The insurance companies are by far better at paying their claims than government run Medicare & Medicaid! They are like dealing with the IRS and 'cash for clunkers' all rolled into one!
I am in a Medicare morass right now. I was supposed to get a corrected card and waited over a month - in the meantime I wasn’t in the Medicare computers and all my doctors were sending me bills and even collection letters.
When I called Medicare (several times) they got testy with me, and one guy even told me I needed to cool off and let it “work its way through the system”. That was in June. Still not straighted out.
It’s a classic government giant system. Don’t let anyone tell you different. There’s reason experienced seniors don’t want it expanding.