On 2/18/2026 5:42 PM, Daryl Stout wrote to Mike Dippel:

Mike,

United Healthcare, the largest provider of these plans posted
NET PROFITS of $ 23 Billion in 2023.

They didn't achieve that by approving needed medical care. If
out of network and IF your treatment is approved you will pay
more.

I don't have a Medicare Advantage plan, but with few exceptions,
UHC has been the best one for me, as follows:

1) No co-pay for my prescription drugs.
2) No co-pay for PCP visits (although I may have to pay for lab work).
3) $30 co-pay for specialist visits.
4) 12 medical round trips per year to doctors offices, etc.
5) An allowance that I use to lower my water and trash bill.

Daryl

When I retired from the city in 2002, I had an insurance rep come to the house to
discuss my options. The best option was the most expensive out-of-pocket monthly
premium.

It is a supplement F from UHC. I have no expenses at all for doctor visits, medical
equipment, and much more. I have a large payment upfront but no expenses afterwards.

I DO have to pay for prescription drugs bit I have Wellcare which has no monthly out-of-
pocket and most prescriptions are free or low cost.

Mike Dippel

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