The Eli Lilly big brother health care blues

OK, I realize I have health insurance. I also realize it is pretty good. My gripe is with the process and billing and payment. I just got the bill for my ER visit from the great BMX incident. It was for $341 dollars. Hmmm. My health plan is to pay 100% of all non-admission ER visits. I was not admitted. Therefore buck up, Anthem. I read the bill and see my health plan refuses to pay due to incorrect coding. WTF! It said X-ray & ER visit right on the statement. What irks me is that I now need to file additional paperwork with my insurance. All the while the bill will remain unpaid and if it malingers too long ends up at a collection agency. Guess who gets the nastygram? Me!
To top that I go to re-enroll in my health plan for '08 and i notice small print from "the Colonel". If you fail to enroll benefits will not roll over. You will be reassigned to an HSA account. Whoaaaa Nelly. Since when can someone be reassignd without consent? Is lack of response consent? If someone approaches me and says "I am going to beat the living shit out of you", and I fail to respond in a timely manner am I giving consent to be pummeled? Out of curiousity I decide to compare my present plan and the HSA plan. My deductibel is $200 in and $200 out of network. That is a scam in and of itself. However, the HSA has a $2,000 deductible! No that was not a typo of one too many zero's. It is a full boat $2k deductible. Seems like a bargain huh? Read on. Every single line item for reimbursement was 10%-20% less with this new plan that people must avoid being reassigned to.
This is such an underhanded way to reduce health care expenditure for Lilly. Really the company should be paying people lioke me for being so healthy 99% of the time.
Damn, that got me in a lather today.
Don't let the bastards get you down!