My wife and I were also confused about medicare programs when we turned 65. Agents always seemed to have an agenda and created more confusion. Yes, UHC The Villages Advantage plan is a great deal with some caveats. It is a local HMO, so it is not the best for snowbirds. But you have emergency coverage anywhere in the US. You are restricted to doctors in the UHC network, but most people seem to be quite happy with the choices. If you have unique medical condition(s) you should check to see needed specialists are in network, otherwise consider a supplement plan rather than an Advantage plan.
Wife an I have been in 3 Advantage plans due to moves. We have been very pleased with all - Cigna, Humana and now UHC. Medical events have included cataract surgery, knee replacement surgery, hearing aid, dental care.
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