It's very simple. Regular Medicare is best. Medicare Advantage is about pre-loading benefits like cheaper meds and programs at the beginning, but signficantly decreasing benefits when you hospitalized or need rehab.

oh you certainly wouldn't write an article like this in South Texas.

That's madness. From what I understand, UHC provides supplemental policies, not outright replacement for Medicare. Plus, those policies typically aren't better than just plain Medicare.