[lpkruege1]

Originally Posted by JWish

We just moved to The Villages from another state, and I just started in Medicare in December. All was set up for the other state as original Medicare, as I had researched Medicare extensively and heard lots of negatives about Advantage plans.

We are now working with a local Medicare insurance broker in The Villages, who is telling us that Advantage plans are totally different in Florida than the rest of the country, and that Villages Health is a different and amazing care system than normal care providers.

Sounds too good to be true as we would save a significant amount of money on a Florida Advantage plan, but I don’t want to fall for a sales pitch and regret it later.

Is this a different animal in Florida? Any challenges finding providers around The Villages for Advantage Plans? Any challenges finding providers accepting new patients? Does the UHC Advantage Plan travel provision really work? I’m hesitant to voluntarily join an HMO, but maybe the PPO version would be a better fit for a skeptic.

Looking for real-world experiences with it, especially from those who have been on it awhile.

Thanks for any feedback!

Watch the travel side of it. What's covered, where, at what percentage. Is international travel covered? Do you snow bird? I found most of my seasonal doctors were not on the plan. I went with a medigap policy. It cost me more a month but I get quality care from anyone excepting medicare. Just saying.