UnitedHealthcare
3.82
CMS Star Rating
from UnitedHealthcare
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The bottom line: Viva Medicare Advantage gets solid star ratings and above-average member experience scores but offers only HMO plans in Alabama. Jump to: Full Review
Star ratings: Every Viva Medicare Advantage plan gets 4 stars from CMS.
Members give high marks: Member experience ratings on metrics like customer service and getting needed care are above the average for major providers.
Limited availability: Viva offers Medicare Advantage plans in Alabama only.
HMOs only: Viva offers only HMO plans, which provide the least amount of flexibility for members.
3.82
CMS Star Rating
from UnitedHealthcare
4.27
CMS Star Rating
on NerdWallet
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
3.63
CMS Star Rating
from Humana
3.93
CMS Star Rating
on NerdWallet
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
» More options in our roundup of the best Medicare Advantage plans
3.82
CMS Star Rating
from UnitedHealthcare
3.63
CMS Star Rating
from Humana
» More options in our roundup of the best Medicare Advantage plans
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. For comparison, the average weighted star rating from all providers is 3.92.
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.
In 2025, about a third of Viva Medicare Advantage prescription drug plans that aren’t special needs plans (SNPs) have a $0 premium. You’ll also still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024.
(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.
Viva offers Medicare Advantage prescription drug plans as well as Medicare Advantage plans without drug coverage.
Plan offerings include the following types:
Viva offers Medicare Advantage plans in Alabama only and covers about 57,000 members.
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?