So Health insurance companies are the phone companies of 2000's
What do I mean by that. Well remember took forEVER on phone with phone companies when you had an issue back in the 1990's. I remember my letters and calls to MCI battling their company over bills and coverage.
Now its the Health insurance companies doing the same. Their appeal department and resolution doesnt even have a phone in that department. You can only write or fax them - so you spend hours on the phone with other very nice meaning folks who cant help you at all while they shuffle you around and then drop your call three times...