[M2inOR]

When we lived in Oregon, had Kaiser Permanente for almost 45 years. An HMO that covered us worldwide.

Wife and I are healthy, though there were a few out of network matters that were dealt with out of network without issue and without $$$. When we went on Medicare, we seamlessly continued with Kaiser's Advantage plan.

We investigated Villages Health/UHC Advantage and were impressed with the facilities. Easy decision to switch. We considered Florida Blue but found few differences that mattered. Decided to continue with UHC due to worldwide coverage when we travel, just like we had with Kaiser.

Over the years, medical benefits and costs changed mostly due to the Affordable Care Act. Every health plan changed, and to some extent got more expensive and different for many.

In an HMO (and in Advantage Plans) primary care physicians will change over the years, but when you have something serious, you will likely get the best care - in network and even out of network. That's been our experience.

No need to "shop" for doctors and specialists when something arises.

I hope Florida Blue works similarly. When I checked, it did not.