Vlada · Research · 2026-10-20 · observed
In 891 counties, Devoted's new 2027 plans are the only MAPDs pairing money back with big dental.
What did Devoted launch for 2027, and how does it compare with the MAPDs already on sale in the same counties and with its own existing plans?
| 2027 regular Medicare Advantage MAPDs | counties |
|---|---|
| Only Devoted's new plan | 891 |
| Devoted's new plan and others | 426 |
| Others only | 497 |
MAPD = 2027 benefit-vector product type non-SNP HMO or PPO (HMO-POS included), employer plans out, Part D read from a filed Part D deductible or tier-1 copay (the vector's part_d flag is empty for 2027). Devoted = parent Devoted or, where the 2027 parent is empty, a plan name starting DEVOTED. New = crosswalk new_plan or initial_contract. Money back = Part B giveback >= $10 a month. Big dental = comprehensive dental cap >= $2,000, pooled card >= $2,000, or major dental (PBP B16c restorative, endodontics, prosthodontics, oral surgery, implants) built in (amo 2 or 4) with no cap filed. County categories from the CMS 2027 county plan list. Comparison medians across county plan listings in the 891 counties; plan-level medians across plans as filed. · CMS 2027 plan benefit filings (benefit vector and PBP section B16), 2027 county plan lists and plan crosswalk. Vlada analysis. · 3 rows
The posted figure
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- Plans are counted as filed (contract, plan, segment) and listings by county, not weighted by members; 2027 enrollment arrives in January.
- Medians in the comparison are across county plan listings in the 891 counties. Rivals' dental is read from PBP section B16 (data/rival_moneyback_dental_b16_2027.sql): 96% of other carriers' money-back MAPD listings build in exams, cleanings or x-rays; 43% build in major dental, capped at $200 to $1,500 (median $500); Humana's HumanaChoice Giveback plans file major dental as an optional paid rider. Witness: HumanaChoice Giveback H5216-154 2027 on medicare.org (Plan Finder data) shows $0 exams, x-rays, cleanings and periodontics, restorative, endodontic and oral surgery not covered, and a $47 Part B reduction, matching the filing.
- Threshold sensitivity (counties where only a new Devoted MAPD pays money back with dental at or above the line): $2,000: 891; $1,500: 797; $1,000: 348; $500: 252. The post names the $2,000 line and states that rivals' money-back MAPDs that build in major dental cap it at $1,500 at most (median $500), so readers can judge the line.
- Conservative dental rule: a plan with major dental built in and no cap filed counts as big dental; this moves 10 counties (Humana CareFree Giveback in Florida, Corewell PriorityMedicare in Michigan) out of 'only Devoted'.
- Plans without Part D (mostly veterans' giveback plans: AARP Patriot No Rx, Humana USAA Honor Giveback, Aetna Eagle, Anthem Veteran, Florida Blue BlueMedicare Patriot, Kaiser Liberty Giveback) pair the two in 761 of the 891 counties on a $2,000+ cap, 769 counting major dental built in with no cap (audit-mapd); the post says 'most'.
- Comparison columns are other carriers' plans; Devoted's own older plans, sold in 798 of the 891 counties, are left out of them (with them, money-back MAPDs median $109 back and a $250 cap).
- Special needs plans are out of scope; Devoted also filed 87 C-SNP Giveback Extras plans, not counted.
- Data gaps in the benefit vector (2027): part_d empty on every row; parent empty for Devoted's seven new contracts. Workarounds stated in the measure.
- The filings show the design, not why Devoted built it, and not who will switch.
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