My take, for what it's worth, dealing daily
with insurance for years. If you're gonna get f&*^ked, you're gonna get f%^&ked. Nothing a little tiny organization like this can do about it. The only choice is not to play the game. In medicine we have a $30k/ year employee, whose job is little more than trying to collect legitimate fees billed to insurance. With that, we still lose 10's of thousands a year to those dragons. We call it the cost of doing business. You can't even write it off as a tax loss. It's just time/ employee salaries/ supplies out the window.