Viva Medicare Advantage 2024-2025 Review

Viva Medicare Advantage pros and cons

Our full review

Viva Medicare star ratings

Average star rating, weighted by enrollment: 4

Viva Medicare Advantage plans are rated slightly above the industry average, receiving an average rating of 4 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment^[0]

For comparison, the average weighted star rating from all providers is 3.95.

CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

You can find a plan’s rating with the Medicare plan finding tool.

What does Viva Medicare Advantage cost?

In 2025, about a third of Viva Medicare Advantage prescription drug plans that aren’t special needs plans (SNPs) have a $0 premium^[0]

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you’ll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

• Whether the plan covers any part of your monthly Medicare Part B premium.

• The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

• Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

• The plan’s in-network and out-of-network out-of-pocket maximums.

• Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

• Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Viva plans or compare across carriers.

Available Medicare Advantage plans

Viva offers Medicare Advantage prescription drug plans as well as Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

Viva Medicare Advantage service area

Viva offers Medicare Advantage plans in Alabama only and covers about 57,000 members^[0]