VIVA Medicare Select (H0154-008), 2017 Health Maintenance Organization Medicare Advantage Plan, Calhoun County, AL by .
VIVA Medicare Select is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Calhoun County, Alabama. It includes all of the benefits of Original Medicare and may include prescription drug coverage and other extras. The primary benefit of an HMO is that the out-of-pocket costs are lower and more predictable than with other types of plans. The monthly premium is $0.00.
Please note: You must use plan providers to avoid incurring additional costs. You will be responsible for the costs of out of network care. Referrals may be required for all but primary care physician visits.
Maximum Out-of-Pocket (MOOP) Expense
By law, private Medicare health insurance has an annual maximum out-of-pocket (MOOP) limit that helps protect you from financial disaster. The MOOP limit in 2017 is $6,700, but plans are allowed to have a MOOP as low as $3,400.
The most you will pay out-of-pocket, if you enroll in the VIVA Medicare Select Medicare Advantage plan, is $6,700. This figure does not include your monthly premiums or your Medicare Part D coverage for prescriptions. This is what you pay out-of-pocket on co-payments and co-insurance.Be sure to compare the co-payments and co-insurance with traditional Medicare, but be aware that there are no out-of-pocket limits with Medicare Parts A and B. With Original Medicare you must buy supplemental insurance to cover the gaps or pay out-of-pocket.
CMS 5-Star Rating
The Centers for Medicare and Medicaid Services (CMS) rates the relative quality of all private health insurance offered through the Medicare Advantage program. The ratings are designed to assist people considering enrolling. CMS rates plans on a one to five-star scale, with five stars representing the best quality.
The VIVA Medicare Select Medicare Advantage plan is new and has not yet been rated by CMS. This is why the plan's rating is listed as out of 5 stars (as of 15 October, 2015).
Compare Medicare Advantage Plans
Compare VIVA Medicare Select with these top rated Medicare Advantage Plans available in Calhoun County:
- Blue Advantage Complete
- HumanaChoice R5826-001
- HumanaChoice R5826-065
- VIVA Medicare Plus
- VIVA Medicare Premier