[debron911]

Kathy,
My mother was on a traditional Medicare plan with her employer and cost her $250 monthly. Her medications out of pocket at least $85 a month. I switched her four years ago to a Medicare Advantage plan with United Health Care - The Villages Complete 2 with a monthly premium of $83. She has had four years of many surgeries, ER visits, hospitalizations, etc and I can tell you the plan has been wonderful. I chose that plan because the MAX out of pocket was $1900 with no annual co-pay. There have been some changes and for 2021 The Villages UHC will only be offering one plan. I will tell you no referrals are needed to see a specialist or pre-authorizations to see a specialist. For 2021 the UHC-Villages plan has a max out of pocket of $2900. Primary doctor visits are zero. Specialists are $40 co-pay. It is a HMO but our experience with the Villages UHC has been awesome. There is a co-pay for ambulance and for 2021 hospital admittance co-pay of $250 for the first 6 days. There is a Medicare office in Sumter Landing. They can answer your questions but we have been very impressed with the quality of the plan and a majority of doctors here take UHC. The irony is that my employer plan Medicare Advantage plan with Michigan BCBS is not accepted at The Villages Health. But my plan is a bit better and I never pay a premium. My mother was reluctant to let her employer paid traditional Medicare go but it was a blessing because of all her medical needs after we signed up for UHC. Good luck, Debbie