You know, it's popular to point fingers at "insurance companies" as the devil, but think about it; they are the last link on the chain, so all the shit - markup, errors, bad billing - flows down hill. I don't at all excuse them and certainly they should not be putting people like King, me or Lordxizor in the middle, but they shouldn't be the garbage can either.
Every contract, every transaction, has waste and error and a change for mistakes; unless and until we can streamline this process, we're going to keep experiencing shit like this (and King is dead right: time is money, and it's not like you can do this on Sunday afternoon when there is no work, the kids are outside, and yadda yadda).