[villagetinker]

[QUOTE=yabbadu;1164984]Have UHC thru AARP and willing to pay and can go anywhere by my choice. Not as defined by an Advantage program.

Those that refer to the Advantage programs may not be so happy if and when they are really ill and want choices of care.

It is NOT a slam dunk if in the future your health changes and one wants to go from an Advantage program to a Supplement program. Underwriters get involved!

BOTTOM LINE: Choose wisely based on your health now and your spouses . Don't just look at premiums cost. Look forward as you age.......where and what and who do you want to handle your health needs?[/QUOTE]

These are very wise words, and in a nut shell was the discussion we had with SHINE. We had an advantage plan, but changed BEFORE THE YEAR WAS UP and therefore avoided the whole underwriters concern. My wife was very annoyed with the need to stay in network, and had to change 3 of her doctors because of this.