It's appropriate to pick on UHC here but a lot of this insanity derives from rulemaking by Health & Human Services and Center for Medicare/Medicaid Services with a healthy dose of legacy everything thrown in. Even if you really wanted to fix this in an overall way you cannot without acts of congress, rulemaking by federal departments and individual legislation in each of the states and local medical jurisdictions. UHC has no inventive to make it easy to submit a claim but likewise they realize the futility of expending a lot of resources to make it the tiny bit better that current regulation would permit.

I am author of Hacking Healthcare for O'Reilly, 20+ years experience building and managing health systems