I would contact SHINE, (Serving Health Insurance Needs of Elders) to get an unbiased opinion on what you may need.
Mailing Address: SHINE c/o Colony Cottage Recreation Center 510 Colony BLVD The Villages FL 32162 TEL: 800-963-5337 Alternate Phone: 352-750-1935 Email:
information@elderaffairs.org
I have been in TV for eight years and contacted them last year and changed health insurance that suited my needs better!
__________________
"It doesn't cost "nuttin", to be nice". 
MOM
I just want to do the right thing! Uncle Joe, (my hero).