Viva Medicare Advantage 2024-2025 Review

Viva Medicare Advantage plans are available in Alabama and get slightly above-average star ratings from CMS.

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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

Viva Medicare Advantage pros and cons

Pros

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. 

Cons

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. 

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC (product card)

UnitedHealthcare

3.82

CMS Star Rating

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from UnitedHealthcare

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Aetna Medicare Advantage

Aetna

4.27

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

Humana Medicare Advantage

Humana

3.63

CMS Star Rating

(866) 215-2655

TTY 711

Call Humana
GET A QUOTE

from Humana

5am - 8pm, daily PST

Call Humana
(866) 215-2655

TTY 711

Cigna Medicare Advantage

Cigna

3.93

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 8am-10pm EST, Sa-Su 9am-9pm EST

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

» More options in our roundup of the best Medicare Advantage plans

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

3.82

CMS Star Rating

Call UnitedHealthcare
GET A QUOTE

from UnitedHealthcare

Call UnitedHealthcare
Humana Medicare Advantage

Humana

3.63

CMS Star Rating

(866) 215-2655

TTY 711

Call Humana
GET A QUOTE

from Humana

5am - 8pm, daily PST

Call Humana
(866) 215-2655

TTY 711

» More options in our roundup of the best Medicare Advantage plans

Our full review

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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

Centers for Medicare & Medicaid Services. 2025 Star Ratings Data Tables (ZIP). Accessed Oct 23, 2024.
. 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.

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

Centers for Medicare & Medicaid Services. CY2025 Landscape (202410) (ZIP). Accessed Oct 23, 2024.
. 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.

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:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Viva offers one type of SNP:

  • Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

Viva Medicare Advantage service area

Viva offers Medicare Advantage plans in Alabama only and covers about 57,000 members

Centers for Medicare & Medicaid Services. Monthly Enrollment by Plan. Accessed Oct 23, 2024.
.

Compare Medicare Advantage providers

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.

Find the right Medicare Advantage plan

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?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Medicare will have big changes in 2025. Compare Medicare Advantage plans