Quote:
Originally Posted by GordonL
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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Regarding "not the best for snowbirds", I read something about a so-called "Passport" feature of UHC Medicare Advantage plans that enables members to receive non-emergency care outside their home area as long as there are in-network UHC providers in that area. Is this feature available on either of the two UHC MedicareAdvantage options available in TV? Here's an excerpt from the UHC webpage I found the information on:
UnitedHealth Passport® program – Get non-emergency care in certain areas within the United States for no additional monthly premium. You only pay the applicable co-pays according to your Evidence of Coverage. (UnitedHealth Passport is available on many, but not all, MedicareComplete plans insured through UnitedHealthcare. Note that emergency care is already covered worldwide on all plans.)
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Bob C