- Viva offers Medicare Advantage plans throughout Alabama.
- Viva Medicare Advantage plans are Health Maintenance Organizations (HMOs) and include Part D coverage.
- Special Needs Plans (SNPs) are available for people enrolled in both Medicare and Medicaid.
Viva is a health insurance provider based in Birmingham, Alabama. The company is part of the University of Alabama at Birmingham Health System and works with a large network of providers throughout the state.
Viva’s insurance offerings include Medicare Advantage plans at a variety of price points. Plans give you all the coverage of standard Medicare Advantage plans, with additional coverage for things like dental care and prescriptions.
Read on to learn which types of Medicare Advantage plans are offered by Viva in Alabama and which services they cover.
Viva Medicare Advantage plans are offered across the state of Alabama. The company has a local focus, with offices and help centers throughout the state.
While Viva’s plans are offered statewide, certain plans are available in only select counties. When searching for your plan options, you’ll enter your ZIP code, which will allow you to see all the plans available in your area.
Viva offers a type of Medicare Advantage plan called a Health Maintenance Organization (HMO). An HMO is a type of health insurance plan that works with a network of providers. You’ll visit doctors, pharmacies, and other providers in your plan’s network in order to get coverage.
If you see a provider outside of your plan’s network, you might pay a higher cost for services. In some cases, the service might not be covered at all. Emergency services are always covered, though, even if you go out of your network.
In addition to standard HMOs, Viva also offers a plan called an HMO Special Needs Plan (SNP). SNPs are designed for Medicare enrollees with medical or financial concerns that require more coverage than a standard plan can offer. For example, there are SNPs for people with chronic conditions or who live in nursing homes.
Viva’s HMO SNP, the Viva Medicare Extra Value plan, is for Medicare enrollees who are also enrolled in Medicaid. The plan provides coverage at low or no cost for dual enrollees.
Viva offers Medicare Part D (prescription drug coverage) along with its Medicare Advantage plans. It doesn’t offer separate Part D plans.
So, while you can get Part D coverage through Viva, you can’t buy it as a separate plan of its own. Your coverage will instead be part of your Medicare Advantage plan.
All Medicare Advantage plans, including plans from Viva, are required to cover the same services as original Medicare. Original Medicare is made up of Medicare Part A (hospital insurance) and Part B (medical insurance).
This includes a range of healthcare services, such as:
- hospital stays
- ambulance transportation
- doctor’s visits
- specialist visits
- therapy and counseling services
- preventive care
- health screenings
- emergency room visits
- hospice care
Many plans also offer additional coverage. The specific additional coverage items available to you depend on your plan.
Some extra features come standard with all Viva Medicare Advantage plans. As of 2020, these include:
- comprehensive dental coverage
- a quarterly over-the-counter drug allowance
- low or no copays for generic drugs and diabetic supplies
- coverage for medical emergencies when you’re out of the county
- up to $20 a month toward fitness memberships
- medication and chronic condition management through the VCare program
All plans also come with access to Viva Health Wellness centers located throughout the state. Members can visit them for free to get help understanding their plan and managing their health.
Viva’s Medicare Advantage plans are offered at a few different coverage levels and price points. Generally, your costs will depend on the plan you choose. You can check out some of the costs with the available HMO plans in the table below.
|Cost||Viva Medicare Prime||Viva Medicare Plus||Viva Medicare Select||Viva Medicare Premier||Viva Medicare ME|
|Premium||$45||$0/$28 (depending on location)||$0||$104||$0|
|Primary care visit||$0||$0||$0||$0||$0|
|Emergency room visit||$90||$90||$90||$90||$90|
The prices listed above for emergency room visits apply only when you remain an outpatient. If it’s decided that you need to be admitted to the hospital, this type of stay is billed and covered differently.
How much do Viva Medicare Advantage SNPs cost?
Viva’s SNP, Viva Medicare Extra Value, is for people who are also enrolled in Medicaid. Your price for this plan will depend on the type of Medicaid your income qualifies you for (such as full Medicaid, QMB/QMB+, SLMB, QDWI, or QI-1). The plan is split into two categories. Some of the costs for each type of coverage can be found below.
|Cost||Full Medicaid, QMB/QMB+, or SLMB||QDWI, QI-1, or SLMB only|
|Primary care visit||$0||$0|
|Emergency room visit||$0||$90|
Medicare Advantage plans, also called Medicare Part C plans, are offered by private insurance companies. These plans are required by Medicare to cover the same services covered by original Medicare (parts A and B). Your Advantage plan will take the place of your original Medicare coverage.
Depending on the plan you choose, you may be responsible for costs like:
- coinsurance costs
Any premium associated with your Medicare Advantage plan will be charged in addition to the Part B premium. In 2020, the standard Part B premium is $144.60. So, for example, if you choose the Viva Medicare Premier plan, with its $104 premium, you’d pay a total of $248.60 a month.
The plans available to you will depend on your location. Local plans like Viva are only available in select states or cities. Other plans from large insurance companies might be available in a wider area, but your price and exact coverage options will depend on your location.
Original Medicare doesn’t include prescription drug coverage. That’s where Part D comes in. If you have original Medicare, you can use a Part D plan to help cover the costs of your prescriptions.
Like Medicare Advantage Plans, Part D plans are offered through private companies. These plans also have their own premiums and costs added to those for original Medicare.
Part D plans have a list of medications they’ll cover, known as a formulary. The formulary will include generics, name brands, and specialty medications that your plan covers.
Generally, Part D plans also have a network. You’ll need to use pharmacies that are part of your plan’s network in order to get coverage.
If you’re shopping for a Part D plan, you can enter your current pharmacy and prescriptions on the Medicare website’s plan finder tool. It will then show you only plans that include your prescriptions in their formulary and your pharmacy in their network. You can then select from plans that may work for you.
- Viva offers Medicare Advantage plans throughout Alabama. Plans include various HMOs at different price points and coverage amounts.
- Viva also offers an HMO SNP for Medicare members who are also enrolled in Medicaid.
- All of Viva’s plans include additional coverage for dental care, prescriptions, and travel emergencies.
The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Healthline Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Healthline Media does not recommend or endorse any third parties that may transact the business of insurance.