specific location
The first 20 days of skilled nursing
Primary care physician telehealth
Preferred generic medication (Tier 1)
The PPO Giveback plans are designed slightly differently than the HMO plans. We are happy to discuss the nuances with you if you have an interest in any of the Giveback plans.
Coverage Benefits Applicable to Most Plans Offered by Devoted Health
Devoted Health plans come packed with coverage benefits that protect you during times of need. Each plan includes low maximum out-of-pocket expenses providing a cap on what you will have to pay out of pocket. Extensive hospital and medical coverage is included ensuring you’re well-cared for regardless of the circumstances. Emergency and urgent care services are covered no matter where you are located. This provides peace of mind whether you’re at home or traveling.
Added Benefits and Extra Services
Beyond coverage for medical needs, Devoted Health plans often include added benefits that enhance your quality of life. For instance, all plans in Arizona offer fitness programs, and reimbursement to spend on fitness trackers, home gym equipment, and more. Most plans provide a Personal Emergency Response System (PERS) system. A PERS is a medical alert monitoring system that provides 24/7 access to help at the push of a button. Devoted offers multiple styles, including in-home and multiple mobile-enabled wearable devices. Imagine keeping active, healthy and safe without the extra cost!
In-Network Providers
One significant advantage of choosing Devoted Health plans is the access to a robust network of doctors and specialists. These in-network providers guarantee that you receive high-quality medical care while keeping out-of-pocket expenses low. Your primary care physician will act as your healthcare coordinator, ensuring integrated and streamlined service.
Using in-network providers for routine visits is not only encouraged but also integral for consistent care. By sticking to in-network services, you’ll find that managing healthcare costs becomes simpler and more predictable. Plus, it allows for a more tailored approach to your medical needs.
Prescription Drug Coverage
Prescription drug coverage is included in all Arizona Devoted Health plans, helping you manage ongoing medications without stress. The formulary lists are updated regularly, offering transparency regarding the drugs covered under your plan. This ensures you always have clarity about what is included and can plan accordingly.
Furthermore, tier-based drug pricing allows for manageable costs aligned with your specific medical needs. For added convenience, mail-order pharmacy services are often available, potentially lowering your costs and eliminating unnecessary trips to the pharmacy.
Rich Dental Benefits
Comprehensive dental coverage provided by Delta Dental is applicable to the most Devoted plans. Comprehensive dental services totaling $7,500 each benefit year. Comprehensive benefits include services for fillings, deep cleaning, extractions, dentures, Root Canals, Crowns, and bridges. All of these services are provided with a $0 copay.
Over The Counter (OTC) Benefits
There may be an Over the Counter (OTC) allowance up to $145 every three months to purchase items from the OTC catalog. (Based on the plan and plan location) You can order items online, over the phone, or at participating CVS stores.
Vision Benefits
Also, dependent on plan you choose, Devoted offers enhanced vision benefits for eyewear. This ensures that you maintain optimal dental and vision health as part of your overall wellness. The benefits can range up to $400 per year for glasses, contacts, or replacement frames (depending on plan offering and location).
Devoted Has Experienced Amazing Reviews
When evaluating health care plans, Star Ratings and quality measures provide invaluable insight into your options. Devoted Health consistently strives for high Star Ratings, reflecting their commitment to excellent service and member satisfaction.
Devoted Health has received a 4.5-star rating from CMS for all their Medicare Advantage plans in total. This showcases their commitment to providing high-quality healthcare services. Individual plans in your area have received a different star-rating than the 4.5 stars on all plans.
The star ratings are based on several key factors, including customer service, preventive care measures, and treatment outcomes. These metrics offer a holistic view of how well the plans perform and how members feel about their experiences. A high star rating is a strong indicator that you're choosing a reliable and high-quality plan.
Quality Measures and Member Satisfaction - The Devoted Difference
Quality measures in health plans include clinical outcomes, patient experiences, and the efficiency of the plan itself. High member satisfaction ratings suggest consistent and reliable healthcare services, making Devoted Health stand out as a trusted provider.
There are three important factors that contribute to the high measures of quality and member satisfaction. They are:
Members know they can always reach Devoted. 92% of member calls get answered within 30 seconds
Members trust Devoted to take care of them. 89.4% of members trust that Devoted is keeping their promise to get the care they need
Members reliably get the help they need. 94% of calls get resolved on the first call.
Feedback from Devoted Health plan members help the Company continually enhance their plan offerings and services. Annual surveys capture real experiences and drive continuous improvement, ensuring that Devoted Health remains aligned with your needs.
How to Enroll in Devoted Health Medicare Advantage Plans
Enrollment in a Devoted Health Medicare Advantage plan can be straightforward if you know the key periods and steps involved. Understanding when and how to enroll helps you avoid missing critical deadlines.
Enrollment Periods
Enrolling in a Devoted Health Medicare Advantage plan is best done during one of the designated enrollment periods. The Annual Enrollment Period (AEP) allows you to make changes to your plan from October 15 through December 7. The Initial Enrollment Period (IEP) is when you first become eligible for Medicare. It is crucial to act promptly to secure your coverage.
Knowing these important dates helps you enroll on time and avoid potential penalties. It’s essential to mark your calendar and be proactive about your healthcare enrollment.
How to Apply for Devoted Health Plans
Applying for a Devoted Health plan is straightforward. Call Mike Layden, CPA at 217-290-1768, He is your independent expert on Devoted Health. He is very caring and makes the process smooth and easy. Clear instructions and ample support ensure you have a hassle-free application experience, getting you one step closer to better healthcare.
Frequently Asked Questions
What states are Devoted Health in?
Devoted is currently providing Medicare Advantage plans in the following states:
Arizona
Alabama
Colorado
Florida
Hawaii
Illinois
North Carolina
Ohio
Oregon
Pennsylvania
South Carolina
Tennessee
Texas.
Beginning January 1, 2025, Devoted Health will provide Medicare Advantage plans in seven new states. The expansion states are Arkansas, Washington, Georgia, Indiana, Kentucky, Mississippi, and Missouri.
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