Wish I could give good advice, but since I can't, I'll just add my two cents about how much insurance companies suck. They really do. I'm currently looking for an insurance policy that I can afford without skipping too many meals, but it's tough!
My boyfriend and I have tons of arguments about this--he's in law school and wants to defend insurance companies when he gets out--but no matter what he says he'll still never convince me that insurance companies "have" to be so anal because everyone takes advantage of them. They take advantage of
us, more like.