[gatorbill1]

Originally Posted by Justputt

A lot of guesswork in these posts. The best thing is to sit down with someone that does this for a living. Rusty Nelson did a YouTube chat with someone that specializes in this near TV. There are a lot of if/and/but to what is best. IMO, if you are at TV fulltime, an Advantage Plan (limiting your referring physicians to local) may be a better bet, since they also cover eye, dental, gym, hearing aids. However, if you are a snowbird, your local Advantage Plan isn't going to cover you in-network in PA, MI, CO, etc. Also, Medicare doesn't require you to get a referral to a specialist, whereas Advantage plans do. Most patients we treat with Advantage Plans require preauthorization, when Medicare doesn't, and sometimes what the Advantage Plan authorizes isn't in the best interest of the patient, e.g. accelerated treatments so the plan doesn't have to pay for as many. You really should consult a specialist in these insurance products because they are very dependent on what you need.

UHC Advantage does not require referral for specialist. And Advantage plans must pay for anything Medicare pays for. That is facts.