Prettycat, I empathize. I got online to review my claims for this year. Just by accident I noticed a recent $800+ procedure claim that my insurance paid my doctor........that was never performed. The insurance already paid the "provider". I spent a boatload of time on the phone with these people, needless to say. As rkayw knows, you simply cannot trust people to follow through, do things right or do things fairly. You've got to nag, nag, nag.