WizardOfLoneliness

idk what sort of individual state-by-state legal obligation these companies are supposed to have for whatever information I'm just saying if they can actually be compelled to give this information it's not really depending on them being honest, but rather the state enforcing those obligations and the company making a profit based decision to give you coverage versus facing regulatory penalty

i'm not saying OP's process works or it's easy I'm just saying that at no point even if it does work is the company being honest it's all just profit and whether there is actual penalty to be faced from the state for doing things like making you wait 8 hours for no answer to a question they're obligated to answer (doubt)

no it hinges on the insurance companies being legally compelled to provide certain information in certain states and it relies on their being more interested in not giving you proof to give to regulators that they're breaking the law than they are in denying you coverage

at no point does honesty really factor in unless they like, idk, just forge documents to provide when they're compelled to provide any sort of information to begin with