I had a prospect call me 2 hours before our appointment. They had both decided to buy plan F from UHC in Florida. But, they spoke with a woman who said that UHC wouldn't cover her elderly mother for some things. She said that its not true that someone with a supplement can go to any provider that accepts Medicare. She said that these doctors have to have a "contract" with the insurance companies. And, maybe this doctor wasn't contracted with UHC? She also said that UHC has been changing their contracts to get out of paying for services that even Medicare has said is necessary. This woman who gave this advice used to "do billing for insurance". And, her husband owns an MRI imaging practice. Does any of this make sense to anyone?! Thanks.