Devoted's $202 Part B Giveback Plan in Polk County for 2027: What to Know
This content is educational and is not individualized advice. Plan availability, benefits, and costs vary by location and change annually. Always verify current details before making a decision.
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Medicare Annual Enrollment opens October 15, and one of the 2027 plans I'm getting the most questions about here in Polk County is from Devoted Health. It's a plan that gives back $202 a month toward your Part B premium.
For a lot of people, that's real money back in their pocket every month. But a giveback plan isn't the right fit for everyone, so let me walk you through how it works and what I'd look at before you sign up.
The plan at a glance
According to Devoted's published 2027 plan information for Polk County, the DEVOTED GIVEBACK 051 FL (HMO) plan includes:
- $0 monthly plan premium (you still keep paying your Part B premium, minus the giveback)
- $202 a month Part B premium reduction, up to $2,424 over a full year
- $0 copay for primary care visits
- $45 copay for in-network specialist visits
- Prescription drug coverage, with some drugs starting at $0
- $1,250 yearly dental allowance
- $350 yearly eyewear allowance
- Routine vision and hearing exams
- SilverSneakers fitness membership plus a $150 yearly fitness allowance
One thing to be clear about: this is an HMO, not a PPO. For 2027, the Devoted plans listed in Polk County are HMO plans. If you want the flexibility to see doctors outside a network, that matters, and it's worth reading my HMO vs. PPO breakdown.
How a Part B giveback works
Everyone on Medicare who has Part B pays a monthly premium. In 2026 the standard amount is $202.90, and the 2027 amount is usually announced later in the fall. With a giveback plan, the insurance company pays part of that premium for you.
You don't get a check from Devoted. Instead, the reduction usually shows up as a bigger Social Security deposit, or a smaller Part B bill if you pay Medicare directly. It can take a couple of months after your plan starts for the change to show up, and when it does, it's typically caught up for the months you missed.
Who a giveback plan can make sense for
- You pay your own Part B premium and want to lower your fixed monthly costs.
- Your doctors are in Devoted's network, and you're comfortable staying in network.
- You're generally healthy and don't expect a lot of specialist visits or hospital stays.
- Your prescriptions are covered at a price that works for you.
Who should take a closer look first
- If Medicaid or the state pays your Part B premium, you won't receive the giveback. Devoted has separate plans designed for dual-eligible members that are usually a better fit.
- If you see specialists often, add up those copays. A plan with a smaller giveback and lower copays can come out ahead.
- If you travel a lot or split time out of state, an HMO network may feel limiting.
- If your doctors aren't in the network, the giveback won't make up for having to change doctors you trust.
Check your doctors before anything else
Networks are where people get surprised. Before you enroll, I check your primary care doctor, your specialists, and the hospital you'd want to use against Devoted's 2027 provider directory. Here in Polk County, that usually means looking at where you get care today, whether that's Watson Clinic, Lakeland Regional, BayCare, AdventHealth, or Orlando Health.
I also run your prescriptions through the plan's 2027 drug list, because a great giveback can be wiped out quickly by one expensive medication.
Key dates
You can enroll in or switch Medicare Advantage plans during Annual Enrollment, October 15 through December 7, 2026. Coverage starts January 1, 2027.
Why work with an independent broker
Devoted is one of several carriers I work with in Polk County, along with Aetna, Humana, UnitedHealthcare, BayCare, and Florida Blue. Because I'm independent, I can put this plan side by side with the others and show you how it compares for your doctors, drugs, and budget. There's no cost to you to work with me, and plan prices are the same whether you enroll on your own or with my help.
Let's Talk It Through
If the $202 giveback caught your eye, let's see whether it actually fits you. Call me at 863-308-6814 or book a time that works for you, and we'll go through your doctors, prescriptions, and budget in plain English.
Get My No-Cost Coverage Review
Plan details are based on Devoted Health's published 2027 plan information for Polk County, Florida, and are subject to change. Benefits, premiums, copays, and networks vary by plan. Review the plan's Summary of Benefits and Evidence of Coverage before enrolling.
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Book Your Free CallFrequently Asked Questions
A Part B giveback is a Medicare Advantage benefit that lowers the Part B premium you pay each month. The reduction is usually applied to your Social Security check, or to your Part B bill if you pay Medicare directly. You still have to be enrolled in Part B and keep paying whatever part of the premium is left.
No. For 2027, Devoted lists the DEVOTED GIVEBACK 051 FL plan in Polk County as an HMO. That means you'll generally need to use doctors and hospitals in Devoted's network, except for emergencies and urgent care.
No. The giveback only helps people who pay their own Part B premium. If Medicaid or a Medicare Savings Program already covers your Part B, there's nothing to reduce, and a plan built for dual-eligible members is usually a better fit.
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