VIVA Medicare Select Montgomery County, AL Medicare Advantage Plan

VIVA Medicare Select Medicare Advantage Plan for Montgomery County, Alabama seniors on Medicare.VIVA Medicare Select, a Montgomery County, Alabama Medicare Advantage plan from VIVA Medicare Plus, is a Health Maintenance Organization (HMO) option for people with Medicare. It gives you all of the same health insurance benefits as original Medicare and offers extras that Medicare does not cover.

The insurance premium is $0.00 per month. You also have co-payments and/or co-insurances with each healthcare service that you use. You can learn more about the basic coverage costs on the co-payments page.

The real benefit of an HMO plan like VIVA Medicare Select is lower, predictable out-of-pocket expenses. Although more restrictive than original Medicare, a Medicare Advantage HMO plan limits your annual out-of-pocket costs. With Medicare Parts A and B, there's no cap, leaving you vulnerable to excessive medical bills.

With an HMO you are required to use healthcare providers in the plan's network. If you don't you will incur additional costs. Also, be aware that your primary care physician must make refer you before you see a specialist.

Quality Rating

The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.

The CMS has awarded VIVA Medicare Select 3.0 out of 5 stars. That means Medicare deems this plan Average as compared to all others (as of 15 October, 2014).

Out-of-Pocket Expenses

One of the benefits built in to all Medicare Advantage plans is an annual out-of-pocket limit. The maximum is $6,700, but plans are allowed to offer a voluntary limit as low as $3,400 per year.

The most you will pay out-of-pocket if you enroll in this plan is $6,700. This amount is what you actually pay for your healthcare services. It does not include your monthly premium or your prescriptions. It's only the costs you pay out-of-pocket on co-payments and co-insurances.

It's important to do your homework and compare the co-payments and co-insurance with this plan to those of original Medicare. Also, be aware that Medicare Part A and Part B do not limit your out-of-pocket costs like Medicare Advantage. If you stay in original Medicare you must add supplemental Medicare insurance to cover the cost gaps.

Compare Plans

Be a smart shopper. Compare VIVA Medicare Select with these plans:

VIVA Medicare Select vs. Medigap Plan K

You might also consider comparing VIVA Medicare Select with Medigap Plan K. That's because the out-of-pocket limit on Plan K is only $4,940 (vs. $6,700 on this plan) and you can see any doctor you choose. Read Medigap Plan K vs. Medicare Advantage to learn more.

Who Can Join?

You can join VIVA Medicare Select if you are entitled to Medicare Part A and enrolled in Medicare Part B and live in the service area. You must continue to pay your Medicare Part B premium. The service area includes: Cecil, Grady, Hope Hull, Lapine, Mathews, Mount Meigs, Pike Road, Pine Level, Ramer, Montgomery, and all other areas of Montgomery County, Alabama.

CMS File Date: October 15, 2014.

This Medicare Advantage Plan catalog is maintained by David Bynon and was last updated on 9/14/2015. For more information, download the Summary of Benefits (N/A), visit the VIVA Medicare Plus website, or call VIVA Medicare Plus at N/A.