We have an Advantage plan also, and both myself and my husband think it is wonderful. Our insurance agent will sit down with us and go over anything that he thinks might be a better plan for us, so we just upgraded our present United Healthcare plan for a HUmana one which will start in January.
The UHC one is actually really great, too. It includes $2500 dental, $200 eye exam and glasses, $250 each quarter allowance for OTC meds (cold meds, vitamins, knee braces, etc), plus it pays for our membership at the fitness club where we go just about every day.
The new Humana one also covers all of those extras, plus it is $100 per month allowance for OTC items, and gift certificates for completing routine exams, and also for things like going to the fitness center.
Our plan also covers rides to the doctor if we needed that as well as phone or online consultations; but we have not used those benefits thus far.
I am currently enrolled in UHC plan for heart failure patients, and they are sending me a special scales and tablet to record weight changes and other information about my heart. I think that Humana has a plan like that also, but I can’t check that out until we change over in January.
Our agent said that they are not supposed to talk about an advantage plan unless the customer specifically asks about one, so you might need to bring that part up when you are talking with your insurance agent about which plans work best for you.