One more thing: why don't we force all insurance companies to use the same billing form? That would save a ton of money.
Commerce Secretary Herbert Hoover (later President) crusaded standardization for all sorts of industries in the 1920s: "from milk bottles and auto tires to kitchen plumbing and gas meters" according to this site. We still benefit from his efficiency. In the Information Age, seems like we need some information standardization regarding health insurance to reap similar efficiencies.