Florida Blue HMO vs United Health Advantage Plans
 

We switched this year to Florida Blue HMO From United Health and so far it has been good, with only a small copay to our optometrist, but we are considering going back to United. We’ve had no other out of pocket expenses.
I am looking at knee replacement in the future. Does anyone have an opinion of which plan would have the best coverage for this surgery?
Thanks

I have UHC Plan F (paid by Employer retirement) over the last 3 years $0 out of pocket for Hospital stay/procedures Abdominal stint placement

UHC Plan F is a Supplement the OP is asking about Advantage Plans, apples, and oranges. A supplement is 100% better, there are no networks, no referalls or approvals, go to any Dr. or hospital the monthly premium is more with a Supplement. The out-of-pocket is more with an Advantage Plan. The OP may not qualify for a Supplement due to preexisting conditions. Pick your plan carefully you only get one chance to get a Supplement with a guaranteed issue. Be sure to ask about the trial period when you sign up.

How much are your monthly premiums? My maximum OOP is $2500 and so far this year have spent less than $100 in co-pays.

My monthly premium is $58, I can go to any Dr. or hospital that accepts Medicare with the decision being made by my Dr. and myself with no approval by an insurance company. Advantage Plans are great until there not!!!

UHC Advantage plan has no referral needed for specialists - you make your own decision, do not need your doctor's referral. Even though most doctors will give you the referral when asked for, it is quicker if not needed. That is why we have UHC advantage plan. NO monthly extra premium. Only Medicare takeout from Social Security.

Wow, the average premium for Plan F in Florida is $213. You got a great deal.

Generally, Plan G is a better deal than Plan F. The only difference is that Plan F includes the Part B deductible of approximately $200. For our area, the premium difference is greater than $200 so Plan G is a better deal. For many people, Plan N will be an even better deal.

I should have known not to post a question here. Lots of responses, but not an answer to be seen.

Here is an actual answer to your question. We have the Florida Blue Advantage PPO plan. Our monthly premium is $0. We’ve have a $10 copay for our physicians, and a $47 copay for specialists with no referral needed. My wife has had 2 hips replaced (Dr Locker), a knee replacement (Dr Duke), and successful cancer surgery (Moffitt/Tampa). Since we don’t have UH I cannot compare but with Forida Blue there is a daily hospital charge (around $300) for the first 4 days then all is covered. For hip and knee replacement only one night in hospital. With both UH and Fl BL plans you will get a much better selection of Specialists with a PPO vs HMO. Dr Duke (Ocala) and Dr Locker (Ocala) are highly recommended on TOTV.

I compared the two and there are minor differences between them. Maximum out of pocket is better with Florida Blue as are the amounts paid for hospital stays. There’s few other differences but minor stuff. Call SHINE and have them explain things to you. They do not charge for this service.

Have you UHC and have been very satisfied. Difficult to beat a Medicare Advantage Plan.

Only in the US do you have to play this ridiculous medicine-for-profit shell game. It won’t happen in my lifetime but the single-payer system is what all the other first -world nations have for healthcare. Just sayin.

Go back to United healthcare. Dr. Duke Dr. Nguyen are not covered under Florida blue. And they are two of the best for Nails.

What did the insurance companies say when you called them?