You have to remember that the profit motive for the insurance company is to deny 
claims and delay payments and lose paperwork.
My brother is a dentist with a large practice. They had two people in his office setup 
just to deal with insurance companies. Even with pre-approvals their success rate of 
reimbursement is only 70-75% on the first submittal. And these people know how the 
system works! They DO spent large amounts of time talking to insurance reps, 
resubmitting documents, and refaxing again the same info to get the claims filled. One 
blank spot on a form can kick out the form as denied.  So don't feel bad that you seem 
to have to do these same things for your individual claims. This is just standard 
operating procedure for an insurance comp.
Jim LaFrom
San Jose, Ca
now get out there and work dem workn'dogs

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