[M2inOR]

We were in an HMO for most of our working years, Kaiser Permanente. Thru our employers, Kaiser provided our healthcare and prescriptions, for a monthly fee, and co-pays when there were office visits, procedures, or hospitalization.

We were very happy. Thankful for our good health.

When we retired and moved to The Villages, we looked at traditional Medicare with Supplemental, as well as Medicare Advantage plans, choosing the latter, as Villages Health seemed quite like what are Jasper experience has been. No need to search for doctors when something required attention. Our PCP took care of things or referred us to a specialist if needed.

While premiums and co-pays are quite low, they monthly total cost is determined by income. The amount paid to CMS can get larger due to IRMAA. Your monthly Part B payment to CMS is based on your 1040 income.

For regular healthcare, you must use services provided in your service area.

Emergency or Urgent Care is covered across the US. Foreign coverage is not included, so consider paying out of pocket, or separate travel insurance.

We are happy so far with Villages Health and United Healthcare.

And yes, UHC/Villages Health DOES get a fixed amount from CMS regardless of how much healthcare we get each year. They are also reimbursed for certain things over and above that annual payment. They are also rewarded with incentives for keeping patients healthy.