Thanks for responses
All of your responses have been helpful as I explore our options. My questions actually grew out of a visit yesterday to one of the Medicare stores, where I spent several hours with an extremely helpful rep. My husband's United Healthcare Empire Plan worked flawlessly when we lived in NY where it was easy to choose from an extensive list of participating providers both before and after we were on Medicare. Not so much out of state (MD and now FL). Also, to have our disabled son and me on his plan costs him about $2200/yr. and there are huge deductibles (out of pocket expenses) and copays. I'm a bit arthritic, but we are otherwise in very good health and on no meds.
Our NP daughter in NY recommended a Dr here with whom she had once trained up there. He was listed in our Empire Plan directory, but when I called, I found he had switched to the Villages plan last Oct. Several other Drs I tried had done the same. That's what precipitated my visit to the Medicare Store to find out more about the Villages plan. Hearing your feedback is reassuring. I will also contact SHINE to better understand all the insurance nuances. This is an extremely helpful forum!
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