I am a verteran and my wife just switched to UHC. She switched because she feels it will be better than medicare. We made several phone calls to Tricare for Life and The Villages Health Care to sort out the confusion the United Health Care agents had on this subject. The plan my wife got has no additional expense to us and we still make her medicare payments. With her plan there isn't any co pay from TVHC, but will be some from the specialist when you are referred to one. TFL will pick up the copays from the specialist. When talking to the TFL folks they indicated they like UHC plans as they cover more than what medicare covered.
I switched from medicare to Humana a couple of years ago and it works the same way. Any copays are picked up by TFL. If my wife has good luck with TVHC then I will switch next year. But Humana has been good to me as well. Hope this helps clear up any confusion.
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