Viva Medicare Benefit plans can be found in Alabama solely, and the supplier’s star rankings from the Facilities for Medicare & Medicaid Providers (CMS) are effectively above common. Member expertise rankings are additionally above the common for main suppliers.
Right here’s what it’s best to find out about Viva Medicare Benefit.
Viva Medicare Benefit execs and cons
Viva’s choices have benefits and drawbacks.
Excessive star rankings: Each Viva Medicare Benefit plan will get 5 stars from CMS.
Members give excessive marks: Member expertise rankings on metrics like customer support and getting wanted care are above the common for main suppliers.
Restricted availability: Viva presents Medicare Benefit plans in Alabama solely.
HMOs solely: Viva presents solely HMO plans, which offer the least quantity of flexibility for members.
Viva Medicare star rankings
Common star ranking, weighted by enrollment: 5
The Facilities for Medicare & Medicaid Providers maintains star rankings for Medicare Benefit plans on a 5-point scale, rating plans from greatest (5 stars) to worst (1 star). The company bases these rankings on plans’ high quality of care and measurements of buyer satisfaction, and rankings might change from yr to yr.
Based mostly on the newest yr of information and weighted by enrollment, Viva’s 2024 Medicare Benefit plans get a median ranking of 5 stars.
For comparability, the common star ranking for plans from all suppliers is 4.04.
What does Viva Medicare Benefit value?
Prices for Medicare Benefit plans rely in your plan, your geographic location and your well being wants.
One of many prices to think about is the plan’s premium. In 2024, about half (52%) of Viva Medicare Benefit plans that aren’t particular wants plans (SNPs) have a $0 premium.
At the same time as a Medicare Benefit consumer, you’ll nonetheless be chargeable for paying your Medicare Half B premium, which is $174.70 per 30 days in 2024
, though some plans cowl half or all of this value. (Most individuals pay this customary quantity, but when your revenue is above a sure threshold, you may pay extra.)
Copays, coinsurance and deductibles
Necessities for copays, coinsurance and deductibles fluctuate relying in your plan, location and the providers you utilize. Different out-of-pocket prices to think about embody:
Whether or not the plan covers any a part of your month-to-month Medicare Half B premium.
The plan’s yearly deductibles and every other deductibles, corresponding to a drug deductible.
Copayments and/or coinsurance for every go to or service. For example, there could also be a $10 copay for seeing your major physician and a $45 copay for seeing a specialist.
The plan’s in-network and out-of-network out-of-pocket maximums.
Whether or not your medical suppliers are in-network or out-of-network, or how usually you might exit of community for care.
Whether or not you require further advantages, and if the plan fees for them.
To get a way of prices, use Medicare’s plan-finding device to check info amongst accessible plans in your space. You possibly can choose by insurance coverage provider to see solely Viva plans or evaluate throughout carriers. You can too store immediately from Viva’s web site by getting into your ZIP code.
Accessible Medicare Benefit plans
There are a couple of sorts of Viva Medicare Benefit plans, and so they fluctuate when it comes to construction, prices and advantages. Viva presents Medicare Benefit prescription drug plans (MAPDs) in addition to Medicare Benefit plans with out drug protection.
Plan choices embody the next sorts:
Viva Medicare Benefit service space
Viva presents Medicare Benefit plans in Alabama solely and covers about 54,000 members.
Examine Medicare Benefit suppliers
Get extra info beneath about a few of the main Medicare Benefit suppliers. These insurers provide plans in most states. The plans you’ll be able to select from will rely in your ZIP code and county.
Discover the precise Medicare Benefit plan
What are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance might be? Are you able to afford them?
Is your physician in-network? You probably have a most popular medical supplier or suppliers, be certain they take part within the plan’s community.
Are your prescriptions lined? In case you’re on medicine, it’s essential to know how the plan covers it. What tier are your prescribed drugs on, and are there any protection guidelines that apply to them?
Is there dental protection? Does the plan provide routine protection for imaginative and prescient, dental and listening to wants?
Are there extras? Does the plan provide any further advantages, corresponding to health memberships, transportation advantages or meal supply?