Yes - you are right. They do hide these illegitimate expenses and they are the main reason WLP customer's are treated so shabbily with these astronomical rate increases in hard times...
Here are some links for people to study about the separate secret book-keeping WLP engages in.
"Providers indicate that around 15-30% of their costs are insurance claims related. Insurers costs include not only profit, but exorbitant executive salaries, advertising, something called, uh . . .governmental affairs (loosely translates as "bribes"), etc. all of which would fall away under single payer."
""In the past year, they have endorsed single-payer as a legitimate, if not preferable option. I estimate that my overhead would drop 15 percent immediately with single-payer. Doctors and hospitals commit substantial overhead costs to keep up with multiple carriers and their denials and varying benefit packages. It seems hospitals employ more billing clerks than registered nurses. On the insurance side, Medicare spends three percent on administrative overhead while private insurers spend from 15-27 percent additionally on marketing, shareholder profits, and salaries and bonuses that can individually exceed $10 million a year for each of their executives. It is estimated that over $350 billion would be saved by moving from our current system to an improved Medicare-for-all system." That's 15% out of the Dr. bill and 15% out of the insurance cost. "