We've had UHC The Villages for seven years now. No trouble getting appointments with PCP or specialists. Specialists do not require pre-approval but it's better if you have your doc's send a referral anyhow. Doctors and staff we've had at Villages Health are great. One time I wanted to go out of network just for my own convenance, one call to UHC and next day it was approved. Yes there are copays but they are capped. A couple of years we max'ed out because of lot's of hospital visits. We've just struck with UHC because it's worked well for us.
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