at a glance
- Viva offers Medicare Advantage plans throughout Alabama.
- Viva Medicare Advantage plans are HMOs that include Part D coverage.
- Special Needs Plans are also available for people who are enrolled in both Medicare and Medicaid.
- Viva Health was founded in 1995 and serves more than 100,000 members across Alabama.
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. These plans give you all the coverage of original Medicare but with additional coverage for things like dental care and prescriptions.
Read on to learn about the types of Medicare Advantage plans offered by Viva in Alabama and the services they cover.
Viva HMO plans
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.
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.
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, including:
- 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 traveling out of the county
- a monthly credit 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 some the available plans in the table below.
|Viva Medicare Prime (HMO)||Viva Medicare Plus (HMO)||Viva Medicare Select (HMO)||Viva Medicare Premier (HMO)||VIVA Medicare Extra Value (HMO D-SNP)|
|Monthly premium||$54||$0/$28 (depending on location)||$0||$104||$30.20|
|Primary care visit||$0||$0||$0||$0||$0|
|In-network out-of-pocket max||$5,900||$6,700||$5,900||$5,500||$7,550|
|Estimated total yearly costs for care||$3,727||$3,175||$3,535||$4,015||—|
Medicare Advantage (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 Medicare 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.
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. Your price and exact coverage options will depend on your location.
- 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.