In 891 counties, Devoted's new 2027 plans are the only MAPDs pairing money back with big dental.

In 891 counties, Devoted's new 2027 plans are the only MAPDs that pay money back and cap dental at $2,000 or more. Of the 97 new MAPDs built that way, 95 are Devoted's.

It is a new trade for Devoted. Its existing money-back plans typically return about $175 a month but cap dental at $250. In the 891 counties, the new ones typically return $80 and cap dental at $2,500, with a $7,300 out-of-pocket maximum.

The other money-back MAPDs in those counties typically return $84 a month, with a $9,850 maximum. Nearly all include exams and cleanings. Fewer than half build in fillings or other major dental, capped at $1,500 or less, typically $500. Several of Humana's Giveback plans, for example, cover exams, cleanings and gum care at $0 but offer fillings, crowns and dentures only as a paid add-on.

All 95 come from one new plan family, Giveback Extras. Every other carrier together filed 307 new MAPDs; 17 pay money back.

Plans without Part D, often sold to veterans with VA drug coverage, also pair money back with a $2,000+ dental cap in most of these counties. They don't work for someone who needs Part D.

MAPD: Medicare Advantage with Part D, not special needs or employer. Money back: $10 or more a month of the Part B premium. Major dental built in with no cap counts as $2,000 or more. New: no 2026 plan behind it in CMS's crosswalk. Typical: the median. CMS 2027 plan filings and county plan lists. Vlada analysis.