Yes, it's quite unfair.
Unfortunately,Leslie, it is also quite legal.
I hope they give you some better attitude after reading your letter, though I suspect they will not care at all.
We all probably know this, but it merits repeating. Doctors are not very organized in their efforts to be treated well by the insurance companies.
If physicians strike, patient care goes down. Most physicians can't see themselves putting the patients at risk, and the insurers take full advantage.
My $0.02
