DEVOTED CHOICE 001 CO (PPO)

DEVOTED CHOICE 001 CO (PPO), plan H4808-001-000, is a 2027 Medicare Advantage plan from Devoted Health, sold in Colorado. It carries a $0 plan premium with a $6,050 in-network out-of-pocket limit.

This is a PPO, so it pays toward care both inside and outside its network. In-network care costs you less, and an out-of-network provider has to accept Medicare and agree to bill the plan. The plan's Summary of Benefits lists an out-of-network amount for each service next to the in-network one, and that is the column to read before you book a visit outside the network.

To join, you need Medicare Part A and Part B and you have to live in the plan's service area, which covers 18 counties in Colorado for 2027. You keep paying your Part B premium to Medicare.

Counties in the service area include Bent, Chaffee, Costilla, Crowley, Custer and El Paso.

In network, a specialist visit is $45, the emergency room is $130 and urgent care is $0 to $45. Emergency care and urgently needed services are covered whether or not the provider is in the plan's network, which matters when you are away from home.

An individual mental health visit is $45 and occupational therapy is $45 to $50.

Physical therapy and speech therapy are covered too, at cost shares the plan lists in its Summary of Benefits rather than in the CMS benefit files, so check those two there.

You pay $0 for the preventive services Original Medicare covers when you use a provider in the plan's network. That includes your annual wellness visit, the recommended screenings for your age, and most vaccines. Preventive care is the easiest value to collect from any Medicare Advantage plan, so book the wellness visit early in the year.

Beyond what Original Medicare covers, this plan includes $300 toward glasses or contacts and $60 a year for over-the-counter health items. These allowances almost always have to be used with providers and suppliers the plan works with, so check that before you buy, particularly for hearing aids where the plan usually names its own vendor.

The eyewear allowance covers eyeglasses or contact lenses, and it resets each plan year rather than rolling over, so an unused allowance is lost at the end of December.

Part D prescription drug coverage is included, so you do not need a separate drug plan. Check the plan's formulary, which is its list of covered drugs, for every medicine you take before you enroll.

For 2027, the drug deductible is $461 and your own drug costs are capped at $2,400 for the year.

If a medicine you take is not on the formulary, your prescriber can ask the plan for an exception, and if your income is limited, Extra Help can cut what you pay for drugs regardless of which plan you choose.

Some care on this plan needs prior authorization, which means Devoted Health has to approve it before you get it. Specialist services are among those that do. Your doctor's office usually files the request, but the plan may not pay if the approval is skipped, so confirm it is in hand before a scheduled procedure. The plan's evidence of coverage lists every service that needs it.

Here is how DEVOTED CHOICE 001 CO (PPO) sits against other plans sold in El Paso County for 2027.

AARP Medicare Advantage from UHC CO-0003 (HMO-POS) has a lower in-network limit at $4,450. AARP Medicare Advantage from UHC CO-0003 (HMO-POS) rates higher at 4 stars.

This plan may fit people in the service area who want a $0 plan premium and are comfortable with a $6,050 ceiling on in-network costs. Because it is a PPO, you also keep some coverage outside the network, at a higher cost.

Like any Medicare Advantage plan, it changes how your Medicare claims are paid. If you travel often, or you want to use any doctor who accepts Medicare without checking a network, compare it against Original Medicare with a Medicare Supplement and a separate drug plan before you decide.

A licensed insurance agent can check all of these against your own doctors and prescriptions at no cost.