Although I am sure there will be someone in the DC group who can and will help you out (lots of your friends here are smart), from the posts I've read, IMHO your messages are not hard to make out and you always get your point across.
I'm having problems with medical charges right now, too. The "free" physical examination we USA Medicare recipients are supposed to get once a year (starting this past January) is giving me a pain in the neck.
Good luck with your insurance problems.
No matter how simple it seems, it's complicated.