Actually talked to SHINE a while back when we were there in Oct. They said for us the UHC advantage plan is a great option.
We've done a lot of research and talked to an agent here in Indiana. Copays don't bother us.

There's no perfect plan. They all have pluses and minuses. The fact is over 50% choose advantage plans now and the satisfaction rate is 88%. So they're not all bad.

Just like anything in life you can find bad stories out there about these plans. But in our research the reviews have been mostly positive.

we have it too. it works well for us, costs are under control, & any major procedure is covered if an outside facility is needed. my entire spinal fusion was a 150$ co-pay @ the time of service, then billed $400 for remaining cost. not too bad, imo. i also had 1 of the best doctor's in Orlando Health. you will need to shop around if you want, we did & chose the Villages plan

You don’t say why you are against advantage plan

Villages Health Care has the best doctors I have ever had.

healthgrades.com

UHC will send you a list of providers in TV. Call the number on the back of your Medicare Advantage card.

I have FL BL Med Advantage & it is grrrrrrrrrrrrrrrreat

I’m in the same boat- 2 yrs until retirement-I spent numerous hrs on the phone with an agent discussing all the plans finally decided on the UHC advantage plan - next I spent an hr on phone with underwriters going over everything with underwriters- I’m healthy and only take pantropazole since I had a peptic ulcer 3 yrs ago from very stressful job- and also a low dose antidepressant- my agent said oh no problem to get approved- 4 days later I get letter NOT approved due to medications ! Really ??? All that time wasted so now going to a great agent my husband has at Fl blue and will be picking a plan with him

We have UHC Advantage Plan Regional PPO and we are very pleased with it. We have not been refused usage of it by any doctor or facility here in The Villages, we still routinely drive to Sarasota to see a couple of our old doctors, and because it is a nationwide plan we can find in-network providers anywhere we go. The benefits will get even better in January. They are eliminating co-pays for primary doctors and tier one drugs, lowering co-pays for specialists and expanding the dental and eye plans. We have changed plans several times since retirement and this plan meets or exceeds all others we have had.

I have always felt that having "choices" is the best situation to be in. I feel that it actually is the definition of health. As I stated earlier, I worked many years with the advantage plans provided by a major health insurance company....and one that is currently available in The Villages. I found that I had many more "choices" through a medicare supplement plan. No matter where I live, what doctors I want to see or what conditions I may develop...if they accept medicare, I will not be denied. There are too many unknowns in our life and I did not want to add the ever changing advantage plans to that list.

We have that plan. Big savings. We have very little issues with the plan. There are increases the benefits in Jan. 2023. No referrals needed. Call UHC about having coverage in IN and FL. We had coverage in CT and FL for many years as snowbirds.

Since several plans are being discussed, perhaps you would identify to which plan you are referring.

I have UHC Medicare Advantage - Walgreens. I'm perfectly happy with it. I pay no monthly fee, no prescription costs, and my deductible for seeing a specialist is very affordable.

Thanks everyone for the helpful feedback. We're going with the UHC advantage ppo. That's the plan that checks the most boxes for us. The nice part is that there are many options when it comes to medicare. No one plan is right for everyone.

Network
 

I could be totally wrong but I think it would be rare to get an advantage plan that would give you a good network in two different states. When I looked at an advantage plan after moving here from Pinellas County FL I would not be able to continue going to Moffitt Cancer center because of the change of zip codes.