The reason people don't have trouble with United Healhcare's Medigap insurance (thru AARP) is that the gov't dictates what will be paid according to the plan you select: Plan A, Plan C, Plan F, etc. United is just one company that sells Medigap but they all must follow the same rules. John N, perhaps the United Healthcare policy you had was through your employer? In that case, the contract was between your employer and United. That is the way our secondary to Medicare is (Aetna). If they can find any loophole to not pay, that's what they'll do. It's always a surprise to read their "explanation of benefits."
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