Mitch
I am right up the road from you in 33952. I have had Humana HMO through Millennium Physician Group for several years with great service and no premium. They offer supplemental dental and eye care coverage that we didn't buy. Primary doctor visits are 0 copay and specialists $15. The only downside for some is that you have to stay in their network of doctors, but the list is extensive.

It depends on ones preferences and circumstances, but the Advantage plans are best for us, as we prefer not to pay for 100% supplemental coverage. Medicare is at 80% basic, and advantage plans, by law, have to meet or exceed medicare, which they do.

Bernie