ODS Insurance Arbitrary Medical Claims Refusal to Avoid Payment Internet

As a member of Oregon Educators Benefit Board, I expect good service for the high dollar insurance my school district provides for me (ultimately, the tax payers pay the bill).  Today I received a second denial of a claim for $140 for a simple doctor's visit (review of lab work and receipt of prescriptions for thyroid, hormones and a virus). ODS ordered the doctor's chart notes for no known reason and now claims they are insufficient (despite my submission of the prescription receipts and the lab tests).  I should be receiving a 50% reimbursement for an out of network doctor visit - a whole $70.  In researching ODS, I learned that they made one billion dollars in revenue in 2010, according to the Portland Journal.  The OSPIRIG Foundation's Health Insurance Rate Watch Project released an analysis of a proposed rate increase on September 14, 2011 including the following concerns:  1)  A low percentage of premiums expected to go to medical care - just barely above the 80% federally required minimum, 2) High administrative costs - including rapidly rising agent and broker commissions that may be excessive, 3) Potentially inflated projections for medical costs due to the recent cost slowdown due to the poor economy.  ODS' own website shows over a 70% increase in premiums to subscribers in small businesses over the past five years. - while they showed a hefty profit each year.  Make no mistake - ODS cares about one thing - PROFIT.  If you choose this company, be prepared to fight for your reimbursements.