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This chart compares our 2008 plans to original Medicare for some frequently used services. Please review the Summary of Benefits for a complete comparison.

Original Medicare Compared with VIVA Medicare Plus Rx & Healthy Lifestyles

	Original Medicare (Parts A & B)	VIVA Medicare Plus Rx & Healthy Lifestyles
		PlusRx Summary of Benefits HLife Summary of Benefits
Premium	Medicare Part B premium of $96.40/month	$0 beyond Medicare Part B premium of $96.40/month
Inpatient Hospital Care	You pay for each benefit period:³ Days 1-60: an initial deductible of $1,024 Days 61-90: $256 each day Days 91-150: $512 each lifetime reserve day.⁴	$200 for each Medicare covered stay⁵ in a network hospital. No copayment for additional days in a network hospital - unlimited days each benefit period.
Doctor Office Visits	You pay 20% of Medicare approved amounts. ^1,2	You pay $10 for each primary care doctor visit⁵ for Medicare covered services. $15 for each specialist visit⁵ for Medicare covered services.
Outpatient Surgery	You pay 20% of Medicare approved amounts for the doctor.^1,2 You pay 20% of outpatient facility charges.^1,2	$175 for each Medicare covered visit⁵ to an ambulatory surgical center. $175 for each Medicare covered visit⁵ to an outpatient hospital facility.
Extra Benefits	N/A	Unlimited hospital days, world-wide emergency coverage, $20 per month toward dues at participating health clubs
Medicare Part D Prescription Drug Benefit	Most drugs not covered. (You can add prescription drug coverage to Original Medicare by joining a Medicare Prescription Drug Plan.)	Included

Original Medicare Compared with VIVA Medicare Plus Select

	Original Medicare (Parts A & B)	VIVA Medicare Plus Select
		Summary of Benefits
Premium	Medicare Part B premium of $96.40/month	$0 beyond Medicare Part B premium of $96.40/month
Inpatient Hospital Care	You pay for each benefit period:³ Days 1-60: an initial deductible of $1,024 Days 61-90: $256 each day Days 91-150: $512 each lifetime reserve day.⁴	$150 for each Medicare covered stay⁵ in a network hospital. No copayment for additional days in a network hospital - unlimited days each benefit period.
Doctor Office Visits	You pay 20% of Medicare approved amounts. ^1,2	You pay $5 for each primary care doctor visit⁵ for Medicare covered services. $10 for each specialist visit⁵ for Medicare covered services.
Outpatient Surgery	You pay 20% of Medicare approved amounts for the doctor.^1,2 You pay 20% of outpatient facility charges.^1,2	$125 for each Medicare covered visit⁵ to an ambulatory surgical center. $125 for each Medicare covered visit⁵ to an outpatient hospital facility.
Extra Benefits	N/A	Same as VIVA Medicare Plus Rx plus $100 for contacts or glasses and one dental exam and cleaning each year.
Medicare Part D Prescription Drug Benefit	Most drugs not covered. (You can add prescription drug coverage to Original Medicare by joining a Medicare Prescription Drug Plan.)	Not Included

Footnotes:

Each year, you pay a total of one $135 deductible.
If a doctor or supplier chooses not to accept assignment, their costs are often higher, which means you may pay more.
A benefit period begins the day you go to a hospital or skilled care nursing facility. The benefit period ends when you have not received hospital or skilled nursing care for 60 days in a row. If you go into the hospital after one benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There is no limit to the number of benefit periods you can have.
Lifetime reserve days can be used only once.
Under a special agreement with the Alabama Medicaid Agency, members with both Medicare and Medicaid do not pay the doctor and hospital copays listed above.