Introduction
Choosing the right Medicare plan is one of the most important healthcare decisions an older American can make. With dozens of companies and hundreds of plan options available across the country, the process can feel overwhelming. Devoted Health has emerged as one of the most talked-about names in the Medicare Advantage space — and for good reason.
Founded in 2017 and growing rapidly, Devoted Health has earned above-average ratings, national recognition, and a loyal membership base by focusing on something that larger, more established insurers sometimes lose sight of — genuinely caring for its members as individuals.
This article explains exactly what Devoted Health is, what its Medicare Advantage plans offer, who they are best suited for, and what you need to know before deciding whether Devoted Health is the right choice for you.
What Is Devoted Health?
Devoted Health is an all-in-one healthcare company built specifically for Medicare beneficiaries — older Americans aged 65 and above who are eligible for Medicare. It was founded by brothers Todd and Ed Park in 2017 with a clear mission: to dramatically improve the health and wellbeing of older Americans by caring for every person like family.
The company is headquartered in Waltham, Massachusetts, and has grown from offering plans in just a handful of states to covering Medicare Advantage beneficiaries across 29 states as of 2026 — adding nine new states in a single year, which reflects the scale of its growth.
Devoted Health describes itself as an integrated, all-in-one healthcare solution that combines:
- Devoted Health Medicare Advantage plans — the insurance coverage itself
- Devoted Medical — the first virtual-first and in-home medical group designed specifically for the Medicare population
- Devoted Guides — full-service support staff who help each member navigate their health journey
- World-class technology — a tech-enabled platform that powers the entire experience
This integrated approach sets Devoted Health apart from traditional insurance companies that focus primarily on coverage administration. Devoted is designed to actively support members’ health, not just pay claims.
Devoted Health Star Ratings and Recognition
One of the clearest ways to evaluate a Medicare Advantage plan provider is through the Centers for Medicare and Medicaid Services (CMS) Star Ratings system. CMS evaluates each Medicare Advantage contract annually based on dozens of quality measures including clinical care, customer service, access to care, and member satisfaction.
Devoted Health Medicare Advantage plans were rated 4.26 out of five stars in 2025 by CMS — above the industry average rating of 3.96. That rating is higher than major established players including Anthem, Cigna, Humana, Wellcare, and AARP (UnitedHealthcare).
In addition to its CMS ratings, Devoted Health has earned significant independent recognition:
- Named to U.S. News and World Report’s “Best Insurance Companies for Medicare Advantage in 2025” list — one of only four companies to receive “best overall” recognition
- Specifically recognized as the best Medicare Advantage provider in the categories of Screening and Prevention and Care Continuity
- Named by Fast Company as one of its most innovative companies in 2024
- Listed by Forbes as a best startup employer
This level of recognition — particularly from independent evaluators — reflects a company that is performing genuinely well in areas that directly matter to members.
Devoted Health Medicare Advantage Plan Types
Devoted Health offers two main types of Medicare Advantage plans:
HMO (Health Maintenance Organization) Plans
HMO plans require members to use a network of doctors and hospitals that have contracted with Devoted Health. You will typically need to choose a primary care physician (PCP) who coordinates your care and provides referrals to specialists when needed.
HMO plans generally offer lower monthly premiums and out-of-pocket costs in exchange for this network restriction. They work well for people who have flexibility in choosing their providers and live in an area with a strong Devoted Health network.
PPO (Preferred Provider Organization) Plans
PPO plans offer more flexibility — you can see both in-network and out-of-network providers, though you will pay less when you stay within the network. PPO plans do not typically require referrals to see specialists.
PPO plans are a better fit for people who already have established relationships with specific doctors or specialists they want to continue seeing, or who travel frequently and want more flexibility in accessing care.
Special Needs Plans (SNPs)
Devoted Health also offers two types of Special Needs Plans:
Chronic Condition SNP (C-SNP) — Designed specifically for members living with certain chronic conditions such as diabetes, congestive heart failure, and cardiovascular disease. These plans offer targeted benefits and care coordination tailored to these conditions.
Dual-Eligible SNP (D-SNP) — For people who are entitled to Medicare and also qualify for assistance from a state Medicaid program. These plans coordinate benefits across both programs.
Key Benefits of Devoted Health Plans
One of the most attractive aspects of Devoted Health is its strong benefits package, particularly for those who want more than basic coverage.
$0 Premium Options
Approximately 92% of Devoted Health Medicare Advantage plans have a $0 monthly consolidated premium. This means that beyond the standard Medicare Part B premium, many members pay nothing monthly for their Devoted Health plan — a significant financial advantage compared to Original Medicare, which has no cap on out-of-pocket costs.
Low or No Medical Deductibles
Many Devoted Health plans have no medical deductibles, which means coverage kicks in immediately without requiring members to spend a set amount first. This reduces financial barriers to accessing care.
Extra Benefits Beyond Original Medicare
All Medicare Advantage plans are required to cover everything Original Medicare covers, but they can also offer additional benefits. Devoted Health plans commonly include:
- Fitness benefits — access to gym memberships and fitness programs
- Free rides to medical appointments — transportation assistance to doctor visits
- Over-the-counter (OTC) credits — monetary credits toward eligible health products at participating pharmacies
- Dental, vision, and hearing coverage — benefits not covered by Original Medicare
- Prescription drug coverage (Part D) — often bundled into the plan
- Telehealth access — virtual care through Devoted Medical
- In-home care — care delivered to members in their own homes through Devoted Medical
The specific benefits available vary by plan and by state, so it is important to review the details of the plans available in your area.
Devoted Guides
One of the features members consistently highlight is Devoted’s Guide program. Each member has access to dedicated Guides — trained support staff who help navigate appointments, understand benefits, manage care coordination, and answer questions about coverage and healthcare. This human-centered support element is one of the things that distinguishes Devoted from purely transactional insurance companies.
