Why is Delta Dental Plan of California such a bad site?

Other than ugly, badly executed (check out those poorly crushed images) and cluttered, it is nearly impossible to find basic information like copayments or yearly fees. Hasn't the web been around long enough that huge million dollar organizations should have no excuse for bad websites? Aren't there enough books, enough talented consultancies, enough articles online that any professional site should have at least a baseline of usability?

I was reading through the Design Interact: Ofoto Case Study, and thought, it's a good looking google. Will there be a new trend in minimalist homepages? Obviously it only works if your business model is simple, but it's a nice change from the "link to everything" portal-copycats.