Hubby and I have been on "straight" medicare plus UHC supplement F plans since turning 65, 7 and 5 years ago. We've never paid but one medical bill out of pocket and that was $12 for a test not covered my medicare. Btw, they must tell you up front that a particular test or procedure will NOT be covered by medicare and get you to sign that you understand, or they CANNOT bill you for it! This is assuming you are seeing a medicare participating doctor, which we do. We've never come across a doctor around here that does not gladly accept Medicare or our UHC supplement.
A couple of years ago I investigated switching to a UHC Medicare advantage plan to save money. No one was able to tell me that I could switch back to "straight" Medicare if I was dissatisfied. My cardiologist told me that they were being dropped from the advantage plan list of participating doctors beginning in January so that was a game changer for me.
If you have significant health issues IMHO you would fare better with "straight" (original) medicare plus a good supplement.
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