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)