If you are not young and in good health forget it. Had experience with local elderly relative that was talked into giving up straight Medicare and going with United Healthcare HMO. I think the PPO is ok, but the Villages HMO is a disaster. She gave up all her doctors that she was with for years, extremely limited aftercare, no choice of rehab, basically NO home health care except for ONE nurse visit and TWO PT visits and they didn't even get approved until ONE MONTH after she was home from the ONE rehab center that would accept United Health of the Villages (HMO). Unfortunately I'm just getting on this so it's probably too late for you. All I can say now is GOOD LUCK.
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