Devoted Medical — A Unique Integrated Care Model
Devoted Medical is a particularly distinctive element of what Devoted Health offers. It is described as the first virtual-first and in-home medical group designed specifically to serve the unique needs of the Medicare population.
Through Devoted Medical, members can access:
- Virtual primary care visits — consultations with physicians from home
- In-home care visits — doctors and care teams who come directly to the member’s home
- Preventive care services — proactive health management to catch issues early
- Care coordination — seamless communication between Devoted Medical providers and the member’s other healthcare providers
This model is particularly valuable for older adults who have difficulty traveling to medical appointments, those with multiple chronic conditions who need frequent care, and anyone who values the convenience and comfort of care at home.
The integration of Devoted Medical within the overall Devoted Health ecosystem means that the insurance side and the care delivery side communicate effectively — reducing the fragmentation that often frustrates Medicare beneficiaries.
Where Is Devoted Health Available?
Devoted Health has been expanding aggressively. As of 2026, Devoted Health offers Medicare Advantage plans in 29 states — nine of which are new additions for 2026. The company currently covers approximately 210,000 Medicare Advantage beneficiaries.
States where Devoted Health plans have been available include Arizona, Colorado, Florida, Hawaii, Illinois, North Carolina, Ohio, South Carolina, Tennessee, Texas, and others. The specific states and counties covered change as the company expands, so checking availability in your specific zip code is the most reliable way to determine whether Devoted Health is an option for you.
While Devoted Health is not yet as widely available as the largest national players like UnitedHealthcare or Humana, its rapid expansion trajectory suggests it will reach more markets in the coming years.
Pros and Cons of Devoted Health Medicare Advantage
Pros
Above-average star ratings — Consistently rated higher than many major competitors by CMS and independent evaluators.
$0 premium options — The majority of plans carry no monthly premium beyond Part B, making them accessible to members on fixed incomes.
Integrated care model — The combination of insurance, virtual and in-home care, and dedicated Guides creates a more cohesive healthcare experience than most insurers offer.
Strong extra benefits — Fitness, transportation, OTC credits, dental, vision, and hearing benefits add real value.
Human-centered support — Devoted Guides provide personalized, accessible support that members consistently praise.
Rapid growth and innovation — Fast Company’s recognition as one of the most innovative companies reflects a forward-thinking approach to healthcare.
Cons
Limited geographic availability — Available in 29 states as of 2026, meaning many Americans cannot access Devoted Health plans.
Newer company — Founded in 2017, Devoted Health does not have the decades-long track record of established insurers. Many plans are too new to have full CMS star rating histories.
Network restrictions (HMO) — As with all HMO plans, members must use in-network providers, which may not suit everyone.
Plan-level variability — Quality and benefits vary between individual plans. Some contracts have received lower star ratings, so reviewing the specific plan available in your area is important.
How to Evaluate Whether Devoted Health Is Right for You
Choosing a Medicare Advantage plan is a personal decision that depends on your individual healthcare needs, financial situation, preferred providers, and where you live. Here are the key questions to work through when evaluating Devoted Health:
Is it available in your area?
Visit devoted.com and enter your zip code to check availability. Without coverage in your county, the rest of the evaluation does not apply.
Are your current doctors in-network?
This is particularly important for HMO plans. Confirm that your preferred primary care physician and any specialists you see regularly are part of the Devoted Health network in your area.
What are the plan’s costs?
Review the premium, deductible, copays, and maximum out-of-pocket limit for the specific plan available to you. A $0 premium plan can still have meaningful out-of-pocket costs for services, so read the full plan details carefully.
Does it include the benefits you value?
Compare the dental, vision, hearing, fitness, and OTC benefits across plans available in your area. The value of these extras varies significantly.
Does it cover your medications?
If the plan includes Part D prescription drug coverage, check that your current medications are on the plan’s formulary at a cost level you can manage.
What do current members say?
Member reviews and complaint rates provide real-world insight into the day-to-day experience of being covered by Devoted Health in your area.
When Can You Enroll in Devoted Health?
Medicare Advantage enrollment follows specific windows set by CMS:
Annual Enrollment Period (AEP): October 15 to December 7 each year. This is the main window when anyone can switch Medicare Advantage plans for the following year.
Medicare Advantage Open Enrollment Period: January 1 to March 31 each year. During this window, current Medicare Advantage members can switch to a different Medicare Advantage plan or return to Original Medicare.
Initial Enrollment Period: The seven-month window around your 65th birthday when you first become eligible for Medicare.
Special Enrollment Periods (SEPs): Available under certain qualifying circumstances such as moving to a new area or losing other health coverage.
If you are approaching Medicare eligibility or reviewing your current coverage during an enrollment period, Devoted Health is worth comparing seriously given its strong ratings and integrated care model. For more on managing your overall health and wellness as you age, visit the Health and Healthcare section on Wellhealthcare.
Final Thoughts
Devoted Health has built a genuinely compelling offering in the Medicare Advantage market — combining above-average plan quality, meaningful extra benefits, an innovative integrated care model, and a human-centered approach that puts member wellbeing at the center of everything it does.
For eligible Medicare beneficiaries in states where Devoted Health is available, it is absolutely worth comparing against other options during the next enrollment period. The combination of $0 premium availability, high star ratings, Devoted Medical’s virtual and in-home care, and dedicated Guide support makes it a strong contender for many older Americans looking for more than just basic coverage.
As with any Medicare Advantage plan, the right choice depends on your personal healthcare needs, your providers, and the specific plans available in your area. Compare carefully, ask questions, and choose the plan that best supports your health and your life.
