I have Villages Advantage and will be switching back to Medicare Plan F next year. I think The Villages is a fine plan for people in general good health, but I'm not. The trouble and stress of getting referrals, finding specialists who accept my plan, and dealing with conflicting information from UHC customer support is not helping. Plan F will be more expensive but I think will provide more peace of mind for me. People's needs are different!
I also exceeded my out of pocket limit last year.
This may be minor to others, but I also find Villages Advantage to be quite intrusive. They call me a lot and send 2-3 letters a week, trying to sell other services and get me to "partner" with them to discuss my health issues. Sorry, but I don't consider an insurance company to be my partner. Their bottom line is not mine.
But then, I'm a loss leader for them and am sure they won't be sorry to see me go. I won't be discussing the change with my agent beforehand. ;-)
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